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

Experian credit company constantly did not remove or investigate incorrect information on my credit report after I disputed them several times.
Product: Credit reporting or other personal consumer reports

As, I pulled my Experian Report I've notice it's showing violations. Please see the list of accounts below. 

Account Info Account Name XXXX XXXX XXXX Account Number XXXX Amount {$5300.00} Account Name XXXX XXXX, XXXX Account Number XXXX Amount {$640.00} Account Name XXXX XXXX XXXX Account Number XXXX Amount {$18000.00} Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Amount {$240.00} Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Amount {$3700.00} Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Amount {$3700.00} Account Name XXXX XXXX  XXXX XXXX Account Number XXXX Amount {$5300.00} Account Name XXXX XXXX  Account Number XXXX Amount {$470.00} Account Name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$2100.00} Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX {$1100.00} Account Number XXXX Account Type Charge Card Amount PAID Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that rustled from an alleged theft, no later than 4 business days after the date of receipt.

Under 15 U.S. Code $ 1681e ( b ) and 15 U.S. Code $ 1681i ( 5 ) these account in violation are not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states the to privacy.

Pursuant to 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to will comply will forfeit your claims and will require you to delete all this list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this.
Product: Credit reporting or other personal consumer reports

I received a late payment & not sure why. I made XXXX recent payment on XXXX XXXX XXXX. I never was notified by Wells Fargo either on a missed payment. Im asking this late payment to be taken off of my credit report.
Product: Payday loan, title loan, or personal loan

My name is XXXX XXXX, In XXXX I refinance my home mortgage. I also did a cash out where I sent payments to several of my creditors. Ten creditors and personal loan companies. All have applied the mailed payments with the exception of two. Discover Bank and XXXX XXXX  / XXXX ( XXXX XXXX XXXX ). The XXXX XXXX XXXX XXXX I have asked that my Loan Company stop payment on the check and issue a new check and mail. However, Discover Bank Received the check payment, check # XXXX for {$5200.00}, on or before XX/XX/XXXX. According to my new mortgage company the check cleared on XX/XX/XXXX. On phone conversations with Discover Bank Loan Personal Department Manager XXXX, they admit receiving the payment. However, since XX/XX/XXXX. they have been telling me that the payment will be applied the next day. It is now XX/XX/XXXX and the payment of {$5200.00} has not been applied. With no explanation? Can you help me??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNT # XXXX 15 USC 1681 SECTION 602 Section 604 ( a ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

With reference to my previous complaint No. XXXX, and the previous referenced complaints noted in complaint No. XXXX, please be advised of the following : I was notified that my credit score would increase if Experian could verify that I pay rent and utilities. I went through there website and provided access to my XXXX XXXX account to make the verification, which Experian put a notice on my cell that they were verified! But as I also had to call Experian and got an XXXX speaking male with a dog barking in the background, I removed Experian 's access to my XXXX XXXX account and changed my password. Within hours I got the email attached and offered my response to why they were removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

My brother sent me a transaction through Zelle all information was correct money left his account and never reached my account XXXX XXXX Zelle and XXXXXXXX XXXX all pushed the responsibility to the other entity and treated me like I was XXXX  for money not received no notification money just disappeared from brothers bank acct and didnt reach my bank acct all info can be verified through bank records all contact info was correct. No refund option was offered I can not afford to lose {$1000.00} through a banking transfer error
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account number ( 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 WHITOUT MY WRITTEN INSTRUCTIONS
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history 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 to be updated. 


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. 


EQUIFAX 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXXXXXX  I disputed my XXXX XXXX  accounts for violating several fcra rights and my privacy rights. Equifax removed the the account but on XX/XX/XXXXXXXX  I received a notice that my accounts is delinquent which is false. FCRA usc 15 1681 ( e ) ( b ) has been violated by all CRAs XXXX  equifax and XXXX. Why didnt XXXX and XXXX remove this account that violated my fcra right? And how is equifax reporting a deleted account delinquent.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit bureaus. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX ASH XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ; Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX and XXXX  XXXX  XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

The company name is coinbase and they are holding my account with {$9400.00} in cash. They have deny me the option to close my account and withdraw my funds. 
They say a specialist has to look into my account. I spoke to coinbase staff over the phone and they told me it can take 5 months or more before they look into my case. my account is in good standing according to them but the only answer i get is that i have to wait for a specialist because they have a lot of work. My account was updated on XX/XX/2018 and i been waiting for a resolution since.
Product: Credit card

Someone used my bank account information to make a purchase of {$1700.00} from XXXX through affirm on XX/XX/XXXX. I have contacted XXXX and they told me to contact XXXX. XXXX doesnt want XXXX issue a refund even though I have told them many time the transaction was unauthorized. Here are the charges that have been taken out by XXXX from my account {$650.00} XX/XX/XXXX, thats when I replaced my Bank of America debit card.Then {$160.00} XX/XX/XXXX, {$160.00} XX/XX/XXXX, {$200.00} XX/XX/XXXX, and {$20000.00} on XX/XX/XXXX. I want for either Bank of America or XXXX to refund these fradulent transactions. I am having such a hard time because this is supposed to be for my expenses. I am struggling. I had to open a new bank account and a get another debit card due to this.
Product: Credit card or prepaid card

Account # XXXX XXXX XXXX XXXX I have had a credit card with XXXX XXXX XXXX for many years now. We use it to buy new tires for our vehicles, as they offer a 0 % interest rate. 

