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

I am writing to express my concern regarding inaccuracies on my credit report. On XX/XX/2024, I reached out to you to dispute these inaccuracies. Despite my efforts, I have not received any acknowledgment or response to my request. 

XXXX days after my initial contact, I called to follow up on the status of my dispute. Unfortunately, my call did not yield any results, and it seemed as if my initial request had not been acknowledged. 

As of today, it has been more than 107 days since my initial contact, and the inaccuracies on my credit report remain unresolved. This delay is causing significant distress and potential harm to my financial standing. 

I kindly request your immediate attention to this matter. Please acknowledge my dispute and provide an update on the status of the investigation into the inaccuracies on my credit report. 

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

This is a dispute from XXXX XXXX against Barclay's for Barclay's refusal to assist in the fraudulent purchases on Ms. XXXX account and Barclay's non-response to Ms. XXXX  request for documentation on the account.Ms. XXXX  has no record of opening an account or being in possession of this account before charges were made by claimed authorized user, XXXX XXXX. She did not make payments towards the account or hold any documents towards the account. Once notified of the accounts existence, she promptly filed a police report and a fraud dispute with Barclay's. This dispute was denied. Ms. XXXX sent a request for documentation on the account on XX/XX/18 requesting any documentation that would show that she was notified of the account, including billing statements, payment records, how the account was opened, etc. It has been over 30 days, and Barclay's has not responded to this request. Creditor's failure to respond to a consumer's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Payday loan, title loan, personal loan, or advance loan

My loan that I obtained years ago to finance a roof on my house was just transferred to a new " servicer ''. I received a letter stating that none of the terms of my loan would change and that my auto payments would continue. I then received emails and text messages that my payment was late, which has been auto-paid every month since the beginning ( XXXX ). I attempted several times to contact customer service with no success. I sent multiple emails with no response and spent hours on the phone on hold waiting for someone to answer. Today, I finally reached a person who had to send me a special email for me to log into my account, which also did not work. When I asked why my auto pay did not renew, she did not know why but said I could set up a debit card or auto pay with a bank account for now fee. I asked if there was a fee for a credit card payment ( as this is how I have paid for quite some time to earn points/cash back on my card ) and I was told that they DO NOT ACCEPT CREDIT CARDS. How can they just change the terms of the loan like this and no longer accept a form of payment that I have been using for years with no notification or options?
Product: Credit reporting or other personal consumer reports

Final Legal Action Required Immediate Attention Needed for Compliance with Federal Laws This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX The payments are automatic and current, as per my credit card statement. The company XXXX XXXX XXXX has reported that I have not made any payments toward the account in question resulting in a negative effect on my credit report. 

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 a reasonable cause to believe that the information is inaccurate.
Product: Credit card

Synchrony Bank closed my Walmart Credit Card based on information over 3 months old and has in the past taken action on old information causing serious harm to my credit score. Every time I had any available balance they would immediately lower my credit limit so there was nothing available again. Every reason they quoted for closure has revolved less than 10 days after the date of the info they used and was updated on the credit report claim to have used, they chose to use old info to validate their decision instead of the current info, when I called & contested the decision they told me there was nothing they would do, They also are the bank on my Old Navy card & have taken similar actions in the past, lowering my credit limit so there was nothing available regardless of actual history on that card. They lowered it over {$500.00} in one month alone and continued taking similar actions.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, the listed accounts should not be furnished on my consumer report as they are in violation of 15 US code 1681-B in general subject to subsection C, which states ; Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, by the written instruction of the consumer to whom it relates. These listed companies never received my written instructions to report anything on my consumer report which now violates my rights as a federally protected consumer. Lastly, 15 USC 1681-4 also states reporting agencies have assumed A vital role in assembling and reevaluating consumer credit and other information on consumers. Therefore, there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality, and respect for consumers ' rights to privacy. I'm demanding the removal of these listed accounts. 
ADDITIONAL UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

This company failed to respond to my request to validate this debt. They have reported this account to all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations Name is not correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never lived at following addresses : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a dispute with Experian and a credit card I never opened by XXXX XXXX on XX/XX/2022. The account shows closed on XX/XX/2022 after I called XXXX XXXX disputing the account, but never should have been opened in the first place. 

