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

I have been working on my XXXX credit profile and I noticed there is an incorrect addresses and first names on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT names that should be deleted are XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX XXXX. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

Filed a dispute with my bank they refused to give me my XXXX $ back and actually investigate this incident my card was stolen and was used without me authorizing anything I have been waiting for almost a month with no type of answer can I please get my money my card was used
Product: Credit reporting, credit repair services, or other personal consumer reports

Your information is inaccurate. I do not recall having a bankruptcy on the date you are reporting and there is a blank field making your information incomplete as well. Your public record information is often inaccurate, which is the case in what you are allowing on my credit report. You are allowing slander on my credit report. Your butts need to be sued if you do not remove this from my credit report. Delete this immediately! 

XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2016 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2018 I mailed a letter to this credit bureau requesting investigation on several accounts including accounts from XXXX XXXX and XXXX. However nothing seems to have been done. For my XXXX XXXX   account XXXX, there has been fraudulent charges applied on the account. I sent XXXX XXXX copies of my FTC and Police report and send this credit bureau a letter an a copy of the FTC and Police report and they failed to delete the account and violated FCRA 605B. The XXXX account is also reporting incorrect balance and and status investigation still shows in progress per credit report I downloaded XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a debt off that showed up on my credit report in XX/XX/2020. I did not make this debt, however it was paid off due to the numerous disputes and no change. I have a copy of the receipt yet, it was never reflected on my credit report as paid. The initial company was XXXX XXXX XXXXXXXX XXXX XXXX XXXX The debt was bought by national credit adjusters. The debt was paid as noted on the receipt attached to this claim. It needs to be reflected on my credit reports on all three bureaus. Its been almost a year since I paid and no change. Its been disputed several times and when it comes back from the credit bureau it does not reflect paid. The credit Bureaus refused to change, despite me providing proof of payment. This needs to be fixed ASAP, I have spent so much money disputing this when it should have been fixed a year ago.
Product: Debt collection

On XX/XX/2023, I missed a call from one of the XXXX XXXX XXXX agents, XXXX XXXX, whose contact number is XXXX. 
Subsequently, XXXX XXXX contacted my father and my step-mother. During his conversation with my father at XXXX, XXXX XXXX inappropriately disclosed confidential information pertaining to the account, the debt owed, when the loan was taken out, including specific details about the situation. My father promptly relayed this sensitive information to me, and I immediately contacted XXXX XXXX to voice my concerns regarding this unlawful release of private data. 
In response, XXXX XXXX indicated that my father had stated he was managing my financial affairs, which is not the case. Furthermore, my father had recorded the conversation with XXXX XXXX on XX/XX/XXXX, capturing the unauthorized disclosure of account information. 

Theagency 's website explicitly affirms its commitment to adhering to the regulations governing the collections industry, including the Fair Debt Collection Practices Act. It clearly states, " Please be aware that we will need to verify account holder identity before discussing account details. '' XXXX XXXX 's actions in revealing account details to my father without any verification of account holder identity stand in direct violation of these principles and are wholly unacceptable and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 i looked at my consumer report and was immediately frustrated with the 15. U.S.C 1681n willful non compliance to my disputes and complaints, I have submitted to CFPB, TransUnion, XXXX XXXX XXXX. XXXX, XXXX & TransUnion STOLE my information committing FRAUD by reporting such hernias things on my credit profile. This has cause me great stress. I demand these items be removed from my credit profile immediately or I will seek litigation and 15 U.S.C. XXXX Civicl Liability for EACH violation. I have not given TransUnion, XXXX or XXXX permission to disclose ANY information per 15 U.S.C 6802 on my credit report. Under 15 .U.S.C 1681 ( i ) states ALL reported information HAS to BE 100 % accurate.
Product: Mortgage

We were forced into a short sale on our home in XXXX after refinancing our mortgage with Wells Fargo at a 9 % interest rate and over {$25000.00} in fees. This was advise given to us by a mortgage loan officer at Wells Fargo and he assured us that we would refinance ( again ) at a much lower rate in 6-12 months and that the high interest rate and payment amount were only temporary. That didn't happen because our home value dropped significantly after the bubble burst in XXXX ( our home appraised at $ XXXX more than it was worth when doing the refinance only a few months before ). We made every effort to keep up with our exurbanite payments each month along with our real estate 's tax and insurance premiums but after several years, we just couldn't do it anymore and the only option was a short sale or foreclosure. We opted for a short sale and closed in XX/XX/XXXX. We also wound up renting a home for more than the market called for because our credit scores were so low because of not making our payments on time, leading up to the short sale. We feel this was a rouse by the lender at Wells Fargo because he was paid commission based on the interest rate and fees charged and that this falls under the unfair practices {$3.00} billion settlement reached by Wells Fargo in XX/XX/XXXX. We have not been contacted by Wells Fargo directly as it suggests in the media, therefore, we are submitting this complaint to the CFPB.
Product: Credit reporting or other personal consumer reports

