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

Experian refusing to look at my dispute. 

My Dept of Education student loans were paid off and I received a confirmation letter of a {$0.00} balance on the loan ( paid in full ), from the servicer, XXXX. My loans were still on my credit report, so I filled out an online dispute with the three main credit bureaus ( Experian, XXXX and XXXX ). The dispute with Experian was reported as resolved within 24 hours, but they did not change anything. It is clear they did not look at any of the documentation provided. I called the Experian customer service line and, after trying to navigate through their nearly impossible phone tree menu ( that did not have an option that matched my need ), I was put on hold for 45 minutes. Once a " specialist '' answered, he refused to actually do anything other than encourage me to file a new dispute. He seemed intent on me not doing it on the phone and kept saying things to discourage me from doing so. He said they needed a letter from the servicer, when I noted that I had provided such a letter, he simply became a broken record and refused to help. Essentially, they refused to examine this issue and refused to fix the mistake on my credit report. I have not heard from the other credit reporting agencies, indicating they are likely actually investigating ( but if not, I will be back ).
Product: Debt collection

I paid vw credit {$3000.00} on the {$10000.00} I owed before they repossessed my car. Theyve sent me letters and Ive gotten calls from a debt collector saying I owe them {$9000.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated federally protected rights to privacy and confidentiality under U.S.C 1681 XXXXXXXX XXXX XXXX  acct : # XXXX and XXXX/DOFED acct : XXXX XXXX and Equifax and XXXX inaccurate : Personal information i have never live at these addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX andXXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

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 card or prepaid card

I have this US Bank XXXX XXXXe card for years. There is a benefit of the card which is {$320.00} annual credit for travel/dining purchases. The definition of " annual '' is card anniversary. Since my card 's annual fee has been always charged on XX/XX/XXXX, which is also a statement date, this is what I believe to be my anniversary date. I used my card on XX/XX/XXXX on some travel purchase. But for some reason, US Bank posted this charge a few days later and wasted my previous card year 's benefit. This is very disappointing for me, especially in a difficult year like this. I would really appreciate it if US Bank could make this charge ( on XX/XX/XXXX ) to be using my previous year 's allowance, instead of wasting my benefit. Thanks a lot!
Product: Credit reporting or other personal consumer reports

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 
I never gave permissible purpose to pull my consumer report these inquiries are fraudulent and need to be block immediately.
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute the unauthorized inquiry on my credit report. Upon reviewing my credit report, I noticed several inquiry that I did not authorize. This inquiry is negatively affecting my credit score, and I am concerned about the potential impact on my financial standing. 

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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) Due to inadequate costumer service and unfair practices, which violates the Consumer Financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform therefore leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was deceptive and unfair, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss. I am seeking appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting act, - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

- 15 U.S.C 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights by reporting a duplicate account. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX, has violated my rights.
Product: Credit card

Bank of America opened a credit card account in my name, but I didn't apply for it.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following accounts on my credit report. 


XXXX : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX TRANSUNION : XXXX XXXX  XXXX of XXXX : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting

I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report. 

This is listed on my negative Accounts XXXX and I paid it in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Product: Checking or savings account

On XX/XX/2023, at XXXX ET, I accessed my " Clearly Better Business Checking '' account online at XXXX XXXX XXXX When Exporting transactions, the exported file contains records that are outside the filter criteria set. In addition, in the account overview, transactions, view, the " Contact Us '' link at the bottom of the page fails to open the contact us page. 

In general, it appears that Citizens Bank recently reprogrammed their online account interface. The presence of such obvious defects indicates that no testing was done, and that the implementation is dangerously incompetent at a level totally inappropriate for banking. 

I attempted to call Citizens Bank at XXXX and an automated system reported that no one was available. It also reported that they are experiencing an abnormally high call volume. This is a lie as I have never called and not been told there is an abnormally high call volume. They have made a practice of deceiving customers into believing their normal failure to answer the phone is something other than routine.
Product: Debt collection

this account was approved to be deleted as per fcra regulations on XX/XX/2020 account still appears on all 3 credit bureus and it is extremely hurting my credit.
Product: Consumer Loan

I no longer need my lease vehicle from US Bank and besides the fact that I have already found a person to transfer the lease to, I 'm having the hardest time to get the necessary paperwork from them to complete the process. They 've told me they would be sending the paperwork by mail or fax but weeks have passed and never received anything. At this point I just assume that they want to discourage me on doing this, and in fact they probably prefer that I terminate the lease so they can hit me with absurd fees as they commonly do with so many other costumers in the same situation. I 'll never use this institution or any dealer that offers their service again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX DIDNT GET NOTICE UNTIL XX/XX/XXXX - XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ( OPENED XX/XX/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 or other personal consumer reports