In XX/XX/2023, I paid off the balance, as the 0 % promotional interest rate was going to end on my tire purchase.. Apparently XXXX XXXX has switched credit card companies now to I believe Comenity. Even though I paid the balance of {$180.00}, they apparently charged me the entire year 's interest the day the payment cleared. They did not clear the payment til a few days after I submitted it, which was after the payment due date. We were on vacation for the XXXX XXXXXXXX XXXX holiday so I paid it online. 

I have never had a 0 % interest card add the componded interest for the entire 12 months, when the 0 % promotional period was over. When I try to call, the customer service representative is in another XXXX and does not understand what I am asking. It was also quite noisy in the background. I also found out when they switched banks handling their credit cards, my account was closed last year and I was never told. I have tried emailing their customer service and mailed a letter to their address in XXXX XXXX, SD and receive no response on waiving the now {$340.00} balance. I also reached out to the XXXX XXXX XXXX  and XXXX XXXX has not responded to their inquiry either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, ONEMAIN FINANCIAL add a hard inquiry on my credit report per XXXX and XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX and XXXX.
Product: Debt collection

Dear sir/madam, few months back I submitted a complain concerning a company know as XXXX XXXX for collecting a false debt from me. 

Until today such false debt continue to appear on my credit report despite my initial complain. ( XXXX and XXXX ) few days back I notice on my credit report that another company known as COMMONWEALTH FINANCIAL put a note on my credit report stating that I was own them, I called the company to find out what transaction I had with them because I knew I was not owing them. But the company COMMONWEALTH FINANCIAL told me that they bought some debt from XXXX XXXX that has my name on it. 

dear sir/madam I am not owing any of these companies or their affiliate and I do n't see the reason why both companies should note on my credit report that I am owning them same debt despite I know I do n't. 

this is I D theft i will be glad if your office look into this matter
Product: Credit card or prepaid card

Dear CFPB, I am writing this email to file a complaint against the Chase credit card dispute department. 

In XXXX, I initiated a dispute due to non-delivery of my merchandise from XXXX. The Chase credit card team requested me to provide an explanation via email and asked for supporting evidence. I promptly provided the required evidence as requested. 

Today, after over a month, I have not received any updates. However, in XXXX, I received a notification from the merchant stating that the transaction amount had been charged back by the bank. So, I called the Chase dispute team to inquire about the status update. 

To my surprise, their team responded that they had helped me recover {$100.00}, and {$19.00} was still outstanding. I clarified that the {$100.00} was the refund provided by the merchant for a different item return and had no relation to the disputed transaction. The customer service representative abruptly hung up the call and did not provide any further response. 

Upon reflection, I realized that something was amiss. My evidence clearly indicates a disputed amount of {$110.00}, and the transaction records support this. The {$110.00} has already been shown as charged back on the merchant 's page. 

Therefore, I suspect that this may not just be a banking error but rather a case of the bank embezzling both the {$110.00} and {$100.00} from the two separate chargebacks. I only received {$100.00}, which was the refund issued by the merchant, while the bank appears to have misappropriated the two chargebacks. 

I kindly request the CFPB to investigate the bank 's actions, ensure that I receive the rightful refund, and prevent any further embezzlement by the bank, taking advantage of both sides. 

Thank you. 

Sincerely XXXX XXXX
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to report an issue with Chex Systems, a consumer reporting agency that provides information to banks and credit unions about consumers ' banking histories. Specifically, I have found that Chex Systems is not removing accounts that are inaccurate from their reports. I have personally experienced this issue when I discovered that Chex Systems was still reporting an account that had been closed for years. Despite multiple attempts to dispute this information with Chex Systems, they have not taken any action to remove the account from my report. This is particularly concerning to me because inaccurate information on consumer reports can have serious consequences. In my case, this erroneous information could potentially impact my ability to open a new bank account or obtain credit in the future. I believe it is important for Chex Systems to be held accountable for accurately reporting consumers ' banking histories. I urge you to investigate this issue and take appropriate action to ensure that Chex Systems is removing inaccurate accounts from their reports. Thank you for your attention to this matter. Sincerely, X
Product: Debt collection

I WAS A VICTIM OF IDENTITY THEFT, JPMCB CARD, JPMCB XXXX, XXXX XXXX XXXX
Product: Credit card

For nearly a week, I have tried to pay my closed XXXX/Comenity account in full. I have tried on line payments, in store payment and payments made by phone call. I fear sending a check given the issues I have had prior. My last attempt today, XX/XX/year> resulted in a customer service connection that was disconnected on the companys end. As my payments are being disallowed, my interest accrues. I will continue to try to pay off this account but felt it was important that this agency be made aware that this practice goes on within Comenity Banking concerning card holders and customers of XXXX.
Product: Credit reporting or other personal consumer reports

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Transunion : Acct # XXXX {$1200.00} XXXX : Acct # XXXX {$1200.00} XXXX XXXX Acct # # # # # # XXXX {$1200.00} XXXX  XXXX XXXX XXXX XXXX Acct # # # # # # # XXXX {$370.00} 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 an account without my written instructions