I

recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit card

I am a partner of a startup based out of NC. For all startups funding is an important factor. We chose AMEX for its reputable brand. So we thought We filled out the business application online at the end of XXXX, beginning of XXXX, was approved for The business Gold card in the amount of {$20000.00}, in which I had to be a personal guarantor. Everything was good so far. We are a bootstrapped women  operated and owned firm so funding is a challenge for any business. We have a client we worked on for about a month. Secured them to send a contract. Went to check to make sure AMEX was ready to perform and the credit was reduced to {$500.00}. Our costs to that client are {$12000.00} to {$15000.00} with an immediate return of {$27000.00}. First client, first huge client. The offer of a {$200000.00} year in profit from this one client was made. AMEX threw us under the bus for this is a trial run. We are devastated. Our clients rely on our word as we do in the office. We are disappointed AMEX didn't keep theirs. 

When I reached out to AMEX, I was able to connect with a specialist who provided some insights, although he acknowledged that the situation seemed confusing. He informed me that, upon approval, there's a 48-hour window to utilize the balance ; otherwise, it would be adjusted. I expressed my concern, explaining that this presented an issue because AMEX typically takes about a week to send out the card for activation before it can be used. This was unexpected and quite misleading, especially considering the reputation of a company like AMEX. We would like to rectify this anyway possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recognized fraud inquiries on my account, and would like them removed. I have filed complaint with Identitytheft.gov and have recieved FTC report. The following inquiries are from equifax, and XXXX. 

Equifax : XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX : XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX
Product: Debt collection

I have made contact with XXXX, XXXX and XXXX for the past four months in 30-35 days via certified mail and phone calls. I have requested all three ( 3 ) credit bureaus to remove the following data and my rational on why the data should be removed : I sent certified mail to XXXX XXXX XXXX, on XXXX/XXXX/XXXX, XXXX certified receipt # XXXX, and another certified letter on XXXX/XXXX/XXXX, XXXX certified # XXXX, which was return. On XXXX XXXX, XXXX, I sent XXXX XXXX XXXX, who represents XXXX XXXX XXXX and utilizes to different addresses a certified letter to both address XXXX certified # XXXX and XXXX which this XXXX XXXX XXXX and XXXX XXXX XXXX failed to respond in accordance with the 30 days timeframe allow per the FCRA. I then had to file a complaint with the CFPB, and these organizations still failed to provide any type of document/contract bearing my signature show this debt belongs to me. Therefore, I am requesting all three credit bureaus delete this account from my credit reports immediately due to the following : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX did NOT respond to my validation request. 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to report my dispute to you. 3 ) XXXX XXXX XXXX verified this account with you after receipt of my dispute certified letter, and phone call to XXXX XXXX XXXX, dated XXXX/XXXX/XXXX, who is a management representative for XXXX XXXX XXXX. XXXX ) Please provide the verification data : WHEN, HOW and by WHO was this account verified? And according to the XXXX, XXXX and XXXX  credit reports this information is " accurate and has been verified. '' 5 )  On the XXXX credit report the debt is listed twice ; which is inaccurate. Should XXXX, XXXX, and XXXX verify this account again in spite of the certified letters received from me disputing this information as not belonging to me, and this CFPB complaint I will seek legal action against each organization if this account remains or my credit report. Please furnish the detailed description of your investigation. Please Note : I have asked XXXX XXXX XXXX and XXXX XXXX XXXX to provide me with a contract or agreement bearing my signature showing this is indeed my debt and XXXX XXXX XXXX and XXXX XXXX XXXX have failed to provide this information for the past two months
Product: Credit reporting or other personal consumer reports

I have somethings on my credit report that should have never remained on there once properly investigated. I disputed a XXXX charge on my credit account because I was a minor when I resided with my mom at her residency. I have explained this so many times and even call the office and the credit ( Experian ) failed to do their due diligence by investigating my dispute. I am a young hard working Individual with a bright future, but expieran fails Everytime to make things right for me. I demand my account be taken seriously and that I will have that disputed off my credit report. Also they are not checking for errors, notations, or how people are reporting accounts, which causes havoc. If accounts are reporting misinformation, errors, and as well as not enough documentation then it should never go on your credit report.
Product: Checking or savings account

I have an account with Bank of America. Additionally, I have XXXX  college age children with accounts at BofA, all associated under my name. My XXXX year old daughter XXXX had a number of transactions hit her account over several weeks time. The bank did not pay these out because it would put her account into an overdraft. However, the bank did assess overdraft fees on her account, putting her into overdraft. There were a total of 23 fees  assessed for {$800.00}. To make matters worse, the bank took money from my sons account, even though he had nothing to do with my daughter. So he is now short over {$870.00} in his account. I did try to reason with 6 different people at Bank of America. They will not reverse these charges. I need your help because this is wrong and unfair!
Product: Credit card or prepaid card

