23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A check for over {$1000.00} was deposited into my account. While I was waiting for it to be approved, I got locked out of my account. I called Chase and they told me they choose to no longer bank with me but won't give me any reason as to why. All I did was deposit a check.
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, Equifax, and XXXX multiple times, but the errors have not been resolved. Despite my attempts, the credit bureaus have failed to take action to correct these inaccuracies. 

The issues with my credit report are as follows : Failure to Provide Documentation ( 15 USC 1681i ( a ) ( 1 ) ) : Despite submitting a dispute, the credit bureaus did not provide any supporting documentation to verify the accuracy of the reported information, as required by law.

Inadequate Investigation ( 15 USC 1681i ( a ) ( 6 ) ( B ) ) : The credit bureaus did not conduct a reasonable investigation into my dispute. No adequate efforts were made to verify or validate the information reported.

Improper Reinsertions ( 15 USC 1681i ( a ) ( 5 ) ( B ) ) : The disputed account was reinserted onto my credit report without proper validation, which violates the reinsertions protocols under the FCRA. 

I am requesting that the CFPB take action to investigate these violations and require the credit bureaus to correct the errors, follow proper dispute procedures, and provide the required documentation in compliance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Basis for dispute : **Inaccuracy of information. The charge off information reported is incorrect. 
Account Name : XXXX, Account Number : XXXX Hight Balance : Different amounts : {$2200.00} ( XXXX ), {$0.00} ( XXXX ), {$1300.00} ( Equifax ). Date of Last Activity : Different dates : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ). Closed date : Only reported for XXXX and Two-Year Payment History : Significant discrepancies in payment history. The inclusion of this erroneous information is causing significant and unjustified harm to my credit history.
Product: Credit reporting or other personal consumer reports

In XXXX of 2022, I was offered an XXXX XXXX XXXX XXXX as a XXXX lease for $ XXXX + taxes. I was sent online documents to sign and I did however once the paper copies showed up, I learned that the dealership added a tire and wheel package for {$4900.00} which I did not agree to as well as changed the lease duration to XXXX. 

This ended up making my payment nearly {$3000.00} ; 20 % higher than what was agreed. I do not like dealerships that do bait and switches and I told them I was no longer intersted in the car and I was travelling and did not want to deal with nonsense. 

Instead of cancelling the deal, the dealership sent me a demand letter from their attorney. I told them to pound sand. What sort of dealership does this? I have the texts between my son and the dealership where we brought up concern of the lease duration changing and the dealership said to sign and we can change it tomorrow as they had to meet monthly quotas. 

I did not and have not taken delivery, paid the down payment ( only the deposit ), and did not sign any of the registration paperwork and will not be purchasing this car. I cancelled the deal almost 2 months ago and XXXXXXXX XXXX  needs to stop reporting this car on my credit.
Product: Credit card

On XX/XX/2023 I was contacted by a web developer who said they were able to develop a website for my new business. We started the website on the same day XX/XX/XXXX. Throughout this time I started to realize slowly and slowly that this is a scam I found out it was a scam by searching up the business address on XXXXXXXX XXXX and seeing that many people are complaining of never seeing a product from this company. I also seen that it was a residential address and many said that it is likely that this is XXXX Scam artist once I realize it was a scam. I demanded a refund for XXXX dollars in which I was charged on XX/XX/XXXX. One of the reasons I also filed a dispute is because the agreed-upon time was 15 to 20 days as stated in the contract and with a refund policy that allowed me 100 % refund for any dissatisfaction that I may have I filed the dispute once they were still playing games and acting like they are still doing the website with no actual proof however, American Express found me liable to pay the amount. I was extremely confused on how this happened, because there was no proof that they actually performed the service for me because they never have until I requested a documentation from American Express and they showed me a documents which included a false contract a contract and never signed. It was a false contract different from the one I actually signed knowing this is a felony in all 50 states I proceeded to contact American Express and uploaded different documentation after reopen the dispute, showing the difference in contracts and how the merchant uploaded a fake forged contract using my signature which again is a felony or 50 states American Express proceeds to decline me once again confused on how this is possible even though I showed them a fake contract and the merchant uploaded links leading to my website. However, if you press on these links, they do not work because the website does not exist. I am once again opening up another dispute with American Express this time uploading, a police report for faking my signature and changing a document after signing. I filled for a Dispute 72 days after the start of the project meaning I already gave the merchant an extra 50 days to complete the project however, a total of 72 to 75 days I did not see any proof of a functioning website. The name of the merchant is XXXX XXXX XXXX XXXX. Their website is https : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements, particularly 15 USC 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). Despite multiple written disputes regarding inaccuracies on my credit report, Equifax has refused to conduct proper investigations or correct the errors as mandated by law. 

