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

I submitted a dispute letter to the 3 major credit reporting bureaus ( XXXX, equifax, and XXXX ) showing numerous inaccuracies in the information being reported by XXXX XXXX account # XXXX. The agencys are failing to adhere to federal laws, including the Fair Credit Reporting Act ( FCRA ) and U.S. Code Title 15, constitutes a blatant violation of my rights as a consumer. I informed them that the presence of said account in dispute is causing significant harm to my profile and financial standing. 
Legal basis for my dispute:15 U.S.C. subsection 1681e ( b ) ,15 U.S.C. subsection 1681 i,15 U.S.C . subsection 1681c,15 U.S.C . 1681 s-2 ( b ) ,15 U.S.C. subsection 1692e ( FDCPA ).
Product: Credit reporting or other personal consumer reports

Dear CFPB Dispute Department, I am writing to file an official complaint and dispute regarding the inaccurate and unauthorized information being reported on my credit reports from the XXXX major credit bureaus - Experian, XXXX, and XXXX. This erroneous information has caused me significant financial hardship and distress. 

I have been going through extremely troubling times, unable to receive financial assistance or qualify for housing due to false inquiries and negative items inaccurately listed on my credit reports without my knowledge or consent. These include inquiries from XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX - none of which I authorized. 

Despite repeatedly explaining my situation to the credit bureaus and disputing these errors, they have failed to permanently remove the inaccurate information from my file as required by law. This is preventing me from securing suitable housing accommodations for myself and my children, placing us in an extremely difficult living situation. 

Under the Fair Credit Reporting Act ( FCRA ), I have protected consumer rights that appear to have been violated : 15 USC 1681e ( b ) requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of credit report information. 

15 USC 1681i ( a ) requires credit bureaus to reinvestigate and correct any inaccurate information once disputed by the consumer. 

15 USC 1681s-2 ( a ) prohibits any person/entity from furnishing information to a credit bureau that they know or should know is inaccurate. 

The continued presence of these inaccurate inquiries and negative items on my credit reports, despite my exhaustive efforts to correct them, demonstrates a failure by the credit bureaus and furnishers to comply with the FCRA 's accuracy and reinvestigation requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth 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, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance : {$80.00} ; XXXX XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 certified letters to equifax, XXXX, and XXXX  regarding the status of my XXXX XXXX XXXX. The account is marked closed when it should be reporting open and the account is reporting delinquent when the company deleted the delinquencies and also credited the account for {$280.00}, the correct amouth that should be reporting is {$510.00} not XXXX. Equifax, XXXX, and XXXX  is reporting inaccurate information regarding this account. This is a violation of the FCRA law.
Product: Credit card or prepaid card

About two months ago I finally received my family leave money for bring my XXXX XXXX,  well I deposited the {$6000.00} from over five weeks back pay and within three hours all the money was stolen from my card given to me by Bank of America and edd. Ive been call the fraud department and keep getting denied my money they say I authorize this! Whoever did this changed my lug in and security questions twice! Both time I called bank and changed login. Im out {$6000.00} and cant pay bills or anything! In the meantime edd tells me I do T get paid from them anymore
Product: Credit card

Order XXXX XX/XX/XXXX XXXX {$970.00} Dispute XX/XX/XXXX no tracking number XXXX vendor provided XXXX showing product in XXXX XXXXXXXX cancelled XXXX however Vendor had called back product to XXXX XXXX info attached. 
XXXX in the interim accepted dispute and took payment back from vendor XXXX claims money returned to my orginal form of payment they provided a transmittal number XXXX Based on vendor acceptance of dispute on XX/XX/XXXX Citi bank refuses to talk to me since I withdraw complaint even though I've sent them documents from XXXX and has never refunded my {$970.00} The bank also double billed me per the statement end XX/XX/XXXX And have never shown this credited
Product: Credit card or prepaid card

On XX/XX/2023 my son XXXX used his JetBlue by Barclay 's Bank credit card ( I am the primary ) to buy food from a vendor in XXXX XXXX. The charge should have been XXXX Colombian pesos. This is an independent vendor that used a credit card point of sale square swipe system called Bold XXXX. That night I received a Fraud Alert from Barclays saying Bold XXXX was putting through a charge of {$600.00} and asked if it was Fraud -- - I answered immediately yes and the text told me the charge was denied. I then called Barclays from XXXX because I was concerned. I was told there was a charge of {$540.00} before the XXXX charge of {$600.00}. After speaking with the Barclay 's rep I decided to put in a dispute on the over charge and was grateful the XXXX charge was not honored as that was clearly Fraud. I returned home and tried to work through the dispute on the XXXX known overcharge. Barclays put that overcharge back on my statement and sent me a bogus illegal receipt attached for over XXXX, ooo, ooo Pesos for the first charge. As if that wasn't bad enough the Barclays system in XXXX added also the fraudulent {$600.00} charge to my statement so now I have over {$1100.00} in charges for a bill thart should have been {$200.00}. What is so frustrating about Barclays is every time I call I get bounced back between the Fraud dept and the Disputes dept, Everytime I ask for a manager they say one needs to call me back, Everytime they call back it is during working hours and I can't answer. There is no way to call a manager and I am told over and over again to explain myself again and again, I truly do think Barclays is purposefully overcharging consumers, is siding with criminals and has rigged the system so you can never get a person of authority to help. I can not believe this.
Product: Debt collection

on XX/XX/XXXX I was urged to contact my bank Wells Fargo by a XXXX representative regarding a potential fraud attempt on my account. I contacted Wells Fargo and gave them the XXXX representatives I.D . number. The Wells Fargo representative confirmed the I.D . of the XXXX representative as legitimate after speaking with the XXXX representative. The Wells Fargo representative informed me of fraud attempts was in progress and it was intercepted as a result of the information received. I was instructed to assist the XXXX representative and to do whatever was needed to be done and that any money that was lost Wells Fargo would reimburse. If I didn't follow the instructions and lost money I would not be reimbursed. My credit card became max out. I contacted Wells Fargo in writing letter dated XX/XX/XXXX USPS Tracking Number XXXX. I spoke and was told on XX/XX/XXXX that the case is still open and not do ( pay on account ect ) anything until I receive another letter. I spoke to a Wells Fargo today XX/XX/XXXX and they claim they never received a letter from me. I was told I have to pay on my credit card account which I feel I should not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Part of my identity was stolen. I never opened the account below. It does not even link with my Home Depot account. It showed up when I received a notice of drop in my credit line from XXXX XXXX. I am in the process of disputing this account. Also, I never received a bill so it was not linked to my home address or email. 


THE HOME DEPOT/CBNA # XXXX ( XXXX ) XXXX XXXX XXXX Corporate Place XXXX XXXX, SD XXXX Loan Type : CHARGE ACCOUNT Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Date Updated : XX/XX/XXXX Payment Received : {$0.00} >Maximum Delinquency of 120 days in XXXX {$380.00} and in XX/XX/XXXX for $ XXXX Pay Status : >Account 120 Days Past DueDate< Terms : {$170.00} per month ; paid Monthly Date Closed : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card

