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

this is my third dispute I disputed inaccurate information with XXXX, Equifax and XXXX in regard to this account lending club account number : XXXX XXXX XXXX the information was verified and accurate. After checking my credit report the information is still obviously inaccurate! On my XXXX report the account displays an open date of XX/XX/XXXX but this account was actually opened on a different date according to the other XXXX credit bureaus. XXXX shows XX/XX/XXXX, it should be falling off my credit report XX/XX/XXXX. The report shows the payment history begins XX/XX/XXXX which is another inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that XXXX,, Equifax and XXXX allowed to remain on my credit report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. I've attached a copy of the report from the XXXX credit report website. I've attached the results of the requested investigation and I've attached the response showing that XXXX told me the account remains with all the inaccuracies. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report. Balance : $??? 


Account Name : XXXX XXXX Account # XXXX delete account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Experian / XXXX XXXX. XXXX  XXXX XXXX, TX XXXX Re : Investigation Confirmation # XXXX To Experian Dispute Department To whom this may concern, I recently received your recent investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding re-investigation the following documents specifically. '' Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX XXXX XXXX XXXX XXXX DELETE XXXX XXXX XXXX DELETE XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX XXXX XXXX, XXXX et al, XXXX Vs XXXX, and XXXX Vs Experian. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that XXXX XXXX XXXX, XXXX et al just can't use the XXXX System because its not considered reasonable. XXXX XXXX XXXX, XXXX et al can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No!

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation.

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ). 

And send me another credit report. 

Thanks!
Product: Checking or savings account

Someone opened an account in my name at Bank Of America on XX/XX/2023 and deposit XXXX on XX/XX/2023 then withdrew it out
Product: Debt collection

I first received a letter saying I owed for a medical service with no date. When I wrote to them and told them I never dealt with this practice or had this service, the sent me another bill with a date of XX/XX/2018. I then wrote to them and told them this is not my debt, I had and have, health insurance during that time period and they have no record of me being billed by this company or that service. 
I have since had multiple phone calls from them as well as another bill dated XX/XX/2018 after I told them this is not my debt, stop contacting me. Each bill has a slightly different variation of this companys name.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding closed accounts that are still being reported on my credit file. Pursuant to the guidelines outlined in the Uniform Commercial Code ( UCC ), specifically UCC 3-605, I am formally requesting the removal of these accounts from my credit report.

Under UCC 3-605, it is essential to ensure the accuracy and completeness of financial records, including credit reports. Closed accounts should not be reflected on a credit report as they no longer represent current financial obligations.

Pursuant to the guidelines outlined in the 15 U.S. Code 1681, I believe it is essential to ensure the accuracy and fairness of credit reporting.

As per the Congressional findings outlined in the aforementioned code, it is recognized that the banking system relies heavily on fair and accurate credit reporting. Inaccurate reports directly impede the efficiency of the banking system and undermine public confidence, both of which are vital for its continued functioning. 

Consumer reporting agencies, such as yours, play a crucial role in assembling and evaluating consumer credit and other pertinent information. However, it is imperative that these agencies exercise their responsibilities with fairness, impartiality, and respect for consumer rights to privacy, as mandated by law. 

I have recently reviewed my credit report and identified several inaccuracies that need to be addressed. These inaccuracies are affecting my credit standing and could potentially harm my financial well-being. Therefore, I request that you take immediate action to remove these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed certified letters to Equifax concerning the following inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX/XXXX  XX/XX/XXXX. As of today XX/XX/XXXX I have not received any follow up investigation correspondence from Equifax concerning them.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Money transfer, virtual currency, or money service

Im a trying to link my bank account to Earnin, Ive had it for a while now and all of a sudden its saying my bank isnt connected and it cant be because of changes XXXX has made.
Product: Debt collection

