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

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, XXXX XXXX, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the manner in which my multiple attempts to rectify inaccuracies on my credit report have been handled. Despite repeated efforts to correct late open accounts on my credit file, the issue persists, causing substantial harm to my financial standing and overall quality of life. 

These late open accounts are causing substantial damage to my credit score and financial well-being. I have diligently followed the proper procedures for disputing these inaccuracies, including submitting supporting documentation and adhering to the statutory guidelines outlined in the Fair Credit Reporting Act. 

Despite my efforts, the errors remain on my credit report, and no corrective action has been taken. I am deeply concerned about the adverse effects these inaccuracies are having on my ability to secure loans, credit, and employment opportunities. 

I have attached copies of all correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and timely investigation into the matter to rectify the inaccuracies on my credit report. 

Furthermore, I kindly request that you provide me with a written response detailing the results of your investigation, along with any steps taken to correct my credit report within 30 days of your receipt of this complaint, as stipulated by the Fair Credit Reporting Act. 

In addition to the corrections, I also request that the credit bureau provide a written statement of the actions taken to prevent such inaccuracies from reoccurring in the future. This is essential to ensure that other consumers do not endure a similar ordeal. 

I am also willing to cooperate and provide any additional information you may require during the investigation process. 

Failure to address this matter satisfactorily will leave me with no alternative but to pursue legal action to rectify these inaccuracies and seek damages for the financial harm caused by this situation. I am asking for your assistance to correct the following late open accounts in my credit file : 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: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been consistently trying to get these inaccurate items removed from my credit report! My family and I have been a victim to this madness for sometime now. These items are clearly in violation of the FCRA. My family and I have already been stressed and struggling due to COVID now things are becoming worse simply because we are no able to apply for credit because these inaccurate items that are being reported has been causing our scores to drag which results in constant denials for credit. Please help resolve this ISSUE. I am in the process of seeking compensation for my troubles if these issues are not resolved immediately.
Product: Student loan

American Education Services refuses to allow me to automatically pay my bill online due to three failed ACH drafts from where i switched bank accounts and did not have the funds. There is no one they will allow me to talk to in the Financial Management Department & they refuse to send me to someone in that department or email them on my behalf. I just want to be able to pay my bill online and automatically. What other Loan Services refuses to take payments FOREVER automatically becuase a  client had a issue with ACH payments once YEARS ago?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX credit bureaus to dispute items. I have not heard back from them. it has been over 30 days.
Product: Credit card or prepaid card

My payments are being fully applied towards the balance transfer amount on my card, which is at 0 % interest until XXXX of 2019, instead of applying towards my purchases which are at a rate of 24.99 % APR, resulting in more interest being charged than should be.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security # : XXXX XXXX : XX/XX/year> Dear Credit Reporting Agency & Creditors : I am disputing inaccurate information listed in my credit reports for XXXX , Equifax , and XXXX XXXX 

I recently went thru a divorce and I no longer have responsibility for the debt or credit accounts listed in my credit report as deemed by the court and divorce settlement agreement attached to this letter. 

Also I can certify that the credit accounts listed in my credit records are fraudulent and were opened by my ex spouse without my authorization during our separation, this claim has been confirmed by a police report to the XXXX XXXX Police Department that later resulted in the arrest of my ex spouse due to her confirmed actions of identity theft in my name. 


With such information said under the FCRA I kindly ask that you remove the following information from my credit report as such items are no longer my responsibility due to the divorce judgment and are fraudulent by nature due to identity theft, if the listed credit reporting agencys refuse to comply and correct the records this may result in legal action as your agency will be in violation of the The Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) that protects consumers against the misuse and misreporting of credit information. 


