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

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXXXXXX XXXX {$350.00} XXXX XXXX XXXX  XXXX {$79.00} XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$210.00} XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXXXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These credit accounts , collections , and hard inquiries are the results of identity theft and fraud.
Product: Checking or savings account

On XXXX XXXX. A payment was made to XXXX mortgage in the amount of XXXX from my credit karma account however the account was negative XXXX cent so the payment was NSF. the same day I try to transfer a dollar from my saving to my checking account to resolved the negative balance so that credit karma would not NSF that transaction but was told there was nothing that they could do so that would mean that I would have to get a NSF charge from my mortgage due to them not allowing XXXX to pull the money. so since i knew the money would be there tomorrow, i went ahead and schedule the payment for tomorrow. The payment was pull for tomorrow however the NSF had not been completed that morning so this gave me another NSF from my mortgage company. I try to call credit karma and let them know the situation since this was the second time and since they told me the money would have been there today even tho now i can see this was a timing issue but after speaking with a supervisor he just hang up in my face and didnt care about anything that i had to say which mean that i am not value and this mean I need to take my business somewhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a detailed letter to Experian, which included sufficient documentation to support the disputed items and requested a prompt investigation into the accuracy of the information in question. However, Experian responded on XX/XX/2023, stating that they would not be conducting an investigation into the items. 

Another letter was mailed and again on XX/XX/2023, Experian responded refusing to conduct an investigation into consumer items. 

Experian 's refusal to investigate directly violates the FCRA, which mandates that consumer reporting agencies like Experian must investigate any disputed items on a consumer 's credit report within 30 days of receiving notice of the dispute. The FCRA also requires Experian to delete any information that is found to be inaccurate or unverifiable, as well as to notify the consumer of the results of the investigation. 

Please find attached the relevant documentation, including the consumers letters, Experian 's responses. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter and takes appropriate enforcement action against Experian to ensure compliance with the FCRA and other applicable laws. 

Thank you for your prompt attention to this matter. I look forward to a timely resolution.
Product: Credit reporting or other personal consumer reports

RE : Report # XXXX To whom it may concern : I, XXXX XXXX XXXX XXXX XXXX am a natural person, and I am physically submitting this dispute. This dispute is NOT being submitted by a third party. I am writing to dispute several inaccurate items that have been posted on my most recent consumer credit report provided to me by Experian. These items are damaging to the integrity of my consumer report and must be corrected in order to show a true and accurate representation of my credit history. The following items are listed below : Personal Identification Information My legal name is XXXX XXXX XXXX, XXXX ( Name ID # : XXXX ) as it is reported on my state drivers license. Remove the following names from my credit report, as they do not accurately represent me. I demand removal of all names listed below in my consumer report in accordance with 15 USC 1681i that do NOT present my name as it should be legally represented XXXX XXXX Name ID # : XXXX ; XXXX XXXX XXXX Name ID # : XXXX ; XXXX XXXX XXXX Name ID # : XXXX ; XXXX XXXX XXXX Name ID # : XXXX Inquiries I DID NOT AUTHORIZE THESE INQUIRIES. Please remove the following inquiries from my consumer credit report in accordance with 15 USC 1681i : DATES XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX  ; Thank you for your cooperation concerning the aforementioned being disputed. Please send me an updated copy of my consumer credit report upon completion of your review. Thank You. 

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

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Mortgage

A filing error was made by my attorney 's office when filing my trust documents. due to this error, my property value was uncapped and my property taxes went from {$5000.00} to {$150000.00}. Due to my escrow account with Bank of America I knew nothing about this until I received and Escrow analysis raising my monthly payment from $ XXXX to $ XXXX to make up the difference. They gave me 2 options : pay XXXX payment, or pay off the negative balance on my escrow account. I borrowed the money and paid the balance and closed my escrow account. ( in excess of {$10000.00} ) Over the next 6 months I worked with my attorney and the tax accessors office and was able to go before the review board where they recapped my property value. In XX/XX/2022 the XXXX XXXX 's office issued a refund for the over payment on my taxed in the amount of {$9000.00}. They returned the money to Bank of America as they were the ones who paid the tax bill. Since XXXX I have been attempting to secure a refund of {$9000.00} from Bank of America. From the list of names provided, you can see I have tried numerous times. On XXXX I spoke with supervisor XXXX XXXX XXXX in Pennsylvania, email address : XXXX, phone number XXXX who said she would expedite the refund, but it would take 2 - 4 weeks to process. It has now been in excess of 4 weeks, so today I spoke with supervisor XXXX XXXX no further identification was offered or received ) who told me the case number XXXX indicated there were detailed notes attached, but she could not locate them. She said she could not determine where the money is, nor when it would be refunded. they are holding my tax refund adn refund to return it to me.
Product: Credit reporting or other personal consumer reports

