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

Subject : Refusal to Investigate Illegal Late Payments in Consumer Report Company : Equifax Issue : Incorrect Information on my credit report - Equifax refuses to investigate Description of the issue : I am writing to file a formal complaint against Equifax for refusing to investigate and correct inaccurate information on my consumer credit report. Specifically, there are illegal late payments listed that I have disputed multiple times. I followed the appropriate dispute process by providing documentation and a detailed explanation to support my claim that these late payments are inaccurate and should not appear on my credit report. 

Despite my repeated efforts, Equifax has refused to conduct a proper investigation or correct the errors, which is a violation of the Fair Credit Reporting Act ( FCRA ). This incorrect information is negatively impacting my credit score, and I am seeking resolution to this matter. 

Actions taken : I initially submitted a dispute on XX/XX/year>, providing all relevant documentation to support my claim that the reported late payments are inaccurate. I sent a letter to Equifax that was notarized and certified. 

On XX/XX/year>, I received either a letter from Equifax that the documentation which was my social security card and my drivers license are illegal and they sent a refusal to investigate the matter. 

Equifax has failed to meet its legal obligation to investigate the dispute, as outlined in the FCRA. 

**Desired resolution : ** I am requesting that the CFPB intervene to ensure that Equifax complies with its obligation to investigate the dispute and remove the inaccurate information from my credit report. I also request that Equifax provide a formal explanation of the steps taken to resolve this issue. 

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

My concerns stem from accounts that have inconsistencies with reporting across the other 2 bureaus and with my records. I requested that XXXX XXXX performs mandatory thorough investigation under FCRAct laws. This account is reporting inaccurately and is reporting illegally. 
1. I requested the account to be investigated to see that this account is no longer reporting in XXXX. Therefore it should be removed from my credit report. 
2. Inconsistency continues to report when it comes to Dates, Payment History, number of late payments, and Months claiming that I have missed my payment. 3. The balance reported is incorrect and inconsistent. The account has not been active since. 

If this account is not reporting 100 % accurate, I request deletion immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I entered a hardship program paying {$70.00} per month at 10 % apr I have never missed a payment!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate XXXX information that is currently listed on my credit report. The XXXXXXXX XXXX number XXXX, dated XX/XX/2022, is incorrectly associated with my credit file. Upon further investigation, I have found that this XXXX XXXX pertains to an individual with a name similar to mine, but it does not reflect any financial proceedings related to me. 

In accordance with the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and complete information on consumer reports. Under Section 611 of the FCRA, I have the right to dispute any information that I believe is inaccurate, incomplete, or unverifiable. I am exercising this right to request that you immediately investigate this matter and remove the incorrect XXXX information from my credit report. 

Attached to this letter, you will find supporting documentation, including proof of my identity and any relevant details to assist in your investigation. I kindly request that you notify me in writing of the results of your investigation, as required by law, and provide me with an updated copy of my credit report once the inaccurate information has been corrected. 

I appreciate your prompt attention to this matter and expect the error to be corrected within the 30-day timeframe stipulated by the FCRA. If you require any additional information from me to complete your investigation, please do not hesitate to contact me.
Product: Prepaid card

I am currently unable to check the remaining balance of an American Express gift card that I received as a gift. Multiple attempts over several days to check the balance on XXXX  : //XXXX.amexgiftcardXXXX XXXXave consistently resulted in the website error message " The system has experienced an unknown error. Please wait a few minutes and try to log in again. '' Multiple calls to the phone number listed on the back of my gift card, XXXX have also failed, with the repeated message " Your call could not be completed as dialed. Please check the number and check again '' after which the system disconnects you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report :
Product: Debt collection

A COLLECTION WAS PUT ON MY CREDIT REPORT : 1. I NEVER RECEIVED ANY NOTIFICATION VIA PHONE OR MAIL THAT THE DEBT WAS DUE OR VALID. I STILL HAVE NO INFORMATION WHAT IT IS FOR OR WHEN SERVICES WERE RENDERED. 
2.THIS ERRONEOUS COLLECTION ITEM CAUSED MY REFINANCE RATE TO INCREASE WHICH I NO LONGER COULD CLOSE. 
HERE IS THE INFO THAT IS REPORTING OAC # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , WI XXXX Loan Type : COLLECTION AGENCY/ATTORNEY Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Original Creditor : XXXX ( Medical/Health Care ) Balance : {$190.00} Date Updated : XXXX/XXXX/XXXX Last Payment Made : XXXX/XXXX/XXXX Original Amount : {$190.00} Past Due : & gt ; {$190.00} & lt ; P
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Personal Information and Request for Immediate Investigation To Whom It May Concern, I am writing to dispute the inaccurate and incomplete reporting of my personal information on my credit file. The following issues are unverified, inconsistent, and in violation of FCRA regulations. I request that these discrepancies be immediately investigated and corrected to ensure full compliance with Metro 2 data field standards. 