My XXXX statement from Best Buy had a charge on it that I did not make. I called the company and explained to them about the charge. They said they would investigate. On XX/XX/XXXX I received their findings by mail. Even though I do NOT know the lady that made the purchase, her mailing address or her email address, Best Buy said I was still responsible for the the purchase, which was for two watches bought from XXXX XXXX on XX/XX/2022 in the amount of {$1100.00}. None of the lady 's info is linked to my credit card and I never gave her permission to make the purchase. I don't think I should have to pay for something I didn't buy or authorize someone else to buy. Any help or info would be appreciated. 
Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX. MO XXXX
Product: Credit card or prepaid card

Received letter dated XX/XX/XXXX stating my account was closed. Stated possible reason ( s ) account was closed were Low Payments, Insufficient Time Since Account Was Opened, High Utilization On Account or Delinquency In Last 6 Months. None of those factors applied to my account. I made the REQUIRED payments per the billing statements. I did just open the account in XXXX of XXXX but had used the card frequently for home improvement projects. I also paid off the original entire balance we put on it. At the time of closure, I had more credit available than I owed, so I am not sure high utilization applies here. Not to mention, I was never late on a payment. When I reached out to customer service, I was told it was a Credit Bureau decision, but in the XXXX response to my XXXX  complaint it was stated the decision was based on an overview of my account and not my credit file. I also filed a XXXX  complaint requesting specific details/documentation/dates showing exactly what was used to come to that decision. Not only did Synchrony not provide details or specifics, they did not even respond to the original XXXX  complaint by the deadline. They responded 6 days later! Their response was scripted, generic and ambiguous and felt more like they were deflecting and making excuses. I informed the XXXX that I did not accept the response and again requested detailed information and specific events that led to the decision. In the rebuttal from Synchrony, it was more scripted, generic information. All I ask is specific details ; what threw up the red flags to close my account. I also feel that the reasons outlined are false, basically bold face lies and I think as a consumer I deserve the company to act professionally and provide me with the requested information. It is concerning that all I get is generic, scripted responses and the company seems to have no accountability. I do not want to re-open the account or anythingI just want the truththe facts! If I can not be provided details, it lends itself that Synchrony is acting in a fraudulent manner.
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

LEGAL ACTION BUREAU has violated my rights. 
15 USC 1681 Section 602 A. States I have the right to privacy.

15 usc 1681 S-2 ( a ) ( 1 ) 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.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the followingitems of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please delete this account thank you.
Product: Debt collection

I'm being harassed and defamed by debt collections agencies and merchant XXXX. A year or more ago A debt collections agency contacted me about the account and said it was sold to them. The collection account was disputed, I sent the receipt emailed to me from XXXX a year or more before, after I closed the account, I am not sure if the collections was settled. Now I have been rebilled for the account from a collection agency.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Student loan

I received XXXX from the XXXX for student loan forgiveness. Fedloan Servicing agreed to apply the amount to my loans and set it up so that I would not have to pay again for 4 years. I have made numerous calls to them and they tell me everytime that it is fixed but they still show my account as in forbearance and I can not see where the money was applied on the website. I have emailed them as well but they do not respond. I am now trying to purchase a home but this is causing an issue now.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN has consistently misreported my credit usage! After bringing my credit card balances down to below 30 %, EXPERIAN has not changed my credit usage in 3 MONTHS!!! This is wrong and a violation of the Fair Credit Reporting Act. EXPERIAN NEEDS TO CORRECT THIS IMMEDIATELY or I will file a complaint with the Attorney General 's Office in the state where their corporate office is located. They have 30 days to correct this then I will file an additional complaint.
Product: Credit reporting or other personal consumer reports

Equifax willing and knowingly in violation of the FCRA by illegally reporting accounts.

1. FCRA 15 USC 1681 ( a ) Accuracy and fairness of credit reporting Acct # - XXXX Floridas Statue debt collection is 5yrs I did NOT give Equifax written instructions to provide my personal information. They willingly and knowingly did not update my current address to report this account. That is Not certification for permissible purpose acct # - XXXX XXXX XXXX XXXX 2. 15 USC 1681 ( b ) Permissible purpose- ( a ) In general any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX Illegally reporting reage account and violates the Florida Statue of Limitation ( 5yrs ).

Equifax used deceptive means in reporting this account knowing they have been reporting it since 2019. 

I will seek remedy XXXX per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Inability to obtain a business 6. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Mortgage

My dad passed away in XX/XX/2017. There is a beneficiary deed on file that names my XXXX brothers and myself ; we have since transferred ownership with the city assessors office to our name. The mortgage company has been faxed & emailed this documentation four times now over the last 4 months. They continue to ignore our requests or make the process simple to finalize the Successor In Interest. I have escalated the complaint to the supervisors and continue to receive zero response. It's almost as if they are trying to force us into foreclosure.