On XX/XX/XXXX, I sent dispute letters to Equifax regarding XXXX XXXX, XXXX a/c XXXX. I provided detailed evidence supporting my disputes, yet Equifax either failed to respond adequately or continued reporting incorrect information. This failure has caused harm to my credit score, impacting my ability to secure credit. 

The recent CFPB enforcement action ( CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, XX/XX/XXXX ) demonstrates a pattern of non-compliance by Equifax. My experience aligns with the improper practices highlighted in this lawsuit, including a lack of diligence in investigating consumer disputes.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : 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 XXXX XXXX} EQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$0.00} N/A Account number XXXX Date opened XX/XX/XXXX Balance {$580.00} XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX opened XX/XX/XXXX Balance {$0.00}
Product: Credit card

Credit Inquiry Removal Request for TransUnion XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion Customer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that these unauthorized inquiries had been made : XX/XX/XXXXXXXX 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 contacted both creditors, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  that placed the inquiries, and asked them to remove their credit inquiries from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your help and assistance. 

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

ACCOUNT WAS OPEN WITHOUT MY CONSENT
Product: Debt collection

I currently have debt collectors contacting me about about an XXXX XXXX XXXX bill that has already been paid off. 

XXXX XXXX has confirmed that I have paid off my debt over 5 times now and they have said that the debt collectors were already contacted. 

We should have never had debt collectors come after us to begin with for we are on an agreed upon payment plan. We were told over six times that the debt collection agency did not exist or that the issue has been resolved. But the debt collector kept harassing us no matter what we tried. We were never warned or notified and have even tried to correct the issue since XXXXXXXX XXXX 

We decided to just pay off the account late XXXX because they keep lying. But the debt collector is still after us for a bill that has already been paid off. We have contacted XXXX XXXX several times and they keep saying that the account balance is XXXX 

My wife and I are scared for they will not stop trying to hurt us. Pleases help, we are desperate. 

We feel they are traveling us because my wife is XXXX and they are refusing to help us because of discrimination against us. 

XXXX XXXX XXXX is refusing to send physical evidence of anything. Including bills and recipts. 

We have given Frost-Arnett evidence that the debt was paid off and have asked to not be contacted by them anymore. They are still telling us we owe money when The date we paid off all remaining balances with XXXX XXXX XXXX XXXX XXXX 

Please, we are becoming stressed and sick because of the harassment. I have already had to go to the XXXX  because of this. The stress is making us sick and we are scared they are going to hurt us. 

They keep lying and lying and lying. 

Please help. 

Please help. 

Please.
Product: Debt collection

THIS IS NOT A DUPLICATE REQUEST : I did not receive notification from Diversified Consultants of this debt. The notifications attached to claim XXXX were old bills from XXXX, the final bill from XXXX, and the document I requested from Diversified Consultants on XX/XX/2018. 

