23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I would like to file a complaint against this credit card company discover card. Ive been with the credit card company for almost 2 years and no issues. Of recently I made a purchase from a merchant, when I received the item it was expired and the company requested for me to return it for my refund. I went ahead and return the item, waited almost 1 month and never got my refund form the merchant even though the return was successful delivered. 
I then reached out the my credit card company ( discover card ) to step in and assist me since I have received my refund. Discover card open the dispute and issued me a temporary credit. After a few weeks they removed the temporary credit from my account I reached out to them to see the status they said they dont have any updates as yet so they went ahead and issue me another temporary credit as said they are reaching out to the merchant and if they dont get a response in 30 days I cant consider the credit temporary. Its been 20 months and not one single communication from discover card about my dispute & yet today they XX/XX/year> they went ahead and close the case and removed the temporary credit from my account. Not one time through out the investigation has discover card card reach out to me for evidence or explanation about my claim Yet they closed it without conducting any investigation about my dispute. Im kindly asking CFPB to step in and assist me with this unprofessional behavior of discover card! Thanks
Product: Debt collection

I am a victim of identity theft I notice a rental was open in my name without my knowledge or consent the debt is {$2400.00} i am seeking legal action against the person who did this I am working with the local sheriff department to catch the individual who committed fraud in my name I have filed a police report
Product: Consumer Loan

My monthly payment for my car is {$390.00}. On the payment form is a space for " Additional Principal '' so in XXXX I wrote " {$300.00} '' and sent a check for {$690.00}. They applied the extra amount as a partial XXXX payment of Principal and Interest, and have sent me a bill due on XXXX XXXX for {$480.00}, which the operator said includes a penalty for paying part of XXXX " late. '' In other words, it will be late by XXXX XXXX. I asked over the phone to have the {$300.00} applied to principal, and she said the only way that would happen in the future if I cleared it on the phone BEFORE I sent it. I repeat, the bill has a space to fill in " Additional Principal. '' I wish I had the money to just pay this off so that these folks never earn another dime on me.
Product: Credit reporting or other personal consumer reports

Disputing the same accounts for 3 months Despite my previous attempts to resolve these 21 accounts inaccuracies, Experian continues to report unverifiable, incomplete, or inconsistent information on my credit file. I am invoking my rights under the FCRA ( 15 U.S.C. 1681i ) and request a thorough reinvestigation of the disputed items to ensure compliance with federal standards.

Previous disputes I submitted resulted in vague or generic responses that failed to clarify what information was verified, updated, or left unchanged. This aligns with allegations in the CFPB lawsuit regarding Experians inadequate reinvestigation processes and ambiguous results letters. 

Subject : Formal Dispute Regarding Systemic Inaccuracies and Incomplete Information on My Credit Report.

Dear Experian Dispute Department, I am writing to formally dispute 21 inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against Experian ( Case No. XXXX ). 
Specifically : 1.Experian responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 

2. Failure to Forward Relevant Information to Furnishers : Experian has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding Experian 's neglect in transmitting accurate dispute details to furnishers. 

3. Unclear or Misleading Dispute Outcomes : The results of your reinvestigations are ambiguous and do not provide sufficient details about the updates or lack thereof, leaving me unable to determine the resolution.

To comply with the FCRA and rectify the inaccuracies on my credit report I demand the following : 1. A thorough reinvestigation of the disputed items, including all supporting documentation I have provided. 
2. A detailed written explanation of the reinvestigation, explicitly identifying any updates or reasons for the disputed information remaining.

3. Immediate removals of any inaccurate, incomplete are unverified information on my credit report.

I have attached copies of relevant documents, supporting my dispute.

Please be advised that under the FCRA, you are required to complete your reinvestigation within 30 days of receiving this letter. Failure to comply with FCRA standards, as highlighted in the CFPB lawsuit, will result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ) or potential legal action. 

Thank you for your immediate attention to this matter. I look forward to your response within the mandated time frame. Please confirm receipt of this dispute letter and provide an updated credit report reflecting the corrections or deletions.
Product: Credit reporting or other personal consumer reports

According to Section 605 ( a ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( a ) ), consumer reporting agencies are prohibited from reporting accounts that are past the seven-year reporting period from the date of first delinquency. Based on my records, the first delinquency on this account occurred prior to XX/XX/year>. Therefore, if this date is accurate, the debt is past the allowable reporting period and should be removed from my credit report. 
Furthermore, this account is labeled as open under the collection agency, which is misleading. Section 607 ( b ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) requires that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. Reporting the debt as open could incorrectly imply it is a revolving or active credit account, rather than a collection account, thereby misrepresenting the true nature of this debt. 