Affected Credit Accounts : XXXXXXXX XXXX XXXXXXXX - {$7600.00} XXXX XXXX  XXXX {$14000.00} XXXX XXXX XXXX XXXX - {$16000.00} XXXX XXXX XXXXXXXX - {$3400.00} XXXX  XXXX XXXX - {$2100.00} XXXX XXXX XXXX XXXXXXXX XXXX {$20.00} XXXX XXXX  XXXX - {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX {$370.00} Please kindly remove the listed accounts to prevent any legal action as previous lawsuits have been filed in the past. 


Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX XXXX I had over {$940.00} in my Wells Fargo checking account. Later that day I go to deposit money and notice my account is negative {$27.00}. I check my account see Correction Error {$960.00}. Talk to Wells Fargo banker at branch and they tell me they can't help me and to call the XXXX number. I call and they tell we will do a research investigation and you will hear from us in 5 days. Call the next day and they tell me we made a mistake 6 months ago and mental to take out money on XX/XX/XXXX. We'll let you know in 5 days whether we decide to reverse the funds. Call today and they tell me we know you are frustrated but we can't reverse the funds back into your account. Was with Wells Fargo for 7 years and what they did was very wrong and stole my rent money.
Product: Credit reporting or other personal consumer reports

I was out a dinner with my wife, after dinner as we were walking back to our car. I noticed the passenger side window broken. Documents from my glove compartment was stolen. All of my personal information was taken, Bank records, tax records and pay information. I called and file a report with local police. They provided me with a incident report and and advised me to contact the credit agencies and monitor my credit. Over time I noticed a few items on my credit report I did not authorized. I have been contacting the credit agencies for help and for some reason they are not willing to help. I wan to file a formal complaint to resole this issue. The below listed accounts are not mine and I request that they gets removed. 

XXXX XXXX XXXX XXXX opened : XX/XX/XXXX -XXXX XXXX XXXX opened : XX/XX/XXXX -XXXX XXXX opened : XX/XX/XXXX
Product: Credit card

Citi credit card allowed an unauthorized purchase on my LOCKED credit card last month. After Citi refused to do the right thing, I cancelled my card to make sure this could not happen again. Well today Citi allowed this same merchant to charge my account again, this time with the CANCELLED CREDIT CARD. They are once again refusing to remove the charge. THIS IS FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft. My personal information was stolen and used to get loans and credit. I filed the correct paperwork per the FCRA and sent it to the credit agencies. They have not done anything and not attached my paperwork to the disputes. 

This is the account : XXXX XXXX
Product: Debt collection

XXXX called on XX/XX/XXXX at about XXXXXXXX XXXX  claiming to be from Sherloq financial, about collecting medical debt from XXXX, he was XXXX  and XXXX  and said there were four other accounts but did not specify which or how much. I have been contacted by my insurance that I have paid everything in relation to this. I have talked to my doctor and my endocrinologist and they said I don't owe anything either. ( I am XXXX and have XXXX and XXXX that pays for my doctor visits. ) I feel that they are just trying to collect money they are not owed and its predatory.
Product: Money transfer, virtual currency, or money service

In XXXX I initiated a XXXX transfer from my Bank of America business account for what was suppose to be a deposit for an artist performance at the end of the month. When I ended up being defrauded Bank of America said there was nothing they could do. Basically, my business has no protection at all against fraud because I used XXXX but the app is connected to my business account. I'm a XXXX XXXX of XXXX  children and it's disheartening to know someone can easily scam there way out of money and the banks don't protect it nor do they attempt to correct it.
Product: Debt collection

I am XXXX XXXX and im submitting the complaint myself and there is no third party involve. Pursue to XXXX XXXX XXXX b i did not give permissible purpose to place anything on my consumer report without my acknowledgement. This debt has not been validated and the company assumed that this debt is owed. I had no acknowledgement of these accounts until I reviewed my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent out a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I opened an account with XXXX XXXX on XX/XX/XXXX. I deposited the amount required and then deposited more money. On XX/XX/XXXX it seems a letter was sent to me telling me that I have closed my account without any reason provided. 

I called customer service and spoke to a " supervisor '' named XXXX XXXX who told me that they " did not have to provide a reason '' and could close my " account at anytime without notice or reason. '' This bank should be shut down. 