I do not know what they are referring to because they will not tell me what it is referring to. I am in a Chapter XXXX. But they have called me repeatedly before XXXX XXXX and after XXXX XXXX Then they called my son! He texted me about this and I told him to go on scam alert and see all of the complaints. But now he may get repeated calls from them to get me to contact them. Which I did and nobody would tell me what this concerns me about and why the harassing phone calls. I am afraid they will start calling my work! Which I saw some of the complaints that they did on some of these victims. I am on the Do Not Call List and they are not recognizing that. I have not received a letter or anything on what this is about! They have threatening me on the voicemail that a petition is going to court and I must call them in 72 hours to appeal it. Appeal to what? This phone call happen on XXXX XXXX, XXXX at XXXX XXXX and left a message. Then when I called them today XXXX XXXX I was a little bit upset that they called my son and was told that I must be fully calm or they will end this call. I was firm about what is this call about and they would not answer my question. So I told them I would be filing a complaint. Beware of Clearview Resolution with a phone number XXXX and they use other numbers to call you. They are based out of New York.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a credit report was requested by XXXX XXXX Experian . On XX/XX/year>, a credit report was requested by XXXX XXXX XXXX XXXX. Neither of these requests were made by me. I received emails from Experian on XX/XX/year>. I then put a freeze on my credit reports at Experian, XXXX, and XXXX. I also put fraud alerts at all three places.
Product: Credit reporting or other personal consumer reports

Reported incorrect addresses names and inquiries and haven't been fixed on XXXX XXXX, Equifax, XXXX.
Product: Checking or savings account

On XX/XX/19 I noticed a check was processed though my account I immediately contacted to citizens to advise them of this fraudulent activity the first rep showed no concern stating he didn't understand since I signed the check! I did not sign any check and citizens can confirm this is not my signature if they compared to any of the hundereds of checks that I deposited the rep advised he would start a claim and that it would take 6-8 weeks for me to be reimbursed! I requested a supervisor who explained yes it would take six weeks for reimbursement I advised her I had emails from a company I purchased checks from advising my check order went to and incorrect address back in XX/XX/XXXX and the check numbers! This was the first number form the batch of missing checks! XXXX stopped payment on the remainder checks and told me I would be charged a {$35.00} fee! She would look into rebating that fee but I have not heard back! My concern is there was no lack of urgency with reversing these funds as they can plainly see this is not my handwriting I feel citizens does not protect their consumers from fraudulent activity! I cant afford this to happen at this time my husband has been out of work for 5 months and citizens can confirm the XXXX checks being deposited which is 80 % less of the income that normally goes into this account..My funds are supposed to be protected with this bank and they are not! I am beyond frustrated with the lack of concern the no protection and the time they are advising they will reverse the funds to my account! There was a check written for {$400.00}! By a XXXX XXXX are they looking to see where this person cahsed this check and where it was accepted and after this person! Per XXXX she stopped payment on the remainder checks starting with XXXX I hope she has done this! I told her I have the email for the company checks in the mail advising my checks were sent to an incorrect address hoping that would speed up the reversal but it didn't!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I recognized ( 3 ) fraudulent charges to my Wells Fargo credit card made XXXX. There was a dining charge that was declined and a {$70.00} XXXX charge was reimbursed. ( I have XXXX XXXX XXXX cell service. ) However, the company denied and added back at {$1300.00} charge for an XXXX XXXX flight on my account. 

I was on a return flight from XXXX to XXXX for work on XX/XX/XXXX, the date of the fraudulent airline ticket was purchased for, and I reported the unauthorized charges on XX/XX/XXXX upon my return. I provided my employer 's approved expense report showing I was on another flight, purchased from my newly obtained travel card, but that was declined as sufficient proof. 

I requested they reopen the case for further investigation, and I filed a police report with the XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, and sent that to the fraud department to dispute the charge. That request was also denied. 

I then re-opened the case and provided information I obtained from an XXXX XXXX representative that the initial flight charged to my card ( ticket # XXXX from XXXX to XXXX XXXX ) was a " no-show '' and a travel credit was issued to the person who stole my credit card information. I also provided the subsequent ticket purchases shown below that were made by the persons with " international '' names. The XXXX XXXX representative said for the detective and/or Wells Fargo to ask for a supervisor at XXXX. I gave both parties this information, and Wells Fargo immediately, without any further investigation, declined to do this research and they did not provide me with any additional information on their denial of my claim. 

