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

Despite the XXXX previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your XXXX investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXXXXXX XXXX XXXXXXXX ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under XXXX XXXX ( a ) ( XXXX ). Please be advised that under XXXX XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2700.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXXXXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and experian all have my personal info wrong and that can possibly result in INACCURATE credit reporting. I need my personal info updated between all 3 agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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: Checking or savings account

Hi there, I opened a checking account with US Bank that had a {$500.00} bonus with a direct deposit requirement. I have already fulfilled the requirement over three months and have called customer service many times. They said that, on their end, I qualify to receive the bonus. However, after waiting two more months, I still have not received it. This has wasted a lot of my time.
Product: Credit reporting or other personal consumer reports

I settled my debt on my papal cash back XXXX in XXXXXXXX XXXX XXXX  I called them in XXXX to ask why they keep reporting late payments, and the supervisor told me it will be updated within 30 days. I told her its been over 30 days. The last payment was made in XXXX. I also told her that XXXX and XXXX need to be corrected because the account was settled on in XXXX and should have been closed after that settlement. Per the agreement, they promised to update the account to settled and paid. I disputed it with XXXX and the dispute got updated to now show a late payment in XXXX! Ive settled on other debts and it doesnt take almost 3 months to update. They are acting malicious at this point and sending information to the credit bureaus that isnt accurate. Ive even called them and theyre aware Ive paid the settlement in full. And theyre still choosing not to update it. I was even told by a customer service supervisor that she will put in a note to get it updated with the credit bureaus, and nothing came of that. all disputing it did was cause more harm to my credit score. This company needs to be looked into because what theyre doing is questionable. This harms peoples day to day livelihood. I filed a complaint against them already once and they have not answered that CFPB complaint so far. This is Exactly why people dont pay back debts because it doesnt help them in anyway apparantly. I was trying to do the right thing and pay back debt that we only incurred because of financial hardship that happened last summer. We arent bad people. We lost {$88000.00} On our House that wasnt selling while paying on another house. But I feel like Im being treated like a peasant and with disrespect. Instead of ignoring them, I called them to pay it back and I did what I said I was going to do. They need to stick to the agreement!!!! Stop reporting it as late!!!
Product: Mortgage

My home mortgage was with CitiFinancial and Iwas never late on a payment. I refinanced with XXXX XXXX, who paid off my CitiFinancial mortgage on XXXX XXXX, 2015. CitiFinancial cashed the XXXX XXXX payoff check on XXXX XXXX, 2015. On that same day, XXXX XXXX, CitiFinancial took an additional mortgage payment from my bank account, an overpayment of over {$1600.00}. XXXX XXXX and I are attempting to resolve the overpayment with no success with customer service at the CitiFinancial XXXX office. The customer service representative is " XXXX. '' XXXX is not cooperative and crass. 
Today, XXXX XXXX, 2015, I received a CitiFinancial letter from XXXX XXXX XXXX, XXXX Center Manager. The letter begins : If the present delinquent condition of your account is not corrected, it could result in foreclosure and the eventual sale of your home to satisfy this debt. 
CitiFinancial is threatening to foreclosure on a customer who has never had a late payment, from whom they collected an overpayment, and they cashed the XXXX XXXX check closing the CitiFinancial account on XXXX XXXX. 
Your kind attention to this matter is greatly appreciated. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled and updated quickly. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hrs stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Care Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Finacial Protection Act ( CFPA ), 12 U.S.C. $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have tried on multiple occasions to fix my personal incorrect information that is on my credit report. I have sent multiple letters with no responses. All of my letters have been ignored. All I wanted is my drivers license and proof of residence information to match. The information reporting on my credit report is incorrect.
Product: Credit card