Dear Sir/Madam, I am writing to formally reques wheelers t a refund of my deposit made for a XXXX XXXX XXXX XXXX which I purchased through your financing services. As you are likely aware, XXXX XXXX XXXX has gone bankrupt and is no longer in business. As a result, the vehicle I purchased is no longer supported with software updates, warranties, or service. 
Additionally, the car has several recalls, which can not be addressed due to the company 's shutdown. Given the circumstances, I did not receive the product or services that I paid for, and I believe I am entitled to a refund of the deposit. 
I respectfully request that Chase assist in facilitating the return of the deposit in accordance with the terms of my agreed nt. Please let me know the necessary steps for proceeding with this request. 
Thanks ALL BENEFITS NOT RECEIVED ON CAR Exclusive XXXX XXXX XXXX Owner Benefits : Technology Free vehicle infotainment system upgrades : Every upgrade to your infotainment system including the next generation XXXX chip at a currently estimated worth of {$2900.00} is free for you. We expect this chip to be available in the XXXX half of XXXX. Free OTA upgrades : Additionally, select new features that we can distribute via XXXX are completely complimentary on your XXXX XXXX XXXX during your vehicles life ( contingent on hardware compatibility ). Lifetime Complimentary Premium Wireless Connectivity : Previously 3 years, the service is now extended through the life of your vehicle, and is expected to be upgraded from XXXX to XXXX in XXXX. XXXX hotspot : Your vehicle will be equipped with a hotspot with up to XXXX of free data usage a month, active for a full decade. Early access to new features : Youll be the first to experience new vehicle features, gaining access to them before any other customers. 
XXXX XXXX warranty : Youre getting a XXXX mile global extension to your XXXX basic warranty, extending your coverage through the first XXXX XXXX miles ( whichever occurs first ). XXXX mile service package : Enjoy our service package that covers repairs on select components of your XXXX XXXX XXXX within the first 4 years or XXXX miles ( whichever occurs first ) at no additional cost per the parameters of your service agreement. Free first tire replacement : You will receive a free set of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for your first tire replacement at a XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charging stations nationwide through XXXX. 
Access Automatic access to the XXXX XXXX XXXX XXXX XXXX : Stay tuned for details! Plus, more premium exclusives to come : o XXXX XXXX XXXX XXXX XXXX Special events and private test drive opportunities for future vehicle modelsAll these benefits will be available soon along with full details via your Rewards Page below.I would like to take this opportunity to thank you for choosing XXXX. I cant wait to roll out all the exciting enhancements we have planned that will elevate your enjoyment of your XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I see inquires on my report that should not be there. I have asked Transunion to remove them but they refuse to do it. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuse to conduct a proper investigation from my dispute, and delete account reporting by email XXXX/XXXX. 

The following are the reason ( s ) why XXXX/XXXX  should be deleted from reporting with Experian : This account is too old to collect and/or report an open and closed debt in the state of Michigan. Therefore, should be deleted.

Michigan Limitation of Actions For most collection actions, there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan, the filing of a breach of contract and/or open account action, for default of a credit card agreement, for example, must be done within the 6-year Statute of Limitations. MCL 600.5807 ( 8 ). The relevant date for determining when the six-year Statute of Limitations begins to run is the date of the last activity on the account, whether it be a purchase or a payment made. For a debt arising out of the sale of goods which is governed by the Uniform Commercial Code ( UCC ), a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario, a cause of action occurs when the breach occurs, regardless of the aggrieved partys lack of knowledge of the breach. MCL440.2725 ( 2 ). Civil judgments in Michigan expire 10 years after the date of entry, but may be renewed for another 10-year term if a motion to renew judgment is filed and an order entered prior to its expiration date. MCL 600.5809 ( 3 ). In order to collect upon a judgment entered in another state, where the judgment-debtor is now living in Michigan, it is necessary to first domesticate the judgment in the appropriate Michigan court . A foreign judgment domesticated in Michigan is subject to the same 10-year date of expiration from the date of domestication, unless renewed by motion prior to its expiration date. MCL 691.1173.
Product: Credit reporting or other personal consumer reports

Trans Union has a bankruptcy on my credit report that is invalid nor not mines. I have notified Trans Union about this and XXXX has informed me that there is no bankruptcy reporting on my report with them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CASHAPP ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time to effectively prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting

EQUIFAX IS REPORTING A TEN YEAR OLD DISMISSED CH.XXXX BANKRUPTCY ON MY CREDIT REPORT AND REFUSING TO DELETE IT. THEY ARE RESPONSIBLE FOR XXXX COMPLAINTS AND SOME LAWSUITS. I FILED A XXXX COMPLAINT ON THEM CONCERNING THIS MATTER AND FOUND OUT THEY HAVE XXXX COMPLAINTS AGAINST THEM. I WOULD LIKE YOU TO INVESTIGATE EQUIFAX AND ALSO A XXXX COMPLAINT THAT WAS MADE AGAINST THEM ON XX/XX/2015 BY ANOTHER CONSUMER. THIS CONSUMER FILED A VERY COMPARABLE COMPLAINT TO THE COMPLAINT I MADE AGAINST THEM AND EQUIFAX DELETED IT OFF OF THERE CREDIT REPORT WITHOUT ANY PROBLEMS .SO IT LOOKS LIKE EQUIFAX HAS ITS PICKS AND CHOOSES WHO CREDIT IT RUINS FOR YEARS AND WHY THEY ARE ALLOWED TO RUIN PEOPLES CREDIT FOR YEARS. PLEASE LOOK INTO EQUIFAX AND THE XXXX COMPLAINT DATED XX/XX/2015. I AM REQUESTING FOR EQUIFAX TO DELETE THE DISMISSED CH. XXXX BANKRUPTCY AND TO SEND ME A UPDATED CREDIT REPORT AS SOON AS POSSIBLE. THE FAIR CREDIT REPORT ACT MENTIONS NOTHING IN SECTION 1681 C RELATING TO BANKRUPTCY ABOUT DISMISSAL OR FILINGS. THEY HAVE NO RIGHT TO MAINTAIN INFORMATION WHICH THE GOVERNMENT HAS DEEMED NONEXISTENT. PLEASE INVESTIGATE THIS COMPANY. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loans are paid in full. I have contacted the company. They will not update. I have disputed twice with XXXX and still will not update balance to XXXX  and paid.
Product: Debt collection