Ticket # # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Even after providing the above and escalating my case to corporate, Wells Fargo has still not provided any tangible information that proves I made this purchase, and they have failed to adequately investigate the fraud charge, especially based on all the evidence I have provided that this was apparent fraudulent activity.
Product: Credit card or prepaid card

I purchased furniture for delivery at a later date, which I never received. The seller obviously cheated me, and I reached out to my Barclays Card company to apply for charge back. They applied charge back, but refunded the money to seller after 4 months, saying they have the proof of purchase. But I told them the items are never received, nor there is a proof of delivery. Since they messed up the transaction, they are trying to cover it up with different legal terms. I need help!!!
I asked those terms in writing, but they deny giving it to me in writing. After few months, they stopped even responding to my letters.
After a year, I finally saved some money to buy furniture again. But I Lost money, no merchandise, and Barclays messed up my credit history and peace of mind.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Received credit alert from my XXXX account that there was an inquiry into my credit for Kohls department store credit card. I did not do this. I called Kohls and they confirmed that someone applied to a credit card using my information but with the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( not my address ). I asked Kohls to cancel the card and start a Fraud inquiry. 
I then checked my credit report on XXXX and found this same address was listed for me. I did ask for it to be removed.
Product: Checking or savings account

My paycheck is deposited Wednesday by XXXX pst and has been for the past 2 years. BY Thursday XX/XX/XXXX I called Capital one bank to find out why my paycheck hadn't been deposited. I was told they were having technical issues and they did not know when my direct deposit would be posted to my account. I asked if I could stop the direct deposit and was told to talk to my employer about that. I did not receive any communication from Capital one bank and was left to find out information on XXXX and XXXX ( formally XXXX ). By Friday morning when I tried calling Capital one I was disconnected and was unable to speak with anyone at my bank. It is now XXXXXX/XX/XXXXPST and I am still unable to get in touch with anyone at Capital one and have received only one email from them stating funds would be posted by Friday morning. A copy of that email is below : Valued customer, Starting XXXX XXXX, 2025, Capital One began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers. 

Specifically, this has delayed processing of some transactions including direct deposits and Early Pay credit for direct deposits, as well as electronic payments and transfers ( ACH ).

Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. 

Once the systems are restored, we will process all deposits and other transactions that have been delayed. You will be able to see those deposits and other transactions after they have posted by visiting us online or through the XXXX XXXX XXXX app. For additional servicing assistance, please call us at the number on the back of your debit card or visit a XXXX XXXX XXXX or Caf. 

As always, we appreciate your business and apologize for any inconvenience that this disruption has caused you. We assure you that we are taking this event very seriously.
Product: Credit card

Discover canceled my card for inactivity and they did so with a complete lack of adequate warning. Since I am a XXXX, I know that this will impact my credit score as this was my oldest open credit card and it will reduce the total credit availability to me so my utilization rate will now increase. I received an email on the day they closed my account ( XXXX/XXXX/15 ) saying that my account had been closed for inactivity. When I called customer service, they said the account had already been closed and could not be reopened without new application, which defeats the point. 

When I expressed my dismay that they did not provide any notice, they said two things that I can not accept : 1 ) " Well, we sent you a letter on XXXX/XXXX/15, '' XXXX it may have been XXXX ), and 2 ) " We are not required to provide any notice. '' First of all, sending me a letter 2 days before you take action is not " notice. '' I actually still have n't received this supposed letter, but even if it had the correct address or they really mailed it, I still would not have received it in time to use the card and prevent the closure. Second, the fact that they said they are not required to provide notice really irritated me. I have been a customer of theirs for 19 years and have almost an XXXX credit score. Just because they do n't HAVE to does n't mean it is n't good business to do it. So, I told them I 'd be complaining to the CFPB because maybe they SHOULD " have to '' as it negatively impacts people 's credit score when it happens. 

I think you should make a rule that they have to provide 30 days notice before closing a card for inactivity. It also sounded like they can define the length of inactivity that warrants closure as they see fit, so I think another component of the rule should be an industry standard for what length of inactivity has to be met before closure can happen. 

Because I work in financial empowerment, I know this probably happens to a lot of people who do n't understand how it will impact them. For example, I am JUST about to apply for a HELOC and this could impact my interest rate or even my ability to get approved. Could you imagine if I were in the process of buying a home and my lender had given the typical " do n't change anything with your credit '' instructions and then this happened before closing?! It could tank the whole deal for someone. I 'm making sure that someone who can do something about it hears about it. I hope you 'll make a rule so other consumers can avoid this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter