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

These are the hard inquiries ( & dates ) that are not made by me : XXXX. XXXX XXXX XXXX XXXX XXXX. TXXXX 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 Also, I have never opened any account with XXXX, XXXX, and XXXX XXXX XXXX. My credit report shows accounts with these banks that needs to be removed. Please see attached list of accounts that are not mine and showing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Money was taken from my account with cash app and cash app charged me overdrafts and blocked me instead of investigating the claims. Caused me thousands in damage not to mention the thousands I couldnt reclaim.
Product: Debt collection

I don't know who this is or what this is all about but I keep getting these phone messages from someone named XXXX from an ( XXXX ) XXXX phone number saying that legal action will be taking place and I will be arrested for so debt I know nothing about. I've never received anything in the mail and this man has contacted my ex-husband.
Product: Mortgage

Submitted an application on XXXX ( # XXXX ) with aim loans. Have not received any disclosure or loan estimates. They asked for the signed contract which I provided, they asked for a new ETA for XXXX which I also provided a few days ago. Still no response to my emails.
Product: Bank account or service

trying to log in to my bank for almost week. I called 3 times and get the same XXXX XXXX people are aware of the problem, and they are working on it.. I need to get in to my accounts. I have to pay bills etc. I do not think that their issues should affect me..
Product: Debt collection

I am being charged for XXXX XXXX XXXX  which I have never signed up for. Back in 2021. I am checking my credit and noticed it. I have never gave my social security number to this company or any other information.
Product: Credit reporting or other personal consumer reports

Re : Formal Complaint Regarding Experian 's Failure to Investigate Inaccurate Information Dear Sir/Madam, I am writing to formally file a complaint regarding Experian 's failure to conduct a full and fair investigation into inaccurate information being reported on my credit file. I am a victim of the XXXX data breach, which has led to identity theft, and as a result, my credit report is being damaged by incorrect and fraudulent information that should not be there. 

Despite my attempts to address these issues with Experian directly, they have not provided adequate investigation or resolution to the inaccuracies. In particular, the following issues are negatively impacting my credit score : 19 Inaccurate Addresses Experian is reporting 19 addresses on my credit file, none of which I recognize. I only reside at one address, which is XXXX XXXX XXXX XXXX XXXX, FL. The other addresses listed do not belong to me and I am unaware of them. 

Inaccurate Accounts Experian is also reporting the following accounts, which I do not recognize or authorize : XXXX  ( Opened XX/XX/XXXX ) XXXX XXXX  ( Opened XX/XX/XXXX XXXX XXXX ( Opened XX/XX/XXXX ) XXXX  ( Opened XX/XX/XXXX ) XXXX XXXX ( Opened XX/XX/XXXX ) XXXX  XXXX ( Opened XX/XX/XXXX ) hese accounts were opened fraudulently as a result of the identity theft linked to the XXXX breach, and I have taken steps to report this to the necessary authorities. 

As a victim of identity theft, I am entitled to protection under Fair Credit Reporting Act ( FCRA ) provisions, specifically Section 605B and Section 1681a, which require credit reporting agencies to block inaccurate information that is the result of identity theft. Despite this, Experian has failed to block this erroneous information or properly investigate my dispute.

I kindly request that the CFPB investigate this matter and take action to ensure that Experian fulfills its legal obligations to correct my credit file and cease reporting any fraudulent information. I would appreciate it if you could follow up with Experian to enforce my rights under the Fair Credit Reporting Act and ensure my credit report is updated accordingly. 

Thank you for your attention to this important matter. Please feel free to contact me if any additional information is needed. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency, I am writing to request the correction of an error on my credit report regarding my student loan account with the U.S. Department of Education. The account has been fully paid off for several years, yet late payment marks continue to appear on my credit report, which is adversely affecting my credit score.

I request that these erroneous late payment marks be removed from my credit report immediately. The loan was paid off in full, and there have been no late payments on this account since its payoff. This information should be accurately reflected in my credit report with the major credit bureaus ( XXXX, XXXX, and XXXX ). 

I kindly request that you investigate this matter and provide written confirmation that the late payment marks have been removed from my credit report. Furthermore, please ensure that the updated information is promptly reported to all three major credit bureaus. 

Thank you for your attention to this matter. 

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

My name is XXXX XXXX. On XX/XX/XXXX of XXXX I was reviewing my credit report, right on my birthday, as I wanted to open a business checking account, and my XXXX XXXX was showing XXXX and XXXX scores XXXX and XXXX points accordingly. I will attach pictures of those scores as of XX/XX/XXXX. Next, I went and checked my experian score and it was XXXX points I have noticed that there is an account reporting ( XXXX  XXXX XXXX XXXX ) ( Account # XXXX ) ( open date : XX/XX/XXXX ). I have no knowledge of this account and its negatively affecting my credit rating. This account is CLOSED and it is only reporting on Experian, as of XX/XX/XXXX. I have no knowledge of this account and there are several errors and incorrect information. There is no complete payment history reported and its NOT matching across the XXXX bureaus. I have asked Experian to investigate on this error and it has been over 60 days and nothing was updated. The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 
In accordance with the Fair Credit Reporting act, this XXXX XXXX XXXX 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.

I have never given any authorization for this account to be reported on my Experian credit report.

Attached are all the supporting documents from credit bureaus, and FTC identity theft report.
Product: Credit reporting or other personal consumer reports

Someone used my personal information to obtain an Apple Card without my authorization in XX/XX/year> and it was closed in XXXX. I overlooked the information until after the account was closed because the 3 credit bureaus did not report any hard inquiries before. I thought that Goldman Sachs ' fraud prevention measures had been activated thereby closing the account, and with no hard inquiries recorded on my credit report, the credit freeze had been turned on, so no further action was taken. However, I was unaware that the card had generated a large number of fraudulent purchases and had been delinquent in some way before it was closed, and that Goldman Sachs Bank, which issued the card, had not reported this information to all XXXX credit bureaus until XX/XX/XXXX when Goldman Sachs submitted the delinquent unpaid amounts to 3 credit bureaus. This has caused my credit score to suffer greatly. The FTC report will be attached.
Product: Checking or savings account

On XX/XX/XXXX received a letter stating that my account was being closed due having an overdrawn amount for an extended amount of time. Also in that letter stating, " Now that the account is closed, you may not reopen it. All services tied to it will also be closed or canceled. This could include your debit card, funds transfers, bill payments and overdraft protection. If this account is used to protect another account from overdrafts, be sure to set up a new account for protection. Outstanding checks and other transactions that come in after the account is closed will generally be returned unpaid. We may reopen the account to accept a debit or credit and will notify you if we are required to reopen your account to accept such a transaction. '' ( My account was overdrawn due to fraudulent activity on my account which I am still disputing with the bank. I filed an appeal and called in several times seeking information on how the bank came to their decision against my dispute ) I received a refund deposit into that checking account on XX/XX/XXXX for {$780.00} which the bank did not send to me. On XX/XX/XXXX and XX/XX/XXXX I received two more deposits which went to my closed account which the bank refused to send to me, instead they reopened that account and deposited them into the checking account to cover the fees on the account. I did not authorize the bank to do this, instead I requested the deposits to be sent to me. 
Seeing the fact that I had fraud on my account which caused it to be overdrawn with fees and closed I don't believe that I should have to endure losing money while the fraud is still in dispute. If the bank account is closed and there is a balance owing, and just like any other creditor, I should be able to control where my money goes. The funds that I have lost thru these deposits has made a signifiant impact on my life. I am on SSXXXXI as my main source of income. I do not have job or regular source of income. At the time of this happening I was on unemployment. The deposit that came in were to help pay for my basic needs to survive. 
Recently a bank representative reached out to me with the title of Bank Advisor stating they work close with the CEO 's office and they were going to look into my account. It's been almost a year since this account has been closed and there is no reason that any of this should be happening. 
I intend to reach out to the FBI to provide them with the proof the bank was unwilling to take from me showing communication I had with the person whom scammed my account and any other agency I can in the hope that I will no longer be negatively affected by this seeing that I was the target of a scam and was victimized.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a Follow up to my complaint last XX/XX/XXXX, XXXXto update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/XXXX I booked two online tickets with XXXX XXXX ( Locator # XXXX ) for a round trip to XXXX with a departure the XXXX of XXXX from XXXX to XXXX XXXX ( XXXX # XXXX ) and a return on the XXXX of XX/XX/2020 from XXXX to XXXX ( XXXX # XXXX ). The transaction was done in the morning and within minutes I cancelled this reservation by calling directly XXXX to make sure it was done in properly manner and in order to make sure was within the XXXX grace period the airline has in their policy to provide full refunds to the credit card. To this day, XX/XX/2020 no refund has being generated from XXXX to my American Express platinum card and they ( the airline ) claims they never processed the payment. American Express, in the other hand, claims the airline processed the charge of {$1100.00} to my account. 
At this point Iam in the middle of all with a violation to my rights as a consumer that wanted to follow the rules of the airlines fully to be able to do things right. 
American Express after lengthy investigation during disputed charges closed the complaint and are ready to reflect that full amount aforementioned in my next billing cycle. 
Please help me in this matter as it is money that I rightfully believe should have not been charged at all. 
If you need further information please dont hesitate to contact me and I will gladly provide documentation. 
Sincerely, Consumer
Product: Credit reporting or other personal consumer reports