Personal Identifier Discrepancies : 1. Other Names : I do not have any other names or aliases. If any are being reported, I request their immediate deletion.

2. Addresses : I do not have any other current or previous addresses. Please remove any such entries from my report.

3. Social Security Number ( SSN ) : I have one SSN, and only the last four digits should be retained. Any other SSNs are inaccurate and should be removed immediately.

4. Date of Birth : I do not have any other date of birth information. Please delete any discrepancies.

5. Telephone Numbers : No telephone numbers other than those provided should be retained. Please remove any additional numbers.

6. Employers/Spouses : I do not have any spouses, roommates, or co-applicants to be reported. Please ensure no such information is included. 

Disputed Accounts : 1. XXXX XXXX ( XXXX ) XXXX : The following discrepancies are reported and need to be corrected immediately : Creditor Remarks : There are conflicting entries across the three bureaus regarding the accounts status. These inconsistencies must be resolved to comply with FCRA and Metro 2 standards. 
Account Cycle Identifier : Missing or incorrectly reported across all bureaus. 
Account High Balance/Original Balance : Discrepancies between XXXX, TransUnion, and XXXX. XXXX and TransUnion report {$340.00}, while XXXX reports {$200.00}. These discrepancies must be addressed. 
Creditor Type : Variations in how this is reported ( e.g., Miscellaneous Banks for TransUnion, XXXXXXXX XXXX XXXX XXXXXXXX for XXXX ) violate compliance standards. 
Account XXXX : The account is marked as paid, but conflicting reporting needs to be rectified. 

Request for Immediate Action : Under FCRA and Metro 2 reporting standards, I request the following : 1. Immediate removal of any unverified or inconsistent personal identifiers from my report. 
2. Investigation of the discrepancies in the account reporting for XXXX XXXX, and their immediate correction or removal from my credit file. 
3. Proof of compliance with Metro 2 and other relevant reporting standards for all reported data. 

If these actions are not taken promptly, I will seek legal remedies for non-compliance under consumer protection laws. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

XX/XX/year> Bank of America drained my checking and savings accounts to pay off a writ that was sent to them. They removed all monies from my account to satisfy the writ even though it was MORE than the writ requested. This left me with nothing to pay for food for my children, my rent, etc. The bank advised me my accounts were frozen until the issue with the writ was resolved. I resolved the issue with the writ and Bank of America was supposed to release my accounts. An agreement was made with the debt collector and BoA was supposed to release. Instead they have decided they will not release any monies until a judge signs off which could take up to a week. MEANWHILE my account is NOT frozen and I am incurring overdraft fees, I can't pay for rent, I can't pay for food. BoA says there's nothing they can do.
Product: Credit card or prepaid card

Home Depot credit / Citibank has a very serious systemic issue with their store brand credit cards. When you place an order on their website ( homedepot.com ) for multiple items on their web site, they often break those items into separate charges. For example my total order is {$600.00}. There is a {$200.00} item, a {$300.00} item, and a {$100.00} item. These charges often appear as separate items on the statement. This credit card is automatically supposed to provide 6 months interest free on purchases of {$290.00} or more. However, when they beak the charges up behind the scenes they do not apply the promo pricing to the two that are under {$290.00} even though the only thing I saw as a customer was my {$600.00} total. I did not instruct or know home depot would break those charges up. This has been happening for years and just happened to me again today. They need to fix this else customers have to call. It's not correct. My order number for this scenario is XXXX. They broke it up into three sep charges and did not offer me promo pricing even though the order total was over {$500.00}.