THIS IS NOT A DUPLICATE REQUEST : PROVIDE NOTIFICATION FROM DIVERSIFIED CONSULTANTS OF THIS DEBT PRIOR TO REPORTING DEROGATORY ACCOUNT INFORMATION TO THE CREDIT BUREAUS ON XX/XX/2018 AS REQUIRED BY THE FAIR CREDIT REPORTING ACT. This debt hit my credit reports on XX/XX/2018 ; so notification should be dated between XX/XX/2018 - XX/XX/2018! 

Diversified Consultants has NOT provided notification documentation prior to reporting derogatory information to the credit bureaus on XX/XX/2018.
Product: Debt collection

XXXX with the National Service Bureau has contacted my husband 's telephone for the second time, XX/XX/XXXX at approx XXXX pm about a debt owed for an insurance auto claim. he claimed that I was not insure when in fact I am, and an attempt to collect a debt that is not real or legal to collect as I am insured, and not at fault in any accident. 

He threatened to have my license revoked by the DMV for nonpayment, claimed he was not beholden to the FDCPA, refused to put my husband 's number on the do not call list and was extremely threatening and hostile. I also requested that he mail out documentation of the debt which he refused to provide staying that he didn't have to.
Product: Credit card or prepaid card

I noticed that there is an interest mistake on the billing statement on XXXX. Balance subject to interest rate ( {$760.00} ) is {$230.00} more than the new balance ( ( XXXX ). Regularly balance subject to interest amount is matched with the new balance.In such way interest ) {$14.00} ) will be overrated {$5.00} or more. So I called chase company to request explaining. The chase credit card department supervisor ( XXXX  rudely hung out my phone call at the beginning. Then I called again to ask for refund the overrated charged interest. She said No and she started to laugh about CFPB. She said consumer bureau can do nothing to make her change. She refused to change the wrong interest amount and declined my refund request. Chase company made Balance subject to interest rate big so they could suck more interest with no sense. She responds nothing about COVID-19 assistance. Chase company tried to suck peoples interest as much they could. Since they declined my kind request and disrespected consumer bureau, I would like to get the refund for the recent three month interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

While attempting to refinance my home, my credit report was pulled and I realized there are multiple inquiries on my report that I do not recognize nor did I give my permission to obtain. This includes inquiries from around the time I refinanced after my mortgage company advised they would be the only one to submit a request for my report and I also see past situations where I was told my credit would only be ran ONCE and that was not the case. 

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: Credit card

On XX/XX/year>, American Express reduced my account limit to {$3100.00}. I am filing this complaint for the following reasons : Unjust Limit Decrease : The spending limit was reduced without justification, severely limiting my ability to use the account as I had been previously. 


No Prior Notice : This change was implemented without any prior notice, leaving me unaware and unable to address or prepare for the impact. 


Offer Not Accepted : I did not accept any offer for a reduced spending limit. This decision was imposed on my account without my approval, which is unacceptable.
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 ( s ) 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: Mortgage

I am part of the Federal Government Forbearance program & I started getting the forbearance in XX/XX/XXXX I have an FHA loan the Government stated that all missed Mortgage payments will be added to the back of the loan period & My loan would have started XX/XX/XXXX, But in XX/XX/XXXX FHA issued a new guideline that all FHA loan will be extended to XXXX, XX/XX/XXXX FHFa issued a similar statement, I notified Mr. Cooper my Mortgage servicer that I intended to accept the Government offer to have my FHA loan extended to XX/XX/XXXX, I received a letter from Mr. Cooper that that is unacceptable & they are demanded I commence my payment as of XX/XX/XXXX, XXXX, They are not complying with all the Federal regulations extending Loan Modifications & they are requesting that I accept their agreement to commence payments, I am requesting your immediate assistance in resolving this matter on my behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