My social security number is XXXX on my experian credit report theirs is XXXX hard inquiries they supposed to be removed I have a federal trade commission identity theft report on file please remove fraud inquiries
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions. 

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that Experian making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress. 

I insist that you update my utilization to 5 % or below within 10 calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( XXXX ) and ( XXXX ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts. 

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX 's XXXX XXXX, XXXX XXXX, XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Credit reporting

XXXX, payed bill, received a letter from them stating " paid in full letter '' yetthe account still shows in my credit report as opened.
Product: Credit reporting or other personal consumer reports

Check Systems has negative information I do not have any charged off bank accounts
Product: Credit card or prepaid card

I have been having an issue with synchrony bank/care credit. I am uploading the documents. I received a letter from them stating there was an error on my statement for interest charges and Late fees and they will correct it. There is supposed to be no interest on this card. The next complaint is they lowered the credit line again from {$4800.00} to {$1500.00} again they did this once before I complained and they gave me back the original credit line now they took it back again and lowered it which is not right. The other complaint is they only issued {$13.00} credit but yet charged me {$2.00} in interest again. My balance is wrong its not XXXX if they take off the interest and late fees it should be {$1000.00} this account needs to be paid in full before XX/XX/XXXX of this year 2020 before it will start accruing interest. This card was 2 years no interest if paid in full by XX/XX/2020 but they are not crediting my account correctly
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX XXXX XXXX ) contacted me regarding an alleged debt. I informed them that I do not owe this debt and that it is not mine. Despite this, I continue to receive communication from them regarding this account. I was told it was a web bank account that belonged to a business. I checked my credit report and found this account on my XXXX and Equifax credit file. I disputed but it was not removed. Apparently they are not verifying this account because it would have been removed from my credit file. 

I have also attempted to provide proof of my identity and request verification of the debt, but my requests have not been acknowledged or addressed adequately. 

This situation has caused me significant distress and has negatively impacted my credit report, as I am concerned about the potential consequences of this erroneous collection.
Product: Credit reporting or other personal consumer reports

Over the last past year, Ihave reached out to to XXXX and Equifax explaining that there are accounts on my credit report that I am listed as a authorized user but the information that is pertaining to the main account holder is reporting as my information which is inaccurate.
Product: Credit card or prepaid card

I recently receive a XXXX XXXX XXXX XXXX Credit Card from Comenity Capital Bank, part of Bread Financial. 

Due to website issues it was approx 2 weeks after I received my card before I could register on the website. The company advised this was a known issue.

Once I was able to register and received the first statement, I tried to schedule a payment. There are 3 ways to make payment online : one time payment, automatic payment, and through their EasyPay option. Trying all of these, they all errored with " We're sorry. A technical glitch occurred and your request could not be completed. Please try again. ".

I contacted customer service by phone when it first happened on XX/XX/2023. The agent said he hadn't heard of this issue before and said I should try again the next day. 

The issue persisted and I called again on XX/XX/2023. The agent said the website was having a number of issues and a fix would be implemented over the weekend and to try again on Monday, XX/XX/XXXX. 

The issue persisted and I called customer service again on XX/XX/2023. This time the again said it was a known issue and they plan to have the issue resolved by the first week of XXXX. 

The issue still persists as of XX/XX/2023. I have a payment due on XX/XX/XXXX. It is unclear if I'll be able to make that payment online. 

The company issued me a card knowing their website was not functional. That is irresponsible and deceptive.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts listed below from my credit report. These accounts are fraudulent and were the result of a data breach, as I have no association with them. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have all fraudulent information permanently removed from my credit file.

