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

Tried to open an account with XXXX XXXXXXXX XXXX When a background report was performed, I received a notice stating there was an account ( e.g. not determined as to what type of account ) that was opened with Comerica Bank and the amount owed was for {$1200.00}. I went to the Comerica bank across the street from XXXX XXXX in XXXX to discover there was only an account in my son 's name ( e.g. custodial account ). I did have two custodial accounts for both of my children ( e.g. savings account only, no credit card or checking accounts ) .The location on the document does not exist ( e.g. Comerica Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ). I went to XXXX Police Department- was advised to contact a XXXX police station to file identity theft based on the address. At the XXXX Police XXXX XXXX precinct was advised that the address on the paperwork for Comerica does not exist in XXXX, Michigan. I was given the address for Comerica Bank in XXXX ( XXXX. Comerica Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX ). This address does exist in XXXX. I went to the police station 2 miles away from the location XXXX XXXX, MI and was advised they can not take the police report go to the XXXX police station because this address is in XXXX. I am getting no where with trying to obtain a police report for identity theft. I have contacted the company and they have began an investigation but it can take up to 30 days. Local Comerica branches do not have any information on me except for the custodial accounts. There is no phone number to contact someone at Comerica Bank. I was given a compliance hotline. I did not contact them.
Product: Credit reporting or other personal consumer reports

XXXX, equifax and XXXX all have my personal info wrong and that can possibly result in INACCURATE credit reporting. I need my personal info updated between all XXXX agencies.
Product: Checking or savings account

On XX/XX/XXXX I had an individual by the name of XXXX XXXX send me an email from using the company name XXXX XXXXXXXX XXXX in regards to a loan they stated that I was approved for {$1000.00} loan. They asked for all of my identifying information they didn't ask me for my banking information. However I was hesitant and giving them my banking information because I felt it was unusual that they were asking for my username and password the representative then told me that this was normal procedure for them to ask for this information. With hesitance I did provide them with my banking information and unfortunately they had taken money out of my account and they filed fake claim dispute against merchants that I had already paid. The bank then provided my bank account with provisional credit. I then I spoke with the XXXX about the transactions that had taken place with the provisional credit the XXXX stated that they had made a negotiation with my bank and they paid for those transactions themselves however unbeknownst to me it was found out that they had use that money to fund the XXXX dollar loan and had and has stolen {$400.00} out of my account that was already in my account with that being said I try to file a claim dispute myself and cancel those claims that with me my bank This fictitious company had stolen my money the bank charged me and now is negative. would like to know what can I do to get my {$400.00} back and to get my account and find out how to and would like this individual found press charges against her. They also told me sent XXXX via XXXX. 

The amount that was from Chase $ XXXX amount that was taken from me was XXXX.
Product: Credit card or prepaid card

Two Bank of America credit cards with a {$12000.00} limit and two Bank of America accounts were fraudulently opened in my name in XXXX, XXXX and another Bank of America credit card with a > {$12000.00} limit was fraudulently opened in my name in XXXXXXXX XXXX. An attempt was made in XXXXXXXX XXXX  to fraudulently open an account with XXXX XXXX. These accounts have already been closed and I put a freeze on my credit with all three credit bureaus to prevent further attempts of fraud.
Product: Student loan

Consistently over the course of the past few months I have had my overpayments on my Federal accounts misapplied. I have called repeatedly to have them corrected. It seems quite deliberate at this point, considering the fact that each time I pay more than the minimum payment I am entering the total amount to be paid on each loan through their website. There is no way things are being miscommunicated between myself and Navient because you clearly type the amount in for each loan. The problem is 100 % on their end. A second issue involves the fact that I was told several years ago that Navient does not provide a reduced interest rate for automatic withdrawal from your bank account. when I previously had only been paying via handwritten check through the mail. Now that I have more recently started managing the account online and paying through e payments, I stumbled upon the fact that this is actually available and requested automatic payments for all of our private accounts and my spouse 's federal accounts with her permission. First, I am sure that this was available all along and they had previously lied to me about it. Secondly, when they finally began to process my request for automatic withdrawals they improperly applied it to the only account that I did not request it for ... my federal account. So as of right now they only applied it to the federal account that I did not submit a request for and I still have the confirmation saved proving which accounts were to be processed too. The remaining accounts that should have been processed with my private loans and my spouses federal loans no longer appear to be pending. The part that makes no sense is that their federal processing is separate from their private and is 2 completely different departments and phone numbers etc. So explain to me how they process a request for my federal loan to be on autopay when my request for my private loans to be processed was even separately submitted from my spouse 's request for her federal loans???. I have had it with dealing with them and want to know what I can do as recourse. Its just not fair. If i quit paying my loans because of what I am convinced is deliberate mishandling at this point, it will only hurt my credit score etc and it appears that they are immune to reprisal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Experian Information Solutions , Inc . 
Dispute Department RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. 
Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. {$1600.00} ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that Experian : XXXX. Conduct a thorough reinvestigation of the following disputed accounts or items [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Provide me with all documentation used to verify the accuracy of the disputed information. 
XXXX. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 
Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate vour investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 
Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