I had this service in XXXX Ive had it dropped twice now and they keep putting it on my credit with a different date. Its Diversified Consultants/XXXX XXXX for {$330.00}. They say it was opened in XXXX which is completely false. I want this removed for good!
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputing incorrect information on my credit report destroyed my credit. 

I have four charged-off accounts that are reporting incorrect information and have been for years, and on the recommendation of my FHA lender XXXX I disputed the accounts with all three credit bureaus. I thought that the worst thing that could happen was that they wouldn't remove the incorrect reports, but, apparently, it can be a lot worse. 

These accounts were originally charged off in XXXX. After my disputes were investigated, the credit bureaus decided that the information was correct ( which I still don't understand, because it's definitely not ). Because the disputes were closed in XXXX of this year, the date of my charge-offs is now showing as XX/XX/XXXX instead of the correct information of XX/XX/XXXX. 

Because of this, my credit scores plummeted. While my XXXX score evened out relatively quickly, my XXXX score dropped XXXX points and my Equifax score dropped XXXX points and neither have recovered since the disputes. 

That, in and of itself, would be bad enough, but now I'm getting denied for credit due to the fact that my credit report shows a recent charge-off. The credit bureaus have said that this is standard procedure, that, yes, they update the date of the charge-off because of the dispute, but if you look at the details, you can see the original charge-off date. Great, but automated credit application systems don't read the fine print. All they care about is the fact that my charge-off date now shows as XX/XX/XXXX. 

I'm now terrified of ever disputing another account, even if I know that I'm in the right. I can't sustain another massive loss in my credit score. Before this happened, I qualified for a lot of different kinds of credit, and now I can't get anything. 

As a XXXX person on a fixed income ( XXXX ) living well below the poverty line with no real hope of that changing, this has been devastating for my finances. The charge-offs are for private student loans that only went into delinquency in the first place due to my total XXXX and the refusal of the loan broker to communicate with me at all ( the lender listed has never had any record of my loans, and attempting to work with collections also led nowhere due to the actual lenders, whose identity I was never given, refusing to communicate with the agency and with each other ). Those incorrect reports were already severely harming my credit, and when I tried to get them fixed, all that I was given was an even heavier blow to my credit. 

The credit bureaus say that this is standard procedure. It really, really shouldn't be. If nothing else, I would've appreciated a warning that this could even happen. I had no idea. I thought that I had a chance to rectify the damage caused by a shady student lender. I thought that the credit bureaus would at least try to help. I thought that, if they couldn't help, I'd at least be no worse off than when I started. I thought wrong.
Product: Debt collection

Amsher Collection Servic at XXXX XXXX XXXX XXXX, XXXX AL XXXX has been sending me collection notices in the amount of {$1800.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

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 Experians failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges 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. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount XXXX XXXX XXXX XXXX XXXXXXXX Late Payments XXXX XXXX XXXX XXXXXXXX {$47000.00} XXXX XXXX XXXX XXXX {$32000.00} XXXXXXXX XXXX XXXXXXXX {$11000.00} XXXXXXXX XXXX XXXXXXXX {$9700.00} XXXX XXXXXXXX XXXX XXXX {$630.00} XXXX XXXXXXXX XXXX XXXX {$4000.00} XXXXXXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$5600.00} 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Delete all information that can not validated 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 legal standards. A copy of my identification is attached to this letter. 
If Experian fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately. 

Sincerely, XXXX XXXX XXXX