They are a public bank and provided you have not breached a term of the agreement for opening an account, they should not have the option to randomly close your account to avoid paying you the bonus that they promised.
Product: Checking or savings account

I am now unable to withdraw any money from my online saving account. Every time I want to do an online transfer, it asked me to call their customer service. It first started on XX/XX/XXXX when I tried to transfer money out to an external account. Then XX/XX/XXXX, my online access was locked. I called them and the agent verified me and restored my online access. A few hours later, they called me to verify my ownership of the external account in order to complete the transfer. However, the account I want to withdraw to has a policy that to verify ownership, I need to call them first. But Goldman Sachs need to initiate verification from their end, resulting that it's impossible to verify and complete the transfer. I then decided to cancel the transfer and withdraw to another account. I waited a few days for the money to get back to my account and then tried to initiate transfers to other account. It failed every time with different accounts. I then called them and got transferred to the security department, got verified again, but still unable to transfer. After a few days I called again and they told me they can not see the details on my security flag ( probably due to insufficient privilege ) and said someone will call me for the next steps but I never got any calls. My money is now stuck in XXXX and I am unable to initiate or XXXX pull my money out.
Product: Credit reporting or other personal consumer reports

I keep on escalating this issue to all credit bureaus, concerning these closed accounts that were tagged as negative and late payment, and I havent received any updates nor seen any changes from my credit report until now. These accounts were supposedly deleted. I have filed an Identity theft before and have sent them copy of it but I received NO resolution from their side.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX was where all my loans went thru. The first part was while i was attending the local XXXX college, XXXX XXXX College, then I transfer to a 4 yr school to complete my degree programs. 
Even though the next set of loans at the 2nd school, XXXX XXXX University, involved new loan paperwork, which included a new home address, email, etc. This info for whatever reason did not update across all the acounts. And since they like to make each term, 3 per year, be its own account, they are saying it was my problem for not updating all the contact information for each and every account. 
Yet, they had the new information to send me info, and even worse, the address they did have was my grandmothers address, and nothing ever got sent their either. 
It reached the point of being 6 months past due, by the time i just happened to be looking into getting a home loan, and when i went to look at my credit report, it had been tanked by 13 accounts thru XXXX XXXX XXXX, each stating 6 months late. 
For an account that's supposed to have payments due, and reach 6 months past due, they never looked at the account closer for contact info, and when we called them directly, they even said that both sets of addresses were in the system, and the different email addresses, phone numbers, etc. So why couldn't they send anything.. and like i said again, the old address in their system, never received anything at that residence either, and my grandmother has been living there since 1996. 
I sent multiple letters attempting to explain everything to the creditor, XXXX XXXX, as well as all the credit bureaus. Response has been that nothing gets fixed. And the best the school did to fix the immediate problem of an account showing past due, was to make a retro active forbearance, and back date, or whatever they call it to fix the problem.. 
But, that doesn't help my credit report where the only bad thing on my report is this set of 13 accounts, all showing several months past due, and now, best they show is current because of the retroactive forbearance. This has prevented me from obtaining financing the purchase a home, as well as prevented me from being able to even rent an apartment for myself, my XXXX husband, and XXXX  kids. You would think this would be an easy fix, but apparently not, and they wont budge. 
I have been told i have grounds for legal action against them for this matter, and the financial/mental hardship it has caused us. Not to mention, a potential lawsuit against the fact that they get to report so many different accounts, but yet i only signed 1 loan agreement per year, so how its allowed to turn into 3 seperate loans is sketchy..
Product: Debt collection

On XX/XX/2020 I sent a letter ( certified ) to Merchant 's Credit Guide requesting verification of debt being reported on my credit report. In the letter, I also requested the agency to stop calling my phone and that all further communication should be only in writing. The certified letter was received ( with adult signature confirmation ) on XX/XX/2020. On XX/XX/2020 at XXXX XXXX, the collection agency called my number again and left a 3 minute voicemail. The number they called from is XXXX. This is the same number they have used in the past in their communication attempts.
Product: Mortgage

