23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reached out to credit reporting agency Experian, XXXX, XXXX. Letting them know i was a victim of identity theft. I sent a list of fraudulent accounts a long with a ftc report and my identification. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Which was never done which means they are in direct violation of FCRA right under the Fair Crediting reporting Act 15 USC Section 1681 violation for willful non compliance - Section 616 civil liability for wilful noncompliance ( 15 U.S.C. section 1681n ) which is 1000 per violation which i am seeking.
Product: Credit reporting or other personal consumer reports

XXXX To Whom it May Concern This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates.

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account.

I demand to see verifiable proof ie.an oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts on my police report and ftc be deleted immediately the in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you XXXX XXXX,
Product: Credit reporting or other personal consumer reports

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXXXXXX XXXX associated with XXXX for the month of XX/XX/2023, XX/XX/2023 & XX/XX/2023, XX/XX/2023 and XX/XX/2023 ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found a few accounts on my credit report that were not opened by me. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report, and have identified inaccuracies, incomplete information, and accounts that remain unverified. In accordance with the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to expeditiously REMOVE all data that is inaccurate, incomplete, or unverifiable.

It is my understanding that under the FCRA, 15 U.S.C. 1681i, each and every aspect, whether unproven, non-compliant, incomplete, untrue, incorrect, or unverified, pertaining to alleged derogatory accounts must be expeditiously negated in its entirety, or said accounts should be entirely deleted.
Product: Credit reporting or other personal consumer reports

They are reporting to all 3 credit bureau a balance and account open status and this is a collection and it should not be reporting like this on collections
Product: Checking or savings account

On XX/XX/2021, I received a notice that my beloved Simple banking account that Ive never, ever had issues with was transitioning to a BBVA account. Over the subsequent months, I received assurances via email that the transition would be seamless, with the final piece of the transition ( the only customer-actionable step in the process ) being that starting on XX/XX/2021 I, as a customer, would cease having access to my Simple checking account, would use the link emailed to activate my BBVA account- also could be done through the app- and I would immediately have access to my new account, my money, my account numbers, everything. 

In the unnecessarily complex process it took to try to activate my BBVA account on XX/XX/XXXX, it would not allow me to. I am unsure if I even successfully created a user name and password. And the attempt to sign in on either the website or in the app has locked me out of my new- and only- checking account. I can not look at balances. I cant attempt to transfer funds out of it. My account and my money are being held without allowing me any access to it at all. I have tried calling customer service for hours today, as the notice on the website says, to only get a our system is down, call back later message. 

BBVA had at least 4 months to make this transition easy. They couldve given us at least a few days where we could access both accounts, instead of completely nullifying our Simple account while also preventing us from accessing our new BBVA account with no way to seek resolution about it for going on 2 days.
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> submitted a dispute to TransUnion for XXXX account XXXX The account had been sent to XXXX and XXXX had closed the account. TransUnion on XXXX XX/XX/year> sent a secure email message that the account was not on my report. On XXXX XX/XX/year> the account, XXXX is still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt contacting the Federal Trade Commission and the CFPB to help remove the unauthorized credit inquiry on my credit. I value my credit to the utmost ... Please DELETE this immediately. 

XXXX XXXX on Equifax XX/XX/2017 XXXX XXXX  on XXXX  XXXX/XXXX  These are unauthorized and I want them deleted immediately. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with XXXX XXXX/XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt.
Product: Checking or savings account

I attempted to add {$100.00} to my Revolut account using XXXX XXXX ( XXXX XXXX ). I was then restricted and a request to confirm the " card '' being used to load my Revolut account was mine. I followed the instructions and for over XXXX hours I did not receive any response. I had to flood their direct message box on XXXX to get any attention, the representative who ended up taking my original chat in their app, provided no help and informed me it was being reviewed. Upon checking the status, no movement has been made, it doesn't even state the review has been submitted. I received my salary from XXXX XXXXXXXX via direct deposit to Revolut and I've completed their identity verification upon opening my account.My direct deposit from XXXX XXXX will be deposited on XX/XX/2022, I need access to those funds for bills. It has been more than XXXX hrs and absolutely NOTHING has been done.
Product: Credit card or prepaid card

I was at work on XX/XX/XXXX can prove that and i received alerts stating someine was withdrawimg funds out my account without my permission i dont know who the person is or how they got my information but they took a total of XXXX and my bamk is trying to say it was me whem i told them it was not me i want to prosecute whoever it is or they find out it is well they said they found no error and i am just out of XXXX and there nothing that can be done the company is netspend prepaid card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  has failed to provide or ma il Proof of Contract or Documents with my signature for t he alleged item in dispute. Also, the balance is incorrect. Please Delete and Remove the alleged item, which is causing emotional stress and mental stress. I have attached documents for your review showing the correct balance. Thanks ...
Product: Credit reporting, credit repair services, or other personal consumer reports

All inaccurate Information should have been removed from credit report by XX/XX/XXXX. 
According to law disputed information related to identity theft must be removed from credit reports within certain time period not to exceed 4 business days.

Identity theft report, copy of id, copy of social security card, FTC ID Theft Report, Dispute letter, copy of Police Report all mailed by certified mail on XX/XX/XXXX. Time required to be removed from report has already exceeded. 
All above listed enclosures already submitted has been re-sent by Us certified mail and also Uploaded into dispute portal on Experian Website as of XX/XX/XXXX. Bureau Must Remove listed accounts related to ID Theft immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FICO score is inaccurately low and FICO is using XXXX discriminatory, redlining practices to falsely report a lower FICO score based upon XXXX in order to keep certain demographics in a constant low score status. FICO score is inconsistent with actual fair and equal reporting standards. 
FICO score must be raised at least XXXX points in order to be consistent with similar credit reports that reflect the same information.
Product: Debt collection

Received text : " This message is from the CBE Group, a debt collector. Please contact us at XXXX or paycbe.com. Reply 'STOP ' to stop texts to this number. '' I have never gotten any mail from these people, I have no idea what " debt '' they're talking about. Responded with 'STOP ' text, but received no response confirming that the messages would stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your institution. Upon reviewing my credit report, I was dismayed to find discrepancies that raise serious doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have enclosed with this letter for your thorough examination. I respectfully urge you to investigate this issue thoroughly and promptly correct any inaccuracies to update my personal information accurately.

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Checking or savings account

Hi I Have a serious problem that I need your assistance with : On Thursday XXXX approximately around XXXX I stopped at the 2nd ATM ( Serial Number : XXXX XXXX ) with my car ( XXXX XXXXXXXX XXXX XXXX California Licence plate XXXX ). 
I Had XXXX Brand new {$100.00} bills at the total of {$2000.00}. 
I used my Debit card XXXX XXXX XXXX XXXX at the ATM and tried to deposit the cash. 
I loaded all the bills in a stack to the cash drawer, the ATM counted them and then I got a message that only {$600.00} was deposited!! 
Obviously that was wrong and some kind of machine malfunctioned. 
I immediately canceled the transaction hoping to get all my cash money back, That didn't happen. 
The ATM gave me back only 6 {$100.00} bills out of 20 bills. Total of {$600.00}. {$1400.00} were missing! 
It was struggling to give the cash back too, the bills were new but were kept as a roll, therefore they had a roll shape to them, maybe that was the reason. 
I parked my car, and walked into the Bank, I saw you and told you briefly what happened, but you were in a meeting so I went to the Teller. 
I deposited the {$600.00} to my account at the Teller ( XXXX ). 
I updated the Teller about what just happened with the ATM, and she reassured me I had nothing to worry about, that these accidents happen and told me 2 things : 1. Wait for XXXX, the end of business day, the ATM will count the money deposited during the day, it should detect an excess 0f {$1400.00} ( 14 {$100.00} bills ) and deposit them directly to my account. - That didn't happen. 
2. She also said in case that didn't happen, to contact Customer service at XXXX XXXX tell them what happened and they will reimburse me immediately. 
That's what I did, I called XXXX on XXXX and spent over an hour and a half on the line trying to get this resolved. 
They opened a claim ( Claim ID XXXX ) and told me that the missing {$1400.00} will be deposited in my account in 2 days - That didn't happen. 

It's been 4 days that my money is missing and I got no reassurance that it was found and that it will be deposited. 
I have been wasting time and energy chasing down that money missing because of the ATM malfunction. That is not OK! 
The whole idea of an ATM is to give better customer service and experience and to save time, exactly the opposite of what is happening. 
Needless to say that I have lost my confidence about ATM 's and will never use them again. 

I need this resolved. 
I want whoever is incharge to pull the records of that ATM for that day and find my money. 
( I gave you all the information I have for this incident, they can backtrack the logs and check the cameras ). 
I want to be notified it has been found. 
I want the money to be deposited to my account immediately. 

XXXX - Update : I have received the {$1400.00} back. 
XXXX - update : the {$1400.00} were taken again out of my account! 

Please forward this email to whomever you know can help resolve this and follow up personally. 

Thank you for your time. 

XXXX XXXX
Product: Mortgage

Received notice from XXXX county, NC tax assessor 's office that my residential property was granted a Homestead Exclusion. This resulted in a 50 % reduction in my Assessed value which is what is use to calculate my tax payment. I received this notice XX/XX/2020. 
I requested my lender, SunTrust now Truist run a updated escrow analysis so my monthly tax escrow amount could be adjusted. I provided the written government document to them. 
I heard nothing, I made at least 4 additional phone calls requesting this update to my loan. Each time they told me they did not know the county tax rate and couldn't obtain it from XXXX county. I requested they use the current rate but they refused. 
As a consumer and senior citizen I feel this was a very appropriate request that could be easily handled. Mortgage lenders calculate rates as standard practice when setting up escrow accounts. 
Excess money is now being held in my account. Yes it will be refunded to me at the beginning of the year but I'm being denied the monthly saving the Homestead exclusion affords. 
I see no reason for their refusal and feel like they are violating my consumer rights. If they are doing this to me they are doing it to others.
Product: Credit card

Bank of America removed my autopay arrangements for my credit cards in XXXX without my knowledge, which then resulted in late fees and a XXXX late payment to show up on my credit report. I could have caught this in the XXXX monthly statement, but I was on travel and had to rely on the autopay option. I believe Bank of America may have tampered with my autopay settings as a retaliation to me closing my checking account with them prior in XXXX, since I've never had problems with autopay in the previous XXXX years of banking with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called multiple phone numbers, I never get transferred to XXXX. 
On XX/XX/2022 My credit score was XXXX. On XX/XX/2022 Experian decreased it by XXXX. WHY????????????? Nothing has changed. I still have 6 accounts, all accounts are paid on time, No account has been closed, No new accounts have been opened, My 3 credit cards are paid to ZERO balance every month. My debt has decreased on 3 student loan accounts. Once AGAIN! I'm filing another dispute against Experian for decreasing my score!!! I want my XXXX added back to my score! I'm pretty sure my credit score would be way over 950pts if I had all of my points back that Experian has stolen!!! 
I'm constantly disputing this HORRIBLE/DISHONEST/DISCRIMINATORY company!! 
My Credit Reports and Scores are EXCELLENT with XXXX and XXXX!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.
Product: Checking or savings account

Capital One hasnt been able to send their customers direct deposits. I have not received my direct deposit. Therefore, I am unable to pay any of my bills. I was sent one email saying it will be resolved before Friday morning. It has not be resolved yet. And there hasnt been any updating. When you call, customer service hangs up on you. When you message them and try to communicate with them, they ignore your questions and concerns.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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Product: Credit reporting or other personal consumer reports

am disputing several late payments reported by multiple creditors on my credit report. These late payments were not a result of negligence on my part but instead were caused by circumstances beyond my control, including technical errors with automatic payments, processing delays, and miscommunications regarding billing cycles. 

I have already attempted to resolve these inaccuracies directly with the creditors, but they have either failed to provide proper verification of the reported late payments or have refused to correct them despite my valid disputes. Under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's guidelines, I have the right to dispute any inaccurate, unfair, or unverifiable information on my credit report. 

Attached to this complaint, I have included individual dispute letters for each late payment in question, detailing the specific accounts and reporting errors. I request that the CFPB review these disputes, hold the creditors accountable for inaccurate reporting, and ensure that the errors are corrected in compliance with federal law.

Failure to correct these inaccuracies may result in further action, including filing complaints with other regulatory agencies and pursuing legal remedies. Please investigate this matter promptly.