The screen shot i attached show the three transactions even though i only placed one order.
Product: Credit card

Dear CFPB, I am absolutely furious to write this complaint against the disgraceful behavior of Wells Fargo in handling a dispute that has dragged on for over 90 days without any resolution, even after the merchant reversed the transaction and callously refused to refund the consumer. Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Amount of Transaction : XXXX Card Number : XXXX My evidence unequivocally proves that Wells Fargo received the reversal from the merchant, yet they have shamelessly withheld the refund from the consumer within the 90-day period. This strongly suggests that either the bank is shockingly inefficient or, worse yet, is deliberately involved in a corrupt scheme to defraud its customers. I am lodging this complaint with the fervent hope that the authorities will take swift and severe action to hold Wells Fargo accountable for their corrupt actions. Yours infuriated, XXXX XXXX  Subject : Re-Complaint Against Wells Fargo Bank for Gross Mishandling of My Dispute Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to lodge a renewed complaint against Wells Fargo Bank due to their utterly unacceptable handling of a dispute that has endured for over 90 days without any resolution, despite the merchant reversing the transaction and callously refusing to refund the consumer. The details of this ongoing dispute are as follows : Dispute Number : XXXX Date Posted : XX/XX/2023 Merchant Name : XXXX Transaction Amount : {$76.00} Card Number : XXXX My evidence undeniably demonstrates that Wells Fargo received the reversal from the merchant, yet they have shamelessly withheld the consumer 's refund for an extended 90-day period. This situation strongly suggests that either the bank is shockingly inefficient or, even more concerning, is actively engaged in a corrupt scheme to defraud its customers. 

I am submitting this complaint with the fervent hope that the relevant authorities will promptly and decisively take action to hold Wells Fargo accountable for their disgraceful actions. 

Yours infuriated, XXXX
Product: Checking or savings account

Unfortunately, I had a negative experience during my visit to XXXX where I encountered a scam. Despite prepaying for a lounge ( see attachment below for receipt ), upon arrival, I was asked to provide my ID and debit card, which I had already used for prepayment. Assured that my card wouldnt be charged again, I complied. However, to my dismay, I discovered later that my card was indeed charged again without my consent. Despite numerous attempts to address the issue with the manager, I was informed that it was merely a pre-authorization, not a charge, and that I would receive a refund. Regrettably, after waiting for five days and facing unresponsiveness from the establishment, I contacted my bank for assistance, but unfortunately, they were unable to help me recover the unauthorized charges.
Product: Credit reporting or other personal consumer reports

I requested for XXXX, Equifax and XXXX to update my personal information, as of this date they have failed to do so.
Product: Mortgage

My mortgage company has been late paying my real estate taxes incurring late fees of {$230.00}. They have deducted XXXX tax payments from my account totaling {$2700.00} that have not been received by my town over the last 4 months which I consider missing. Furthermore they have removed over withdrawn my account in negligence for {$770.00} above what was due by deducting an extra payment which is XXXX of the XXXX missing payments. 

A full explanation can be found in the supporting documents. I have spent nearly 3 hours on the phone with the company trying to resolve this matter to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SC XXXX
Product: Mortgage

My mortgage was transferred to Planet Home Lending. Despite having a non escrow account Planet Home Lending attempted to pay my property taxes to XXXX XXXX County. These taxes were not late and I had already paid them so the money was sent back to Planet Home Lending. I was able to have the county give me a check number and the date that their payment was cashed, which was XX/XX/21. 

I called Planet Home Lending on XX/XX/21 and relayed this information to them and they told me that they couldn't find the repayment in their system. They said that the would need to investigate the issue and that it would take 45 business days giving it an estimated resolution date of XX/XX/21. This seems like a shockingly long amount of time to resolve the issue given that this was a mistake on their part and that I have given them the information they need to resolve the issue. The amount of {$4900.00} is significant and is holding up my ability to get other financing. I have also submitted a written request for help on the Planet Home Lending website and have not received a response.
Product: Credit card

I took a flight from XXXX, HI to XXXX, CA and picked up a credit card offer that was advertised by the flight attendants. The flight attendants announced that if you get the credit card offer with the promo code, you will earn XXXX miles with any purchase. 
The flight attendant said it could be as small as {$1.00}. This was announced to the entire plane multiple times. I took the paper application with the promo code. There was no URL on the ad so I didn't know where to apply. I XXXX it and applied for the card on the Barclay 's website, but there was no space for the promo code. I did not realize on the website that as I clicked through my entire application was submitted. I thought there would be more steps and the promo code box might show at the end, but it never appeared. 

I contacted Barclays and they are telling me there is nothing they can do and that I have to spend {$2000.00} to get the XXXX miles. I even emailed them my promo code to apply to my account. I then called and they said the promotion changes every day, and that if I reapply I may get less miles and a different offer. 