Transunion added previously deleted inquiries from my credit report and a couple of weeks later, those same deleted inquiries were placed back on my file. I spoke with several representatives that advised that they experienced a glitch and that they will take care of those previously deleted inquiries. I recently pulled my report and found that they were not removed as promised.
Product: Credit card or prepaid card

I purchase a home warranty from XXXX XXXX XXXX and used my XXXX XXXX XXXX XXXX for {$570.00} and broke it up in XXXX payments. Over the phone they took my credit card number around XX/XX/XXXX for amount of {$280.00} and the second payment was posted on XX/XX/XXXX to complete the home warranty purchase which wouldn't go into effect until my final payment and I had XXXX days to cancel to receive my money back. I did not sign a contract either. 

I tried to use the service for an electrical repair on XX/XX/XXXX which the company did not respond in time so I sent an email on that date canceling the service to that company and also contacted Capital One XXXX about the problem that I canceled the service and wanted my refund. I was told that Capital One has an afflation with XXXX XXXX XXXX and I would need to submit more information which I did, including the cancelation email. 

Now Capital One wants more documentation because XXXX XXXX XXXX said they did not receive my cancelation even though they had my email showing I sent and canceled the service on XX/XX/XXXX. I also spoke with someone on the phone about the cancelation ( think was XXXX XXXX and he stated the service would be canceled. So Capital One decided to apply the {$280.00} XXXX times on my new XXXX XXXX ( which I did not authorize ).. 

Due to the affiliation ( which a customer service person told me ) I think XXXX XXXX is intentionally making it difficult for me to receive my {$570.00} back.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY EXPERIAN MEMBERSHIP NUMBER IS ATTACHED AS AN ATTACHMENT. I'm also attaching an Experian dispute response from them with my exact name, address, and report number from XXXX, which proves that Experian providing false statements to the CFPB in order to close complaints quickly. 

THIS IS XXXX XXXX!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! 

THIS IS THE 3RD TIME EXPERIAN HAS USED THIS UNLAWFUL TACTIC OF SAYING I'M NOT THE ONE SUBMITTING THE COMPLAINT TO CFPB TO CIRCUMVENT THE LAWS. 

I also submitted XXXX XXXX on XXXX, XXXX on XXXX and XXXX on XXXX. Experian used the same unlawful tactic to respond to those. They claim I am not listed on the account, which further confirms these accounts should not be on my credit profile. They need to be deleted IMMEDIATELY! 

If I'm not the correct person, and Experian allegedly doesn't have a customer by with my name, SSN and date of birth, why did they remove XXXX XXXX as I demanded since I filed a complaint on XXXX, XXXX, and XXXX? It's because I am the person whose credit profile I've been filing disputes and complaints regarding. 

All these accounts that I have declared not mine have already been deleted by XXXX  and XXXX. My credit profile on Experian is not 100 % accurate. Experian refused to follow the law after repeated attempts to demand that they do. I am going to file a lawsuit against Experian and use these CFPB complaint denials as evidence of their tactics to skirt the law. 

The following accounts need to be deleted from my credit profile IMMEDIATELY per my FTC identity theft report : XXXX XXXX XXXX ( both accounts listed ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Parkside Lending regarding their inaccurate reporting practices and potential violations of consumer rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I discovered discrepancies in the information reported by Parkside Lending on my credit report. Specifically, Parkside Lending has inaccurately reported a 30-day late payment for XX/XX/XXXX, despite not holding my loan during that period. My loan was transferred from Parkside Lending on XX/XX/XXXX, making it impossible for me to have had a late payment with them in XX/XX/XXXX. 

This false reporting by Parkside Lending has had severe repercussions on my creditworthiness and financial standing. The inaccurate late payment entry has unfairly tarnished my credit report and has the potential to affect my ability to obtain credit or loans in the future. 