I have multiple disputes with XXXX. There is an address and phone number that is not mine requested on XX/XX/2022. In addition there was a hard inquiry by XXXX XXXX XXXX XX/XX/2022 with the same address and phone number that does not belong to me. I called XXXX XXXX XXXX XXXX fraud, but this is still on my XXXX account XXXX Also the same XXXX XXXX account opening and hard inquiry on XX/XX/2022 and account closing on XX/XX/2022. 

I would like these cleared up and removed from my credit reports.
Product: Money transfer, virtual currency, or money service

I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business online freelancing since XX/XX/2021. My paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless. 

For Identity verification, I attached my Valid ID. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I mailed a letter requesting verification of inaccurate accounts listed on my credit report. I never received a response so on XX/XX/2020 I sent another letter. still no response. It has been 3 months now.
Product: Credit card or prepaid card

An American Express customer service representative has been calling a family member, to ask for my personal information like social security number, DOB, adress, for a credit card debt i have, this department calls daily, at all hours, weekend to my cousing to his home wich i have live before, my cousin informs me. My cousin told him that he could not give me that information because it is personal and he was not authorized to give this information and he dont have anyway. He does not know this information to give, the person insisted that give it to him because it is a debt with american express.

I had talked to them before and told them that if I could fill out the form fo the card insurance because to pay off the deb, I lost my job almost two years ago and Iam not working, they refused to give me that benefit.

I would like for this to be investigated, and give me the benefit that I have for the insurance of the card that come with it, my account should be completely paid by them, according to the law, also for the harassment to my person and my family, as well for denying me the insurance benefits of the card.

I hope you dep can help me with this abuse of power and influence that American express has.
Product: Consumer Loan

My car was missing on Saturday ( XXXX/XXXX/2015 ), therefore call Bank of America 's Loan department for explanation and I spoke to XXXX. I gave her the account number and she told me that it was not on the repossess list to call the police. I explained to her it should n't be however I want her to double check because I want to avoid filing a false police report. She placed me on hold while she spoke to a supervisor. She explained to me my car was repossessed in error. She told me only cars that are 90days passed due are repossessed. The way she explained was similar to my understanding. She gave me a number to call on Monday since the repossession department was closed on the weekend. She assured me I would not have any issues picking my car up on Monday. I called the number XXXX ( Repo Dept. ) and they were rude and dismissive. So I called the auto loan department for help three times and they transferred me back to XXXX against my wishes. I spoke to XXXX, XXXX and XXXX at the repo dept. and they both denied I even called on Saturday. However I am aware that a large bank such as Bank of America likely keeps call copy and a record of customer calls. They continued to insist I pay the repo fee of {$400.00} and additional fees that added up to {$750.00}, which is unfair because XXXX on Saturday and per the term of the loan agreement my car was repossessed in error. My card should be released to me immediately.
Product: Checking or savings account

Since XXXX, Ive notice that my account didn't reflect the amount that was being deposited, I've called in so many times to be told the same thing like they are reading just what is in front of them. The online banking have made several errors in calculating mt transaction, I've been told by a bank manager before in the XXXX XXXX  that I had too many transaction, I ve told her what does that have to do with anything thats a bank service, I don't understand. I have been dealing with this problem from Citi Bank for a very long time an I would like them to request a Audit from 2019 till now, I feel that you will fine this bank owes me some money cause I feel they have been ripping me off maybe before that date, but its time to get to the bottom of this situation. Please help cause I've tried on my own an having gotten anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit repair email complaint In accordance to the fair credit reporting act, TransUnion and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by reporting the accounts listed below : DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX  XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against ChexSystems for reporting inaccurate and false information to the credit bureaus, which has resulted in my inability to open a bank account. Despite my efforts to dispute this information, it remains on my record, causing financial hardship. I request that the Consumer Financial Protection Bureau investigate this matter and ensure that ChexSystems corrects or removes the inaccurate information in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