I already submitted this and it is not correct so I am submitted it again with more information at the end. I refinanced my home from Wyoming XXXX XXXX XXXX to XXXX XXXXXXXX XXXX XXXX paid a wire transfer on XX/XX/XXXX and Wyoming XXXX XXXX XXXX had a XXXX balance on my account as of the second. Experian was showing my Wyoming XXXX XXXX XXXX account over 30 days late. I submitted a dispute and showed a statement of the XXXX balance. Instead of updating to show a XXXX balance which they said they would do since I had supporting documents they deleted the account from my credit report. I have been a homeowner for five years with no negative reports on that account and I did not want it removed. Experian told me they received a notice from Wyoming XXXX XXXX XXXX to delete the account and that I would need a reinsertion letter to add it back onto my credit report. I called Wyoming XXXX XXXX XXXX and they said they would never asked for an account to be deleted from a persons credit report. Experian could not tell me how they got the information showing that the account needed to be deleted and will not help me any further to get it added back onto my report. I already submitted a complaint and they marked it as resolved that the account is reporting. There should be two Wyoming XXXXXXXX XXXX XXXX account showing. The one that they say is on my report is my second mortgage of only {$4300.00}. They took my first mortgage off my report and that is what I need reporting
Product: Debt collection

Harvard Collections Per IL DEPARTMENT OF HUMAN SERVICE is  attempting to collect {$3200.00} from an account open XX/XX/18 from fraudulent services used to collect XXXX XXXX in my name i was never contacted but them until now i report this and no one has responded
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX DOB : XX/XX/1983 please be advised that a copy of this letter has also been sent via certified mail. 

the equifax, XXXX and XXXX credit reporting agency have all been dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, after receiving my credit report it was confirmed that the company XXXX XXXX was the supplier of this invalid account being reported, so I called them to request that I have this validated and they stated that they have not validated this debt with equifax, XXXX or XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. 

I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). 

please provide me with the courthouse name, address, phone number of who verified this debt
Product: Checking or savings account

Reference : # XXXX So between XX/XX/XXXX, 2022-Sept XXXX, 2022. I have contacted XXXX everyday due to fraudulent activity on account. XXXX refund me all the items except the the XXXX XXXX. I never order. XXXX have refused to refund me my money. In the process of these orders, my phone was change to a number that didn't belong to me. The preferred method was also change ; which was me. On XXXX XXXX, 2022. XXXX decided to canceled me XXXX account information out of there system. I submitted the unauthorized activity link multiple times and they claim it's valid. The address on XXXX XXXX wasn't my address. Lastly, I filed a police like XXXX advised and they now don't want it. I contacted Capitalone bout unauthorized used on my debit card. The refused to credit me my money back to. account even with Police Report.
Product: Credit card

On XX/XX/2023 Goldman Sachs / Apple Card received a check for {$8200.00}. That check was rejected by my bank for " missing Endorsement ''. The balance in the account was more than sufficient to clear the check. 

On XX/XX/2023 I made an online payment for {$820000.00} because I did not want to incur a late payment. XX/XX/XXXX was the due date for the payment. 

On XX/XX/2023 Goldman Sachs / Apple Card resubmitted the check for deposit to their XXXX account and it cleared. 

Goldman Sachs / Apple Card was paid by online payment of {$8200.00} and check payment of {$8200.00}. I have shown proof via text messaging and email to Goldman Sachs / Apple Card. They say no check has been receivied by them. My bank shows the check cleared and I have provided proof directly from my banking app and scanned copies from the bank showing the check cleared. They are only acknowledging the online payment. 

I have been requesting via phone and texting with Goldman Sachs / Apple Card to help resolve or what other proof I may provide of the check. They say they have no record of the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX  XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

In 2013 my lender purchased my loan which was just modified. They sent me a XXXX Cancellation of debt for roughly {$56000.00}. I filed it with my taxes. They sent me a payoff letter that I requested immediately after receiving the tax XXXX c cancellation of debt of roughly {$37000.00}. On the website it says I only owe them {$37000.00} but on my credit it says {$86000.00} is owed. They told me that the IRS told them to give me that form but not to cancel the debt.