I have attempted to resolve this matter directly with Parkside Lending but have been met with resistance and insufficient action to correct the inaccuracies on my credit report. Despite providing evidence of the inaccurate reporting, Parkside Lending has failed to take appropriate steps to rectify the situation. 

I believe that Parkside Lending 's false reporting of a late payment constitutes a violation of my rights under the FCRA, which mandates that information reported on consumers ' credit reports must be accurate, complete, and not misleading. Parkside Lending 's failure to adhere to these regulations has caused significant harm and distress to me as a consumer. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take necessary enforcement action against Parkside Lending for their inaccurate reporting practices and potential violations of consumer rights under the FCRA. 

Thank you for your attention to this matter. I appreciate your assistance in resolving this issue and ensuring that consumers are protected from inaccurate and unfair reporting practices by financial institutions.
Product: Credit reporting

There exists a policy among credit reporting agencies such as TransunionXXXX and even XXXX XXXX of reporting " hard inquiries '' in a negative manner. In 2015 I purchased a new car, my score was XXXX, so it was good. I wanted the best financing offer possible so I allowed the car dealership to " shop '' my loan to XXXX different places and accepted the best offer. However although those inquiries were all on the same date, same transaction I received XXXX hard inquiries which dropped my overall credit score XXXX XXXX XXXX points. Now, I know from talking to a CFPB rep that the credit agencies " say '' those inquiries do n't affect your score, that 's not true. Consumers should be allowed to choose the best financing they can get, without being punished on their credit reports. I disputed the inquiries with reporting agencies, but the disputes were denied because they actually happened, those inquiries did take place. So I was punished for trying to shop the market. I have printed reports showing those inquiries as being numbered, printed by name and date and listed as a " credit factor '' on my actual credit reports, so the reporting companies either did n't want to understand the question when CFPB asked the question, or they lied when they told CFPB that inquiries do n't affect your own credit report. I do n't believe that XXXX intended the public to be " pushed '' in only XXXX direction when trying to obtain credit and punished for trying to shop their own credit information.
Product: Credit reporting

THIS IS BEING FILED THIS WAY BUT TAKE NOTICE THERE IS ABSOLUTELY NO ID THEFT IN THIS MATTER AND YOU SHOULD NOT BE PUTTING ANY KIND OF FREEZES ON MY ACCOUNT. PAY CLOSE ATTENTION TO THE ATTACHMENTS WHERE I HAVE WRITTEN IN A WARNING TO NOT PUT ANY KIND OF FREEZES ON MY REPORT OR ANY KIND OF FRAUD ALERTS JUST BECAUSE I AM DISPUTING THE VALIDITY OF YOUR REPORTING. YOU DO NOT HAVE MY PERMISSION TO PUT ANY ALERTS OR FREEZES ON MY ACCOUNT. DOING SO WILL RESULT IN A LAWSUIT. 

FOR THE LAST TIME. XXXX COLLECTION FOR XXXX XXXX IS IN THE NAME OF XXXX XXXX. IT IS NOT IN XXXX XXXX NAME AND YET YOU SAY YOU HAVE VERIFIED THIS. TOTAL LIE, AND YOU ARE IN VIOLATION OF THE FCRA. THE XXXX ACCOUNTS ARE STILL LISTED AS PENDING BUT YOU ARE OUTSIDE YOUR 30 DAY INVESTIGATIVE WINDOW AND THESE NEED TO BE REMOVED IMMEDIATELY. YOU STATE THAT " Company responded Experian Credit Bureau said : Explanation of closure Thank you for submitting your complaint on XXXX XXXX, 2016, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. 

We reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicate that the disputed collection accounts are false and in violation of XXXX. You further indicate you contacted the company that informed you that the account is attached to another person. You are requesting the disputed collection account ( s ) and fraud alert to be removed from credit report. 

According to our records, the disputed collection accounts and fraud alert do not appear on your Experian personal credit report. You should receive an email notification, within the next 48 hours, alerting you that your dispute results are ready to be viewed online. '' BUT THIS IS A LIE BECAUSE THESE ARE STILL SHOWING UP ON A CREDIT REPORT THAT I RECEIVED TODAY. I AM GOING TO FILE A COMPLIANT AGAINST YOU WEEKLY IF YOU DO NOT REMOVE THESE ITEMS WHICH YOU CAN NOT PROVE ARE COMPLETE, ACCURATE OR VERIFIABLE. I AM TIRED OF ASKING YOU TO DO YOUR JOB BUT YOU BELIEVE IN BREAKING THE LAW. REMOVE THESE ITEMS IMMEDIATELY AND STOP TELLING ME I HAVE TO CONTACT THE ORIGINAL SOURCE, I HAVE DONE THAT BUT IT IS NOT MY RESPONSIBILITY TO PROVE THAT THE ITEMS ARE MEETING FCRA GUIDELINES. YOU ARE BREAKING THE LAW BY REPORTING INFORMATION AGAINST ME THAT YOU CAN NOT PROVIDE PROOF FOR. THIS IS YOUR LAST WARNING TO REMOVE OR SUFFER A LAW SUIT.
Product: Mortgage

This has been an issue since XX/XX/XXXX, when Bank Of America changed their computer system for their Line of Credit statements. Since then I have spent hours and hours on the phone, sending emails, and compiling documents showing what I owe them vs what they claim I owe them. I made numerous payments that were never applied, and later shown as " unapplied funds. '' While my average monthly statement prior to this might include 8-14 transactions, their XX/XX/XXXX statement had 117 transactions ; 4 pages of Unapplied Funds, Payments posted, Principal Curtailments, and Misapplication reversals. Then they made it worse by lumping in some of these payments, etc., to where I as the customer have no idea what payments these figures represent. All that did by grouping multiple deposits together was to muddy the waters, and I do not think anyone short of a CPA could possibly figure it out, if at all. I have been given multiple " confirmation numbers '' indicating the issue has been resolved when in fact no such resolution has been accomplished. When I finally get an employee whom I am corresponding with one on one, they make all sorts of promises and commitments to assist me and fix the problem, but they never follow through. It's been a nightmare, affected my credit score, and the problem still exists. I have a 10 page summary of the chronological order of the calls, emails, etc. I believe based on the work I have done that they have not credited me with approximately {$5000.00}. Personnel tell me they will be back in touch in the next week, but take multiple weeks to reply if at all. I have had a LOC with BOA since XXXX, and have been a customer of BOA and their predecessor banks since XXXX. Believe me I would not bother you with this but I have no where else to turn. The lack of any real Customer Service on the part of BOA is off the charts. Its like they don't want to be bothered. I have 51 pages of detailed notes on every call, email, etc.
Product: Credit reporting or other personal consumer reports

I previously submitted the following complaint against Experian for inquiries on my credit report that were not authorized by me but they failed to remove them : " There are several hard inquiries on my credit report that I did not authorize. I disputed them with the credit bureaus, however, they remain on my credit report. I have filed a complaint on Identitytheft.gov and attached it below regarding the following inquiries : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX listed three fraudulent hard inquiries which they are unwilling to remove ( even with proof ) and that the other credit agencies do not report. Fraud inquiries on EQUIFAX report are : XXXXXXXX XXXX, XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX ; XXXX XXXX/XXXX, XX/XX/XXXX. I received documentation from XXXX and XXXX that these were fraud attempts to open credit ( I do not recognize nor authorized ) and no accounts were opened. I submitted documentation to EQUIFAX and their investigation simply states " these inquiries are factual ''. Today ( XX/XX/XXXX ) I received an alert for another hard inquiry on EQUIFAX from XXXX XXXX/XXXX for a fraud attempt ( confirmed with XXXX, agent # XXXX in XXXXXXXX XXXX   Fraud Dept ). This is another fraud attempt and EQUIFAX is unwilling to remove these incorrect/fraud hard inquiries from my report. My credit score is suffering with EQUIFAX. I will be making a major financial purchase soon and their unwillingness to remove the hard inquiries on my file will cost me a higher interest rate ( EQUIFAX MUST FIX THIS IMMEDIATELY - PLEASE HELP ).
Product: Checking or savings account

On XX/XX/2022, I was traveling outside of the country in the XXXX and I believe my debit card info was stolen. I am not sure how, but it was taken likely from using the physical card and/or an RFID reader that was being used fraudulently at a gas station or a kebab stand that I know I visited that day. 

I submitted a fraud claim to USAA, albeit somewhat later, as I was unable to make the call while abroad and it was denied. 

The amount in question was for {$380.00} USD. 

I believe not enough attention was given to the issue. 

What is also worth mentioning is that I had a similar charge from the same fraudulent merchant on a different card which was decided in my favor. XXXX XXXX fraud department did a thorough investigation and found I was not at fault. 

I am not sure why USAA found I was at fault. XXXX XXXX Fraud Department handled the investigation and I am much more inclined to believe the methods used by them which ruled in my favor as opposed to a small, regional bank that has no exposure to markets outside the US. Ideally, I have the entire amount removed from my account. However, I am willing to work with USAA.