To Whom It May Concern, I am in the process of applying for employment and have been informed by the HR department that negative items on my credit report are adversely affecting my chances of securing a position. A legal friend of mine has informed me that I have the right to dispute the accuracy of this information, which appears to be in violation of 15 U.S. Code 1692e, prohibiting false, deceptive, or misleading representations in debt collection. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable inIf 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. 
Accounts 1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Mortgage

I want it to get a loan for a bigger house so I can expand my business, when I apply for a loan I was told I can not get a loan because I 'm behind on my mortgage payments, I found out the first time XX/XX/XXXX that Bank of America has issue a morgage on my name fraudulent in the amount of {$270000.00} in the city of XXXX, I have proof I have not had a morgage since XX/XX/XXXX, have done fraud alert on my credit, police report, called fraud department at Bank of America, nothing gets solved, they completely distroy my life, my credit, why do I have to pay for an attorney to take them to court and waiste my time and money just because Bank of America think they so powerful and they can do what ever they want, how do this gets solve, a victim has no right but a thief has more rights then anybody, I have a big family XXXX amazing kids we work all our life none stop to achieve a business and Bank of America gets away with every single fraud and unlawful process they do why? Why me as a hard worker wo n't be able to grow my business because of them, so far we have lost over XXXX, why why, we can not have any credit cards, I had to change my debit card XXXX times because they sold my info, why do I have to go thru this, please help us, please help us to get our life back .Thank you
Product: Credit card

I purchased an electronic item from XXXX which arrived damaged and had issues so I attempted to return it, it said the buyer didnt take returns so I filed a dispute claiming that the item was damaged, my credit card company ruled in XXXX favor even though the item was damaged and unreturnable
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax have illegally taken my public records regarding my XXXX XXXX and XXXX XXXX Bankruptcy Court Cases and have put them on my Credit Reports. I reached out to all three Credit Bureaus to request them in both writing and over the phone to remove the Bankruptcys from my Credit Reports by filing disputes. They refused and said they received my public records from the US Bankruptcy Court, XXXX and XXXX. I have reached out to the US Bankruptcy Court and XXXX  and received a response back from them stating they do not report and did not report my Bankruptcy Court Cases to XXXX, Equifax or XXXX. 

I followed back up with XXXX, Equifax and XXXX with variable information from the US Bankruptcy Court Letter to me and from XXXX that says they did not give the 3 Credit Bureaus my Bankruptcy Court Case information. My rights to privacy and to safeguard my privacy has been violated and published illegally on my 3 Credit Reports and the 3 Credit Bureaus are refusing to remove them. I told them I will file a CFPB Complaint if they still chose not to remove them from my Credit Reports.

They have not been able to provide me with proof and verified documentation of how they obtained my Bankruptcy information. They only lied on the US Bankruptcy Court and XXXX. They are violating FCRA Consumer Laws. 

XXXX and XXXX also illegally received and reported my Bankruptcies to the 3 Credit Bureaus and are refusing to remove it.
Product: Credit reporting or other personal consumer reports

To begin, per the FRCA, as a Federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given any of the Credit Bureau 's, written, un-written, verbal, non verbal, per 15 USC 6802. According to the Privacy Act of 1974, I have the right to privacy on Third Party Reporting Agencies putting derogatory or negatively impacting information ; as well as The Fair Credit Reporting Act 15 USC 1681 ( a ) and ( b ) that the credit reporting agencies can only place information about me, the consumer, with my written consent or else it will effective banking industry.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

I have a side by side proof things have been mis-reported and I have attempted to dispute all of these inconsistencies with the XXXX companies. XXXX, Experian and XXXX all have different information, some identity theft, some fraudulent activity and some reporting that I did not request. XXXX on XXXX I disputed with XXXX on multiple names that I did not put into their system, nor did I give them permission to use mis-spelled names. There were multiple un-mailable addresses included in my report with XXXX that they say were updated before my dispute. They were not updated. They have multiple hard inquiries I did not allow and therefore, identity theft and false reporting is still occurring today. There are multiple dates of inaccurate reporting and delinquent mortgage accounts on XXXX. NR and Untied wholesale both have late payments which have been disputed because they are not my debts. I have never had a XXXX XXXX and it's on my XXXX file as a closed account, which must be identity theft. As well XXXX. I have received absolutely no correspondence from them.
Product: Debt collection