Companies involved were XXXX  XXXX XXXX and Chase. 
Re : XXXX  XXXX XXXX My credit card number was available to a family member who lives on the opposite coast from where I reside. In the past, she had used it occasionally. When I noticed additional charges on this card made by this relative, I called XXXX  XXXX XXXX to put a hold on California charges. Since a hold was not possible, I asked for the number to be changed. I was assured that no further charges from this individual could be put on the new number, however, more charges were amassed. The old number had not been cancelled and since it was in a digital wallet continued charges were accrued from the same individual. I was not informed that a digital wallet existed nor that the old number had not been canceled. At that point I spoke to a supervisor regarding lack of essential information to enable an effective resolution. 
Chase Bank : Again, this individual began to use the Chase card indiscriminately, therefore I called the credit card company to speak with a service provider who assured me that charges could not exceed the {$5000.00} limit. I was assured that no further charges would occur once the limit was reached. Without notification to me, or permission from me, the credit company continued to accept charges to my card. When called, their response to my inquiry was, 'since your credit was in good standing, we extended your credit limit because you are such a good customer '. Again, this was done without my knowledge or permission.
Product: Prepaid card

On XXXX of XX/XX/year> I purchased {$500.00} amex gift card from XXXX. The card was declined and it was on *HOLD* Im unable to use on the XXXX of XX/XX/year> I called the company to make a complaint they asked for my address and they told Ill receive a new card after 14 days of waiting I received the card in my mail and when I opened and tried to register, the card was invalid with {$0.00} balance on it. This is theft and fraud which I did not expect from amex. TODAY XX/XX/XXXX I BOUGHT ANOTHER AMEX CARD FROM XXXX AGAIN {$300.00} and I was unable to use it with same issue. Please help!! I need this money for my bills Im getting broke XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have XXXX credit score from all three reporting bureaus. Equifax on XX/XX/2021 dropped my credit scores to XXXX. I called XXXX  and XXXX  and they explained to me that there was no changes in my information. I do not have a collections, late payment, bankruptcy, or court decision. 

I went into Equifax to see the reason for the drop of XXXX points and there was none. All the information i had with them prior to dropping my score form XXXX to XXXX are the same. I tried to submit a dispute and the system would not let me. 

I called the agency on XX/XX/2021 at XXXX XXXX. The staff told me that they are no able to tell me the reason why they drop my score. I tried to explain to them that they can not randomly drop people 's score without being able to give the reason behind such action. 

I was not able to get any explanation why Equifax drop my score by XXXX points. I still have a FiCO score of XXXX with XXXX  and XXXX with XXXX. But, I can not get information about my credit score with Equifax. I know by law, you can not drop someone's without providing why it was dropped and I was not able to get any information form them. 

Thanks in advance for helping understand why they drop my score.
Product: Credit reporting

XXXX XXXX SS # XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX, FL 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 Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter 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 {$50.00} XXXX XXXX XXXX XXXX DELINQ XXXX IQUIRE NOT DONE BY ME XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX SS # XXXX XXXX : XXXX/XXXX/XXXX XXXX , FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX LISTED ON MY CREDIT REPORT STATES I OWE A BALANCE OF {$64.00} THAT IS NOT CORRECT I CONTACTED THE COMPANY THEY ARE AWARE I HAVE A {$0.00} BALANCE PLEASE REMOVE THIS INCORRECT INFORMATION PLEASE REMOVE OFF OF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to add my phone number to my personal credit file, faxed a request also and I was told it had been taken care of and as of today it is still not listed. I believe this is not a hard task
Product: Credit reporting or other personal consumer reports

I spoke to a representative at XXXX on the phone on or about Account XXXX XXXX and they informed me that they'd received my documents in the mail In XX/XX/XXXX XXXX  showing them that this Account Should read as Paid/Closed as it shows on XXXX with no Balance! It is the duty of this entity to furnish accurate information and in this case XXXX is Intentionally VIolating the Rules of the CFPB and The FCRA in it's entirety by Reporting Information that they have been made aware that is fully inaccurate and incorrect. ( see attatched files of credit report ) This is causing the Consumer mental anguish because XXXX told the Consumer that they're not going to make any changes nor open a Reinvestigation unless they recieve a letter from their XXXX XXXX who pays for a subscription to XXXX services. The XXXX produced legal Documents showing that the Consumers file was updated on XXXX and that XXXX should follow suit but XXXX refuses.2. It's been well over 30 days since the initial Complaint, and not only that they are clearly violating the Law Knowingly and Intentionally! Without fear of being held accountable! 