Ive reached out to Transunion, the bureau in which this information is being reported with no success and also XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message reaches you promptly. I am writing to urgently request the immediate removal of old items and also the new fraudulent items that have appeared on my credit file. 

Despite previous attempts to rectify fraudulent entries on my credit report, I have discovered new fraudulent items that have recently emerged. This situation is deeply concerning and requires urgent attention to mitigate any further damage to my financial standing. 

I urge you to escalate this matter and take immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that we address this issue swiftly to prevent any adverse impact on my creditworthiness and financial stability. With this, I am asking for your assistance to remove these fraud items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have asked them for a detailed list of payments made by me on the debt. I asked to see the signature that i signed on the contract guaranteeing that i would pay for this creditor. I also asked to see if there has been any insurance claim file on this debt and if there is i want the 1099C sent to me. And Lastly, I wanted to see they have proof of chain of the title to collect on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the creditors for the removal of these fraudulent inquiries on my report and haven't had anything but empty promises to remove. I have also sent a previous FTC report over to XXXX and they suggested to do an updated report to include these inquiries specifically. So I would like to report and remove all inquiries dated XX/XX/2021 ( XXXX ) to XXXX XXXX XXXX ( XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Mortgage

I am opening a 2nd case as the first case opened with CFPB ( XXXX ) which was closed and 1 ) My mortgage company ( Mr. Cooper ) did nothing except to send the exact same data from their initial letter they had sent to me initially notifying me of the increase ; and 2 ) The contact XXXX XXXXXXXX  ( the contact from the response from Mr. Cooper Mortgage ) Company did not respond to numerous email and phone messages ( on XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX and XX/XX/XXXX and emails ( XX/XX/XXXX and XX/XX/XXXX ) ; and 3 ) Did not provide an thorough review to justify the increased monthly payment. My Home owners insurance went up with the last company and I received a decreased monthly payment as well as a refund from the previous year. 

Mr. Cooper Mortgage Company needs to provide a thorough and complete detailed escrow analysis ( Re-evaluation ) justifying this excessive escrow and hence increased mortgage payment. I had also asked repeatedly in my final message to tell me how to remove the escrow account so I could pay the insurance and taxes myself and the point of contact given does not respond to emails or phone calls! I twice told him I would be opening up a new case if no response was received. 

My taxes did not increase enough to justify this increase and the insurance is the same as it has been for going on XXXX  years. See attached previous XXXX XXXX escrow analysis.
Product: Checking or savings account

The Company in question " Optum Bank '' is a Financial Health Services company that handles our HSA. As of right now we have 9 requests for reimbursement from our HSA that has been marked as " Stop Pay '' by the company. This has been the third consecutive time this has happened and each time we have contacted the company to find out the problem. Each time we have been told that the problem has been handled and to resubmit the requests and it should go through however every 24 days it returns to being labeled as " Stop Pay ''. The HSA account itself has {$2000.00} in it and should easily cover the accumulated {$770.00} cost of the reimbursements. We had first applied for these reimbursements in early XXXX of XXXX  and are coming into the forth month of struggling with this.
Product: Credit reporting or other personal consumer reports

XXXX has furnished information continuously knowing that the information is in fact inaccurate and false and misleading. I have never gave consent nor permissible purpose for experian to furnish information onto my consumer report and especially didnt give them consent to share my personal financial information they have violated many consumer protection laws. I am seeking legal remedies and compensation for damages and actual damages.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is shown inaccurately on my credit reports In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX   and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts which appeared on my credit report without notifying me first.. I have never dealt with these people in the past..I don't know who they are.. I asked Equifax where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX, XXXX XXXX XXXX XXXX, ( Original Creditor : ) XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

Barclays closed my credit card for no good reason. I have a credit score of XXXX according to them. Their reasons are weird. It brought down my credit score also. I have rewards which can not be used now. 
I was provided no notice or warning before Barclays did that. 

