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

Complaint to the CFPB Regarding Inaccurate Information on Credit Report [ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Your Phone Number ] [ Your Email ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Information on My Credit Report Dear CFPB Representative, I am submitting this complaint regarding inaccurate information on my credit report, which I have attempted to dispute with the credit reporting agency XXXXand the creditor, but the issue remains unresolved. 

Details of the Inaccuracy : Account Name : XXXX XXXX Dispute Attempts : I have contacted transUnion on regarding this error. However, despite providing supporting documentation, the incorrect information has not been corrected This inaccurate information is negatively affecting my credit score and financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report. Since my prior disputes have not resolved the issue, I request that the CFPB intervene to ensure this matter is properly investigated and corrected. 


Remove or correct the inaccurate information on my credit report. 


Thank you for your time and assistance in resolving this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I tried disputing these accounts with the credit reporting agencies and the creditors but did not get satisfactory results. I have no knowledge of these accounts and have requested they be removed from my credit report. Section 605B ( a ) of the FCRA requires consumer reporting agencies ( CRAs ) to block this information within four business days of receiving proof of the victim 's identity and a copy of an identity theft report. CRAs and credit furnishers are also required to help victims restore their credit history. As a victim of identity theft, I am requesting the consumer reporting agencies to block the accounts listed in both identity theft reports and remove them completely from my credit reports within 4 business days of receiving this complaint.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a notice from Discover Card that they were closing my account after only have it open for 2 years. The reason I was given was for inactivity on my card. I just paid the card off in XX/XX/XXXX, so it has only been 8 months since any activity on the card. I was retaining the credit for an emergency since they would not raise my limit due to me not using this card. I feel this is very unfair when I am being responsible with my credit usage and only using it when it's absolutely needed, especially now during this pandemic, people are constantly losing their jobs and lives because of this virus. I also work for the XXXX XXXX and have to deal with the threat of not being paid every year due to congress. I choose not to use my credit card recklessly but responsibly and I am penalized for it. This hurt me in several ways, it knocks my credit score down because they closed it, it also adds a hard inquiry on my card because they told me the only way I could get it back was to apply again. This is not fair to me when I did nothing wrong but save my credit card for something that was important. I lost my dad to Covid and had XXXX  myself it's not a time for me just spend my credit card so they make money off of my interest. I would have preferred a warning if I didn't use the card or my limit reduce if they felt that but not close my credit card. This was very disrespectful for this company to do to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I qualified for a loan forgiveness program in XXXX and my loan was forgiven and deleted from my credit report. In XXXX, I filed my taxes and they were intercepted for and outstanding student loan. This is the same loan that was supposed to be forgiven. I filed and appeal, I tried to contact the company. But I have yet to get a straight answer. There was one rep that said they started a new computer system and the old system that would have record of my loan being dismissed is now obsolete.
Product: Credit card or prepaid card

On XX/XX/2023 I cancelled a trip I had purchased through CHASE using my CHASE Sapphire credit card. The trip was 100 % refundable per the terms of CHASE. CHASE agents and supervisors have falsely stated on several occasions that I would get my money back in XXXX business days from the date of cancellation. The money has never arrived within the XXXX day time frame. The supervisor I spoke with yesterday ( XX/XX/2023 ) stated that he " had reviewed the documentation about my prior inquiries about the status of the refund '' and stated that " my ticket has never been returned '', which was " none of his fault '' and " other CHASE employees had been stating false information '', which was also " none of his fault ''. He also stated that now the refund will take a longer than anyone had ever stated before. He stated that he had no idea about where my refund was and when I would receive it, due to " lack of visibility '', therefore he bounced me off to a general customer service representative, who also did not solve my issue. CHASE has never refunded my money for a refundable trip within the time they had stated they would. 

Apparently, the agents at CHASE XXXX are not following internal guidelines or procedures during trip cancellations because the information they feed to customers are inconsistent with the outcome the customer has. The supervisors at CHASE XXXX are more focused on blaming everyone else than providing truthful and correct information and a solution. They explain the process incorrectly and set incorrect expectations. There is no transparency regarding the status of the refunds. The quality at CHASE is unfortunately no longer the same, their agents seem poorly trained and do not seem to be able to tend to the client 's needs beyond repeating some scripted sentences like " I understand your issue. Is there anything else I can do for you today? Thank you for choosing CHASE ''. Not enough. Experiences like this do not build or reinforce trust in the company. 

To those who'll listen at CHASE : Show respect to your clients rather than complete disregard to their time and needs, and do not retaliate or discriminate against your clients when they lodge a complaint. Make your internal procedures CLEAR and EASY TO FOLLOW to the agents who answer the calls. Train your agents to tell the truth and not feed incorrect information to clients. Train the supervisors to be accountable and to work with the client to find a solution that is acceptable to the client rather than pointing fingers and blaming everyone else. Currently, these employees convey a message that CHASE is a mess and is unprepared to handle simple requests such as " Cancel my trip and give my money back within the time frame you promise you will ''. The agents and supervisors need to tell the truth and not set false expectations. Right now they show absolutely no regard for the client 's time and needs. None of this is consistent with excellent customer service. This XXXX be the norm in some third-world financial culture, but I thought this would be unacceptable at CHASE in XXXX XXXX century.
Product: Credit reporting, credit repair services, or other personal consumer reports

this inquiry to my credit report was not authorized and i want this to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

These XXXX reporting agencies are reporting transactions or experiences between me and creditors making the reports but its stated in the law below consumer reports does not include transactions or experiences so I want all late payments removed from my report and and all closed accounts removed as soon as possible because they are currently giving me a hardship in my life. 




15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information XXXX be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; remove all closed accounts and any accounts that causes harm to my credit report now as on XX/XX/2023 this law below made by XXXX gives me as a consumer that right and protection from these consumer reporting agencies 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( XXXX ) In general A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

I received a letter from Lyons, Doughty & Veldhuis P.C. stating they entered a judgement against me for a XXXX account that I paid years ago. The never notified me of this ever but in the letter it starts off saying " As you are aware, a judgment was previously entered again me '' No, I am not aware because I dont owe XXXX anymore and if I did, shouldnt I have been made aware of someone trying to sue me?
Product: Debt collection

Fraudulent Billing What a nightmare dealing with this company. We were lied to about services available to our home address. When the installer arrived he was honest enough to let us know he would not install because we would NOT have service at this address. 
We called XXXX immediately to inform them of the non installations and cancelled service. Since then we have been hounded by this bill collection agency. 
I call EVERY MONTH and get the same lies and promises that this issue has been resolved and indeed we do not own any monies to XXXX. Then 30 days later, we receive a letter from XXXX that the dispute of money owed has been denied by XXXX and the collection agency has placed our account into collection AGAIN. 
This has resulted in derogatory information on my credit bureau and I am fed up beyond belief. 
Ive filed complains with the FCC with NO RESPONSE at all. 
What does it take to get this company to be held responsible for their obvious SOP of bullying, flagrantly lying to the public and causing undue distress via derogatory credit bureau information?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Date : XX/XX/year> Subject : Dispute of Reinstated Collection Account Violation of FCRA and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the recent reappearance of a collection account on my Equifax credit report. As of XX/XX/year>, a new collection entry from XXXX XXXX XXXX  has been added, claiming to collect a debt originally from XXXX XXXX XXXX XXXX  This is particularly disappointing given that I previously secured the removal of this account due to identity theft, as documented in prior correspondence. 

It is unacceptable that the account has resurfaced under a different lender after being removed. The actions taken by Equifax and the data furnisher lack professionalism and violate federal laws designed to protect consumers. The Fair Credit Reporting Act ( FCRA ) imposes strict guidelines on how credit information is reported and requires verification of debts before they can be added to a credit report. Specifically : 1. FCRA Section 605 ( a ) prohibits the reporting of any debt that has been previously disputed and found to be inaccurate or unverifiable. I have provided sufficient evidence that this account was removed due to identity theft.

2. FCRA Section 609 ( a ) ( 1 ) ( A ) requires furnishers of information to provide complete and accurate information to credit reporting agencies. Your failure to do so by allowing this
account to be reported again constitutes a breach of these regulations.

3. FCRA Section 611 ( a ) ( 1 ) mandates that consumers have the right to dispute the accuracy of information on their credit report. I have already initiated this process, and any subsequent reporting of this account is a direct violation of my rights.

This recent entry has already resulted in a 39-point drop in my credit score, significantly impacting my ability to obtain credit and affecting my financial stability. I am requesting the following actions : 1. Immediate Deletion of the Account : Remove the collection account from DEBT RECOVERY SOLUTIONS related to THE BANK OF MISSOURI from my credit report without delay.

2. Written Confirmation : Provide me with written confirmation that the account has been deleted.

3. Compensation for Damages : Due to the unauthorized reporting of this account and the distress it has caused, I am seeking compensation for the damage to my credit and the undue hardship it has imposed on my ability to provide for my family.

If these requests are not addressed promptly, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for violations of the FCRA, which may include seeking damages for the impact on my creditworthiness and financial situation. 

Thank you for your immediate attention to this matter. I expect a prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

The issue is with one simple transaction that I sought to dispute with an unresponsive online business who has repeatedly failed to process transactions as instructed and instead used ACH to process. In this case it was a small transaction. 

I complained through ALLY. Ally then called to verify my complaint. After some discussion they explained the policy of ALLY to shut down all ACH transactions. This was not agreeable to me. As a consumer, this process may be or become punitive in nature. 

The ALLY procedure, as it was explained, permanently shuts down ACH on ALL transactions. This would cause great damage to my reputation, financial ability, and credit score. 