On XX/XX/21 I spoke to XXXX XXXX XXXX XXXX and XXXX to close my paypal account and they did not close the account. XXXX stated i did not verify my identity. 
I want my account closed {$25.00} for my time and trouble The {$32000.00} refund sent to my bank, cryptocurrencies sold and proceeds mailed to me by check. I can not and will not do business with paypal as they repeatedly have failed to cooperate in good faith. If they try to cheat me on the cryptocurrency sale or proceeds i will coplain to the federal government.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX, XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1900.00} XXXX XXXX Balance {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to charge for a premium membership without my approval. I have cancelled the membership several times now but it keeps enrolling. I emailed Experian on XX/XX/22 regarding this, requesting a refund of the membership fee plus the overdraft fee incurred due to the membership charge. The customer service rep never got back to me or attempted to remedy the issue. Email chain attached. 
I called in today XX/XX/22, when I noticed the charge again. There was a language barrier which made the conversation frustrating to start off, then the rep interrupted and kept repeating the same script, that they can not refund. Once a supervisor got involved they agreed to refund the 2 months of unapproved charges. When I asked about the overdraft fee the rep became even more rude and refused.
Product: Credit reporting or other personal consumer reports

USAA incorrectly reported a late payment to the credit bureau for myself and my wife on XX/XX/year>. 

They said it was an error but have not updated with the credit bureaus and it still reflects that I missed a payment.
Product: Debt collection

The collection account innovative recovery is still on my credit report despite it being paid and removed by the company the account is still appearing on my credit.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  Account Number XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS.

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT 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 ANY PURPOSE.
Product: Credit reporting or other personal consumer reports

Noticed negative accounts was reported in my credit report XXXX - XX/XX/XXXX, both accounts were for apartments in the XXXX XXXX area. I never resident there due to me being station aXXXX XXXX XXXX XXXX XXXX while I was on XXXX XXXX service in the XXXX XXXX until XX/XX/XXXX. Accounts was then turned into collections as of XXXX - XXXX of XXXX and are derogatory. Closed credit card with XXXX XXXX  was placed on my credit report XX/XX/XXXX, I never opened an account with XXXX XXXX and status was updated on account XX/XX/XXXX. I sent multiple dispute letters over this time period and have received no results from the credit Bureaus.
Product: Credit card

I write to you in regards to way Bank of America has purposely tried to illegally charge me the wrong interest on a large purchase that I did with my Bank of America credit card. 
I made this purchase with the intent of paying it off within a 4 month period and I did realize that would be interest that would accrue but the fact that Bank of America has tried to charge more interest than the true balances reflected, is why Bank of America continues to get fined for screwing over its customers base and makes headlines in the news everywhere. 


SEE ATTACHED
Product: Credit reporting or other personal consumer reports

Disputes were filed with both XXXX and Equifax in XX/XX/2021 to remove a fraudulent XXXX account. Neither have removed the fraudulent account despite being provided with documentation from XXXX that it was fraudulent. XXXX was supposed to assist with this but has done so. 

Dispute was successful with XXXX as it was removed from my credit report 2 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report onXX/XX/XXXX and found one incorrect item from Experian. A utility company in Texas sent a $XXXX debt to collections for a bill fromXX/XX/XXXX. I have lived and worked in Oregon since XX/XX/XXXX. I disputed the item on XX/XX/XXXX and this morning (XX/XX/XXXX) received a notification that the dispute was closed and the item would remain on my credit report. I never had the opportunity to upload documents or was even asked for my evidence. I called again to re-dispute the incorrect credit information on my lunch. I was told I could upload documents to show that I did not live in Texas. Things like a bank statement or pay stub for working in Oregon. Before I even got home (4 hours), it was closed again. I am frustrated. I should have the chance to submit my evidence. This is some sort of mistake and they aren't even evaluating my evidence or giving me the chance to submit it.Experian needs to let me submit my evidence. I am being proactive about my credit. Quit giving me the run around. What use is a dispute process if you don't accept evidence???
Product: Credit reporting, credit repair services, or other personal consumer reports

unknown, unauthorized credit inquiries
Product: Credit card

I've always ensured that payments on this account are made promptly, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.