Fraudulent Accounts to Be Blocked and Deleted 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, a collections amount of {$3700.00} was added to my credit report from a company called Genesis Credit Management, under the creditor " XXXX XXXX ''. Indebted account was listed as opened in XX/XX/XXXX I do not recognize the owed amount, the debt collector, the creditor, nor the time that the debt was initiated. I believe this was a fraudulent collection added to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX {$3800.00}
Product: Mortgage

It started with greentree servicing I would send my house payment a few days early for instance I would send Aprils payment the end of XXXX payments were due on the XXXX I started getting phone calls from greentree saying my XXXX payment was late I told them no that is my XXXX payment early I told them to double check their records they agreed with me then several months later the same thing over again only this time they would n't back down when I told them it was a payment early not late my husband and I got l laid off in 2007 I admit we were late on some payments but always got caught up sending extra money if we were 2 weeks late here would come the letter of default they would say we did n't make such and such onth payment when I have documentation that they received it it might have Been late I have documents saying what was due and what they received they always got more money then was due but we always owed more I have documents saying on XXXX paper the original note was {$85000.00} and other papers saying the amount of note was {$83000.00} they say our house payment was XXXX it {$670.00} I was hung up on when asked about their additional charges on every stub totalling XXXX dollars I was constantly getting harassed by their phone calls I owed {$120.00} on Decembers payment I could n't make XXXX payment XXXX XXXX I got the foreclosure papers in the mail they did n't wait to see if they were going to get XXXX payment I called them right away and told them I would send them all the money that I owed them that day which was {$1400.00} but it went up to {$4000.00} I told XXXX I did n't have that much just what I owed she said '' well when can you move? '' I believe my home should not have been foreclosed on they wanted us out of their we filed chapterXXXX bankruptcy to try and save our home but the bankruptcy payments kept going up so we could n't afford it anymore so it was dismissed and greentree was right there we also paid a place over a {$1000.00} called consumer advocate to try and mediate with gt and do a forensic scan of all the paperwork they are no longer in business I think that might have been a scam. There were so many different amounts juggled around with gt I could n't keep track of it all I lost a lot of paper 's moving around so much after I lost my home I will attach these documents I apologize about the condition there in
Product: Credit card or prepaid card

In XX/XX/2019, I received an offer for a 0 % balance transfer to a Discover " It '' card and decided to apply. My intent was to open the credit account so I could move and pay down a balance currently being carried on a different account. During the application process, Discover asked me the amount of money I would like to transfer and also collected the account information for my account at the other financial institution. I requested approximately {$17000.00} as part of the transfer request, a balance that was the result of a few recent large expenditures that I put on credit only to earn points. I originally planned to use savings to pay off the balance, but Discover 's offer looked to be a great alternative. 

I am a responsible credit user with more than a decade of spotless credit history, a high credit score, and low utilization across my accounts. 

Though the application was approved, the credit line was for a fraction of the amount requested in the balance transfer. I was granted just a {$3600.00} credit line, which equates to less than 3 % of the total credit I had available to me at the time. I tried to contact Discover immediately after seeing this, and the agents were unable to see anything regarding the account since it was " too new. '' They asked me to call back once I received the card in the mail. 

I called when the card was received in the mail, and the agent I spoke with informed me that they would continue to process the balance transfer request, but only for 95 % of the total credit line I had been approved for. This was approximately 19 % of the total amount that I had requested to transfer in the first place. 

Ultimately, I have decided to cancel the account and to not bother activating the card. The targeted marketing materials led me to believe I would be able to open an account with a credit line up to the amount that I was requesting to transfer. Since this was not the case, I have no value in the new account but now have a negative mark ( hard inquiry ) on my credit report. I feel that Discover should clearly explain in its application that if approved, an account will be open with a credit line that is not at all informed by the amount in the balance transfer request. Had I known this or had I had a chance to withdraw the application before opening an account with such a low line of credit, I would not have opened the account at all.
Product: Checking or savings account

On XX/XX/2022 i made a mobile app deposit to my Capital One 360 checking account ending in XXXX in the amount of XXXX unfortunately the bank wouldnt release my funds because they allegedly needed to verify the remitter of said check that was XXXX  months ago! Since then i have made a few efforts on my own to get Capital One to actually get on the phone and call the remitter in this case XXXX XXXX and their partner bank XXXX XXXX bank i actually have had XXXX agent verify the check with XXXX XXXX but have had difficulty verifying with XXXX XXXX because of their policy of being unable to speak on a recorded line like the one Capital One uses!