I asked to not have the complaint and asked it be rescinded or reversed - I was told this is not possible. Again, damaging. 

This issue was with XXXX transaction with XXXX merchant. It is damaging to consumers to have such a policy. There is no ability to turn off disputed ACH items on ALLY.com - again potentially damaging. 

I want this repaired. If not I will bring my complaints to federal authorities. Its not that I want to spend time on this simple issue, it is that now ALLY has caused me great trouble and cost over a simple matter and potential damage to my finances. Consumers rely upon these transactions and it is improper to have a policy to resolve a simple matter that causes damage to consumers in the process.Consumers should have the ability to turn a specific complaint on or off on a specific transaction or specific business, or if they so choose on an entire account. Merely having a company wide policy to shut en entire account holders ability to avail themselves of ACH forever on their account is not only anti consumer but rises to punitive levels because this policy makes consumers unlikely to use complaints to protect themselves after they have suffered the effects of a complaint and its resultant costs ( fees, interest, credit score damage, reputation, etc.. ). 

I want ALLY Bank and XXXX XXXX XXXX, XXXX of ALLY Bank to repair this issue within XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number XXXX Account Number XXXX JXXXX XXXX {$100000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$10000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
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 rights to privacy and confidentiality under 15 USC 1681. 

Name of Account : XXXX XXXX XXXX Account Num : XXXX has violated my rights. 

Name of account : XXXX XXXX XXXX XXXX Account Num : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is being reported on my Experian Credit Report that should not be. The account is as follows : XXXX XXXX Account # XXXX Sold To : XXXX XXXX XXXX. This account does not belong to me. XXXX XXXXXXXX XXXX XXXX filed a Civil Suit against me regarding this account. I did not know the source of their information on this account and due to this the case was dismissed in my favor in the XXXX XXXX XXXX XXXX XXXX XXXX of Georgia on XX/XX/XXXX. I mailed out 4 letters to Experian on the following dates ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting for the removal of this account with copies of the Court Dismissal. Each time Experian sent a letter back to me stating " that the company that reported the information has certified to Experian that the information is accurate ''. In my last 2 letters to Experian ( XX/XX/XXXX, XX/XX/XXXX ) I requested they provide me with the actual proof the information was verified, not a computer generated confirmation in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D. I also mailed a letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX requesting they remove this account from my Credit Report and received no response. I would like this account removed from my Experian Credit Report as it is highly injurious to my credit rating.
Product: Debt collection

PayPal continues to call me and I do not owe them any thing!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 I looked at my EQUIFAX credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to 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 relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Personal Loans from XXXX XXXX were recently paid off. The team @ XXXX XXXX indicated that they've provided updates to the ( 3 ) credit reporting agencies about the paid-off & closed account status ' however Experian for example, has informed me that the status of my XXXX XXXX accounts will remain unchanged showing at least one account as open with a current balance as per the request from XXXX XXXX. 

Please see the attached email XXXX XXXX indicating that the accounts were paid in full and closed. I provided this information to the ( 3 ) credit reporting agencies.

The delay in updating my credit report showing a {$0.00} balance and closed account status is delaying my ability to complete the refinance of my mortgages since my credit report has incorrect information about the total amount of debt I currently have with the opened accounts.

Account # : Loan 1 ending in # XXXX Loan 2 ending in # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to remove and delete XXXX XXXX bank from my credit report, please reinvestigate multiple inaccuracies payment was never late payments and I am a victim of Identity theft. I have a fraud alert on my credit report please provide me with who investigate this issue and what methods they used
Product: Mortgage

XXXX I have been diligently negotiating a Note Modification with Nationstar Mortgage. Since the inception of this negotiation Nationstar has been adding erroneous amounts to the impound account. Briefly {$550.00} per month will cover all the impounded expenses. Nationstar has been accessing {$870.00} to impound expenses ( see attached letter with back up to Nationstar ) Since XXXX/XXXX/2013 Nationstar has been applying these extra amounts to principle. I pay the insurance. There are no XXXX fees. The only item impounded is the Property Tax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my federally protected rights under the Fair Credit Reporting Act ( FCRA ) I sent TransUnion a letter received XXXX XXXX and they failed to respond. XXXX of XXXX Transunion reported inaccurate information on my consumer report when I contacted Transunion in XX/XX/2021 I told them the car from XXXX XXXX XXXX was not mine they said they had to investigate, they came back 3 months in a roll XXXX to XXXX saying its accurate after telling them multiple times the car not mine. I finally was able to get the situation fixed with the XXXX XXXX in order to get it removed. I was told I can not get a car due to me having two when in fact I only had one, due to the lack of TransUnion inaccuracy and failure to properly investigate pursuant to 15 USC 1681, cause me severe stress and humiliation.
Product: Credit reporting or other personal consumer reports

I sent certified letter to company who violated my right to privacy also I dont consent this company to publish the accounts listed in letter attached that was sent out XX/XX/year>