Since this did not work out right, I did more online searching to see if I could find more information on the offer. I then found this website that described the offer and it has been available since XX/XX/2024, so the offer has not been changing everyday. 
XXXX XXXX XXXX This website then has a link to apply to the website where there is a box for the promo code. XXXX XXXX XXXX I applied again here with the promo code, but it said my application has already been submitted ( through the Barclays website ) XXXX 

It should not matter where I applied ( they made it difficult to find ). Barclays manages the XXXX XXXX card. If they are offering this promotion, they need to honor it. Otherwise, this is false advertising and deceptive. Maybe it's something I can take up further with XXXX XXXX, but this has been frustrating and I feel misled.
Product: Debt collection

I moved out of my unit inXX/XX/XXXXXX/XX/XXXX when a friend joined the lease and took over the unit. I paid the wifi bill to XXXX for XX/XX/XXXX and XX/XX/XXXX even after I moved out and my friend assured me that he changed the bill over into his name. I preceded to leave the country and the following year when I came back through town I discovered that he didn't change the bill into his name until XX/XX/XXXX therefore leaving unpaid bills in my name for XX/XX/XXXX and XX/XX/XXXX totaling {$110.00}. As a conservationist  I always request paperless statements from companies to lower my carbon footprint. Had XXXX honored my requests, I would have received an email stating that I unpaid bills and notifying me that the bill was in fact not changed over into the new tenants name. I was denied a car loan today because of this small {$110.00} bill that I have no problem paying but I do not want a bill that isn't mine to stay on my credit report for 7 years and affect my score and capacity to buy a car. The collection agency is called ICS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST BECAME AWARE OF A LIEN REPORTED IN MY CONSUMER CREDIT REPORTING AGENCIES. I HAVE NO KNOWLEDGE AND NEVER CONSENT OR HAVE ANY CONTRACT FROM SUCH REPORTED LIEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I sent letters to XXXX, XXXX, Experian and XXXX XXXX  asking for proper verification of a two bankruptcies that on my credit reports. None these companies were unable to provide direct verification from the bankruptcy court of XXXX Ohio. I have a letter from the bankruptcy court stating they don't provide information directly to credit reporting agencies. In fact XXXX  states on it dispute reports that they use XXXX which is a third party to verify this information. Outside of getting dispute results reports back none of these companies have sent me how exactly they are verifying this information that is on my credit report. I have asked several times and they are unable or unwilling to provide additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect address. My address is not XXXX XXXX XXXX XXXX, XXXX  XXXX or XXXX XXXX XXXX, NY XXXX. My address is XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. account name : # XXXX XXXX XXXX, XXXX Account number XXXX account name : # XXXX XXXX Account number # XXXX XXXX 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 15 U.S.C 1681 section 602 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 item of information Any other adverse item of information other than record of convictions of crimes which antedates the report by more than seven years. 15 USC 1681c 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: Checking or savings account

I was unaware my information may have been compromised until i received a Chase debit card Chase Freedom Unlimited visa card in the mail. i called Chase they closed the checking account also called Freedom they cancelled the credit card they are looking into any suspicious activity on their end. the SS listed in my credit report from XXXX generated on XX/XX/23 was inaccurate. i placed a freeze on my credit report with all 3 credit reporting agencies on XX/XX/23.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the account listed below and to request its immediate removal from my credit reports. The account in question is with XXXX XXXX ( XXXX ) and is being reported by the three major credit bureaus as follows : Account Number : XXXX Credit Reporting Agencies : XXXX XXXX Experian, XXXX XXXX for Dispute Upon reviewing my credit report, I identified several errors and violations of the Fair Credit Reporting Act ( FCRA ) that substantiate my request for removal : Inconsistent Reporting : The " High Credit '' amount is reported inconsistently across the bureaus, with XXXX showing {$1400.00}, Experian showing {$0.00}, and XXXX showing {$1000.00}. This inconsistency violates 15 U.S.C. 1681e ( b ), which requires maximum accuracy in reporting.

Missing Information : The " Account Type - Detail '' for XXXX is missing, indicating a lack of thoroughness in reporting. All bureaus must provide complete and accurate information. 
Incorrect Account Status : The account is reported as " Collection/Chargeoff '' with a balance of {$1400.00}, but if this account has been settled or closed, this indicates an inaccurate reporting that violates 15 U.S.C. 1681s-2 ( a ) ( 2 ).

Discrepancies in Payment Information : The " Date of Last Payment '' is inconsistently reported across the bureaus, with some entries missing. This lack of uniformity violates the FCRA 's requirements for accurate information.

Potentially Misleading Comments : Comments like " Charged off as bad debt '' and " Canceled by credit grantor '' are misleading without context and may violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits misleading information.