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 ). 

also the following applies : ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit. XXXX has clear disregard for these rules and regulation as proof will show below in the attached.
Product: Mortgage

Dates spreadsheet ( more details ) is included in attached documents in an XXXX document. 
Loan amount {$25000.00} | XXXX Loan taken out XX/XX/XXXX Money withdrawn/spent XX/XX/XXXX XX/XX/XXXX - Message Center XXXX contacted Mortgage Dept. denying knowledge of HELOC, and is aware of her mental state ( This is after/when she was FINALLY getting the medicine she needed to help her XXXX and XXXX XXXX ) XX/XX/XXXX passed away XX/XX/XXXX XX/XX/XXXX XXXX  problems begain XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX - XXXX became XXXX XXXX and XXXX. Admitted to hospital. XXXX XXXX. XXXX County made me the home owner beginning this time. I was the Remainder-man and beneficiary of the home based on a Enhanced Life Estate Deed submitted to OCPA in XX/XX/XXXX, Notarized by a friend of the family within our neighborhood ( name excluded per instructions of your site ). 
**** I have also asked for a change of address, I have faxed with successful confirmation, and certified letter sent requesting this change, and Bank of America has neglected to make this change. I followed their instructions to the letter. 
**** I have requested and filed a complaint with Bank of America on numerous occasions for the Fraud Dept. to contact me and per their own policy this should happen within 48-72 hours. Nothing has ever happened. I have 0 text messages, 0 emails, 0 phone calls from this dept.. I have a letter about a credit file dispute which is NOT what I was requesting. 
**** I have multiple recorded phone calls from Bank of America about this matter with appalled employees from within shocked no one has reached out regarding this matter. 
**** Now they are trying to collect from me for this fraudulent HELOC. 
**** I have never received a single bill or statement nor have I been given any notice of foreclosure by Bank of America.
Product: Credit reporting or other personal consumer reports

Dear equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate on XXXX  HAS 90 days & EQ HAS 60 days. last reported dates are wrong & different last payment EQ HAS XX/XX/year> & XXXX HAS XXXX XXXX XXXX. XXXX XXXX DATE CLOSED SECTION THE ACCOUNT SAYS MAXIMUM DELINQUENCY 90 DAYS IN XX/XX/year> THIS ACCOUNT DOES NOT HAVE REPORTING DATE OF XX/XX/year> THIS ACCOUNT SHOULD HAVE LATES IN IN THE PAYMENT HISTORY BUT DOES NOT THAT INACCURATE INFORMATION REPORTING ON MY REPORT HURTING ME. Im sorry but this account inactive delete this account for frca rights THIS ACCOUNT IS REPORTING 90 days FOR XXXX LATE BUT NO LATES IN PAYMENT HISTORY NEED REMOVED DUE TO INACCURATE INFORMATION DUE TO CONSUMER RIGHTS inaccurate whole account. THERES NO COMMENT FOR NOTICE OF DISPUTE IT SAYS CLOSED. EVERYTHING I CIRCLED IN THE PDF FOR PROOF NUMBERS DONT LIE 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

Thank you
Product: Credit reporting or other personal consumer reports

This is the follow up complaint. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX  Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$2400.00} XXXX XXXX XXXX  Balance Owed XXXX {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$1300.00} 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  According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Student loan

I applied for an Income-driven repayment plan on Studentloans.gov, and Nelnet confirmed receipt XXXX/XXXX/XXXX. Nelnet 's website and IVRU state the status is " pending '' and, if pending, I should allow 3 business days for it to be processed. It 's still not processed as of XXXX/XXXX/XXXX. I tried to call but was getting the run-around. My husband had a similar experience with a different loan servicer. He completed loan rehab in XX/XX/XXXX or XX/XX/XXXX and subsequently requested the IBR/ICR forms. He completed them and sent in multiple times, but everytime he talked to them, they said they either had n't received it or it was still processing. In the end, we gave up. I thought it might be different now with the streamlined online process, but it seems not. Are they waiting on me to default? They keep sending me emails and posting on XXXX how they can help if I 'm behind by arranging a new repayment plan, but there 's no follow-through. Please help.