Tried calling Customer service XXXX twice. After successful verification, call getting disconnected. Sent the fax to XXXX regarding this.
Product: Checking or savings account

My personal information ( identity ), debit cards and multiple credit cards were stolen with my cellphone on the night of XX/XX/2019 my chase accounts were accessed fraudulently and my account info was changed without my permission or knowledge in regard to my pin, atm withdrawal limits, overdraft protection, and online banking login credentials. A blonde female unknown to me wearing green accesses my account at atm at XXXX XXXX XXXX XXXX XXXX La and made 2 withdrawals in the amount of {$200.00} and {$800.00} at approx XXXX and XXXX AM morning Of XXXX XXXX. Local police have provided me with image from ATM from Corporate Security ( image has been attached with this complaint ). I have reported these fraudulent transactions to Chase multiple times and I have submitted two police reports in regard to the above. In addition to the unauthorized atm withdrawals, Multiple individuals including the blonde female in green and two other gentlemen were noted in XXXX police report submitted to chase bank using my stole. Credit and debit cards at approximately XXXX AM the morning of XX/XX/2019. Chase has determined that the debit and credit card charges made were fraud but indicates the atm withdraws total of {$1000.00} were correct. I did not make, permit, or authorize any atm withdrawals by any individuals. And I did not make the atm withdrawal. I have photo showing gurl in green making the atm withdrawal provided by XXXX XXXX police officer detective XXXX XXXX.
Product: Credit reporting

XXXX, Account # # XXXX. 
After a thorough review, it 's my understand per the attached correspondence from XXXX dated most recently, XXXX XXXX, 2016, that pursuant to the request of XXXX XXXX, 2016 ; Equifax was advised to correct the records to read as, '' closed due to bankruptcy, paid in full or paid as agreed ''. As such, as you can see from XXXX correction of XXXX, 2016 via the CFPB, that the corrected status based on standardized credit reporting codes are simply ; Closed, paid as agreed/paid in full ''. 
The creditor in reference here, is not reporting your coded " In Payment Plan ''. In fact, the attached written reply from XXXX ; confirms that XXXX was never included in my bankruptcy, notwithstanding that said bankruptcy was discharged on XXXX XXXX, 2016. 
Please correct/delete the above mentioned agency adverse reporting with immediate effect. 
Please confirm this correction in writing. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding several collection accounts listed on my credit report. I previously requested validation of these debts under the Fair Credit Reporting Act ( FCRA ) and have not received sufficient documentation proving they belong to me. 

The following accounts are in question : XXXX XXXXXXXX XXXX {$730.00} ( Opened : XX/XX/XXXX ) XXXX XXXX {$910.00} ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$1100.00} ( Opened : XX/XX/XXXX ) XXXX XXXX {$1600.00} ( Opened : XX/XX/XXXX ) XXXX XXXX {$1900.00} ( Opened : XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX XXXX XXXX, FLXXXX ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX  XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$100000.00} ; XXXX XXXX Balance Owed : {$880.00} ; XXXX XX/XX/2022.
Product: Checking or savings account

On XX/XX/23 I tried to use my HSA debit card at a dental office and again the same day at a dermatologist office - neither could process the HSA debit charge and paid out of pocket. I called Optum Bank on XX/XX/23 while at the dental office and was first made aware that Optum Bank HSA inactivated my card a while back and sent replacement cards. I told Optum I was NOT given notice or made aware of this before they deactivated the account nor did I receive a replacement card ; ending that call they ordered a new card. I received the new card on XX/XX/23 and activated it by calling the number on the sticker on the new card on the afternoon of XX/XX/23. Two days later, on XX/XX/23 I tried to pay for prescriptions ( about {$100.00} ) with the new card, but got a denial code : " Debit not available appr. code = XXXX '' I called Optum again while standing at the pharmacy checkout counter and waited for nearly an hour on hold to talk to a supervisor who could only apologize for the inconvenience... WHAT? This is more than an INCONVENIENCE!!!! I could not pick up my prescriptions. When I got home I logged into my account and it shows a very old card number, not even the most recent card number and certainly not the new card received XX/XX/23. I am beyond frustrated!!! Optum is WRONGFULLY withholding this acount holder access to their funds!! I want to transfer this account to another HSA account ; Optum Bank is acting unethically and illegally.