In XXXX of 2015 I was told by a Green Tree Rep. that if I were to pay back escrow in the amount of nearly XXXX my mortgage payment would be XXXX per month. I called back the next day to confirm with another rep. that the information I received was correct. They said yes, if I were to pay this then my monthly mortgage payments would be the XXXX per month. I paid by debit from checking account over the phone. This was ALL the funds I had ( employed by local school district so this money was to last until the start of the XXXX school year XXXX. I received my next mortgage bill and it was different by only a few dollars. I called Green Tree and the rep. said that I had been misinformed. I had an emotional break down. They received nearly XXXX dollars from me and nothing. I have not even received a receipt showing where those funds were applied to. I have stopped payments until this matter is cleared up and waiting to hear from legal council.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the THIRD time I have attempted to resolve this issue with Comenity Bank/Ny & Co and now this company is AGAIN reporting this account as a charge off. The original complaint I submitted to the CFPB is XXXX and will be attached for your review. I received a credit alert yesterday and this error decreased my credit score by XXXX points. If Ny & Co can't get this corrected, please remove this tradeline from my credit report as it is damaging and preventing me from qualifying for future credit.
Product: Checking or savings account

On XX/XX/2022 an authorized cash app account was made and rerouted through my cell number and debit card. An unauthorized purchase was made and the account then closed. I contacted Associated Bank about this and the dispute was denied. I have never used XXXX before, the IP address they provided and claimed that I used the application on is not the IP address of my home where I was on that day, and the person that it was supposedly sent to name and number do not match as they provided two separate telephone numbers. Associated Bank claims that XXXX has provided them with the above evidence, though none of it matches my information.
Product: Credit card

Chase added an authorized user to my credit card account by the name of " XXXX XXXX ''. The authorized user was added out of XXXX. The credit card was to be shipped to XXXX without my consent. Chase failed to contact me to confirm this was accurate and successfully added this user that i do not know.
Product: Checking or savings account

I opened a saving account at Popular Direct to earn high interest. They closed my account after external transfer was complete from my XXXX  XXXX XXXX account, they told me account is closed for unspecified security reasons but did not provide me specific details. 
I called many times and sent emails and they said they do not have access to the reason for closing. I have over 800 credit score. They finally send me email that we closed the account due to information on the XXXX report. I reviewed my XXXX report and all i see they bank inquires for non credit account verification but no reason for a bank to close my account. 
They are doing this to many customers so that they get short term funding for free and they close the accounts prior to an account is eligible to earn interest. Please see reviews at XXXX XXXX XXXX  I had two account one with {$100.00} trial opening balance and other with XXXX. One opened in last XX/XX/2023 and other this week. In my Popular Account i see that they have refunded {$100.00} back to my XXXX XXXX XXXX account but in my XXXX  XXXX XXXX account I do not see money coming in. XXXX has taken XXXX from my XXXX  XXXX XXXX account despite they will close 2nd XXXX account. 


Bank website : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with TransUnion credit reporting agency regarding a credit inquiry that was placed on my report by XXXX XXXX XXXX XXXX on XX/XX/XXXX. The inquiry was placed on my report after I initially submitted a dispute directly with XXXX regarding a 90 late that  was reported in XXXX of XXXX. The inquiry was not authorized and the dispute did not give permissible purpose to pull my credit report. I was told after contacting XXXX directly regarding the inquiry that the dispute is what cause the inquiry. I never asked or provided any consent or personal information to warrant the pulling of my credit report. In addition XXXX did not provide proof of me being late 90 days in XX/XX/XXXX. I was in forbearance during this period because my loans were in the process of being consolidated, hence why the account was closed 1 month after I was reported late. This account has been closed since XXXX of XXXX. Which furthermore validates my claim that this inquiry is unauthorized.