As a consumer, I have the right to expect a thorough and timely investigation into my disputes, in accordance with the Fair Credit Reporting Act ( FCRA ). The inaccurate reporting of late accounts not only damages my creditworthiness but also raises questions about the reliability and integrity of the credit reporting process. I submitted disputes regarding inaccuracies in my credit report, particularly the reporting of late accounts. This lack of communication is both disconcerting and unacceptable. 
XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX XXXXXXXX - PLEASE UPDATE!!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I demand an immediate update on the status of the investigation into my credit report disputes. It is crucial that your bureau adheres to the FCRA 's mandates to ensure fair and accurate credit reporting. I also request clarification on why the inaccurate reporting of late accounts persists despite my disputes and the legal obligations outlined in the FCRA.
Product: Debt collection

I received a copy of my credit report.. I am concerned about the infirmary being reported. Please investigate the following accounts, because I do not believe the information to be accurate. Please remove the inaccurate information from my credit report. Macy's/Citibank NA .. ss XXXX ending in XXXX IT IS SHOWING COLLECTION/CHARGE OFF ON MY REPORT.. With a balance of {$390.00} this is in clear violation of 15 USC 1637 ( b ) 15 USC 1666b 15 USC1681s-2 15 USC 1681i 1099C 12 CRF 1006.34 C 12 CRF 1006.6 C According to the FCRA, accounts that have been disputed by the consumer, must be noted as such. I have repeatedly stated that this account was opened up fraudulently. Your failure to investigate this account, and notate it as such is in violation of the FAIR CREDIT REPORTING ACT! please remove it Immediately from all three credit bureaus!
Product: Checking or savings account

Hi there, I hope you are well. My name is XXXX XXXX from XXXX and running a digital marketing agency here. I open the account with Mercury for XXXX ads run. So, every thing was going smoothly and suddenly Mercury compliance team deactivated my account without any reason on XX/XX/XXXX and there was {$7000.00} balance in my account. They send the check on my registered address. So, the problem is I am from XXXX and cant cash the check. The address is also the virtual address. They send this check back to the Mercury. So, I emailed Mercury multiple times to send my money to my XXXXXXXX XXXX account. But I didnt get any single response from them till now. Im getting depressed. Please do something for me, Please My account/company name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$500.00}, {$1000.00}, {$300.00}, {$100.00}, {$35000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that the consumer reporting agency is reporting inaccurate information on my credit file. Included in this correspondence is a letter from XXXX. The parent company of XXXX XXXX the purchased the account. ( Partial amount number XXXX ) And had to be removed from my credit file due to the lack of validation. The account was sold to this company by The XXXX XXXX XXXXi. Which is still reporting on my credit file. I explained to a representative of this reporting agency that this is illegal practice. A collection agency can not sell an account to another agency and continue to report it on a consumers credit report. And as of today, the account continues to be reported on my credit file. 

Its the law.. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

I want this account removed from my credit file immediately.
Product: Credit card

I have XXXX credit card accounts with Barclay Bank : XXXX Rewards and Juniper. On XX/XX/XXXX I submitted a request for XXXX balance transfers to my Juniper credit card in the amount of {$390.00} and {$1400.00} because I am supposed to have 0 % interest until XX/XX/XXXX. However, the balance transfer was process with my XXXX Rewards Account instead of the Juniper account. I believe this was done intentionally as my XXXX Rewards account only has 0 % interest until XX/XX/XXXX. I contacted customer services and requested they fix the issue and process the balance transfers with the Juniper account as previously requested, but they are claiming there is nothing they can do. This is FRAUD. I did not authorize those balance transfers to my XXXX Rewards account. I do not understand how this is legal and okay. I am sick and tired of these banks trying to find ways of ripping of the consumers who keep them employed.
Product: Debt collection

XXXXXXXX XXXX XXXX have repeatedly, several times per day and prior to XXXX tried to call me regarding a fraudulent debt. This debt has previously been taken to court and the case dropped due to complaints about it being fraudulent. XXXX XXXX XXXX purchased this debt and are now constantly calling me from various numbers. Answering the call, there is no response on the other end. 

From 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 There are also numerous calls by robo callers with XXXX XXXX codes that are more likely than not associated with this company. 

Attempts to have them cease calling and contact has not been fruitful.