Equifax is still reporting inaccurate information on my credit report, which is not in compliance with 15 U.S.CODE 1681 Fair Credit Reporting Act. These addresses, names and employers do not belong to me.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters..
Product: Credit reporting or other personal consumer reports

Regarding Whom It May Concern : I am submitting this letter to challenge an unlawful inquiry that was made on my credit report. I was wondering about a XXXX XXXX XXXX to pay some bills, I never got the loan and I HAD NO IDEA THAT IT WAS GOING TO BE AN INQUIRY ON MY CREDIT.
Product: Debt collection

I sent a validation letter asking them to verify to me to see if I owed the debt on XX/XX/XXXX and they never responded back so on last week on Friday they sent me another notice via mail and someone else asking for money and I never did business with them at all they demanding money and I dont know who this company are.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX, Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of Experian to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The PAANL underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : XXXX : XXXX marked as 30 days late, although previous payments were timely. 
Experian : Similarly, XXXX indicates a 30-day late status despite consistent timely payments. 
XXXX : Records a 30-day late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite two previous disputes with Experian and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability.

Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

Macys made a change to their credit card online payment system, it is now supposed to go to DSNB ( Department Store National Bank ). Instead, when you click the link to make a payment it brings up an error page saying " Time to Give Us a CallPlease contact Customer Service at XXXX. '' Calling the number takes you to a XXXX minute or more hold after which the service person says you need to go online to make account changes because their system is being upgraded. Macys will then charge late fees and interest. This same issue is being reported by XXXX of people on social media and has apparently been going on for several weeks.
Product: Checking or savings account

There is currently a billing error in my Chase Bank account in the amount of - {$47.00} dollars. Account numberXXXX
Product: Checking or savings account

Company stated exact words " was forced " to take funds that were not available out of my account because the company kept trying and failed to contact me and give notice to the unauthorized charge so now account is negative a ridiculous amount that was said it's nothing they are able to do.
Product: Credit card or prepaid card

This is not the first time. 
Citi provides the return protection, and I filed a claim on XX/XX/2019. I receive the email acknoledging receipt of documentation. 
The email states I should hear back in maximum 14 days ( 2 weeks ).

It has been already 3 weeks, with no updates.
Product: Checking or savings account

I used XXXX to search for term life insurance. They found me a policy with XXXX and I was supposed to sign up. XXXX got my payment info and told me the company would send me the policy in the mail. When I got the policy I noticed it had accidental insurance instead of term life so I told them I didn't want the policy. XXXX said they would take care of it but I continued to be billed. I called them back and they said they would look into it. I finally gave up and reached out to XXXX myself to see why they were taking money out when I said I didn't want the policy. They said they never knew I didn't want the policy and had me fill out the paperwork to explain what happened. Then they said they don't do refunds but if I reached out to my bank they wouldn't dispute them getting the money back. I reached out to SoFi ( Social Finance, LLC ) which is my bank and they refused to investigate the matter. They claimed the charge was valid even though I informed them that I had no policy with this insurance. I was charged {$67.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like my money returned to me ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit agencies does not have my written or verbal consent to obtain or sell my information regarding my bankruptcy file in XX/XX/2015 with the US BANKRUPTCY COURT-XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX. They are illegally giving out my personal information Per the Bankruptcy Court has no interaction with credit bureaus, including Equifax, XXXX, and XXXX. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.
Product: Checking or savings account

My account is currently locked for online banking, and I need assistance to unlock it and transfer the existing funds to my XXXX bank account. 

I was an XXXX XXXX during XX/XX/XXXX- XX/XX/XXXX and no longer reside in America. Additionally, XXXX XXXX XXXX XXXX American citizen and do not have the American phone number previously linked to my account. I called up Bank of America in the later part of XXXX to customer service, They where unable to verify my Identity as I do not have the American mobile number linked to my account nor did I have my International XXXX number linked the account. 

Their advice was to just keep calling to try get another security question but after 10 attempts I still am asked for my authentication via the app or mobile number. They have been unhelpful in directing me to a department that can deal with international banking issues. Their other suggestion was to " Just go into a branch '' This is completely unreasonable as I do not live in the country, XXXX XXXX XXXX XXXX XXXX of the United States ( would require applications of visa/very large expensive to travel ) and Bank of America does not have any consumer office in XXXX. 

It is my understanding that the cause of the account lock was an attempted international transfer to my XXXX Bank account ( XXXX ) As I now reside in this country long term. I attempted this transfer on XX/XX/XXXX to XXXX bank but I did this without the knowing that there was a 3 day waiting period for International transfers to this bank.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4800.00}