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

To whom it may concern, I recently sent via certified mail a number of items on my credit report that I believe is being reported incorrectly. I sent this certified mail to Experian Credit Bureau from my local post office on XX/XX/2023 at approximately XXXX XXXX CST. 
On XX/XX/XXXX @ XXXXXXXX XXXX I received an email stating that my dispute had been completed and asked to view my results for the new and updated file # XXXX. While I did research thoroughly I was fully prepared to wait the 30 to 45 days for the results to come in via MAIL. Why? In my letter I did asked them to validate the accounts in which I wanted disputed, but I also asked that they send me their procedures used to validate the said debt. While I am sure they used the E-Oscar tool to complete this because on all items I challenged it said out to the side the following - 1. ) Information on this item has been updated. Please review your report for the details. or 2. ) The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details.

This brings me to the following questions to you CFPB.

1. ) How can they investigate this properly in 3 days? 
2. ) Why did they not send me and supply me with their means on validating the said debt?

3. ) If they did indeed contact anyone of the said creditors why would they update with correct information if it was reporting incorrectly previously? I thought if there were errors then they should be deleted according to the FCRA? 


I would like an explanation of these questions I have listed above in a timely manner, as this is not only affecting my credit profile but also my ability to gain employment. 

The rules cant apply for some and not everyone. As it relates to Experian, I do not need the canned message that you guys typically send following a complaint with the CFPB as you never follow up as it says and Im certain your hoping I will just go away!

I am also sending this to the FCRA and will seek general council as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone got accounts in my name and I have been a victim of Identity Theif.
Product: Debt collection

US Magistrate XXXX has closed this Case. 

Yet, the Proprietor/Defendent is insistent upon A Contiuning Gross Charging in a Cases of Gross Fraud, Theft and Scamming.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information contained in my credit report, as obtained from your bureau. After a thorough review of the report, I have identified inaccuracies that require your immediate attention and correction.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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

This complaint is related to my second property ( Loan # XXXX ) and similar to my previous complaint related to Loan # XXXX ( Copy of the previous complaint is attached ) Loancare has  been cashing my mortgage payments, suddenly on XX/XX/2019, LoanCare sent me a letter indicating that I am 3 months behind ( See attached ), and subsequently, reported my account as serious delinquent to the Credit Bureau. 

In fact, I have made all payments on time - never late and every/all payments have been received by LoanCare.

Why LoanCare has so much problems crediting my payments? This very same thing happened to both of my properties. Is this a mistake, a discrimination or a simply an ill intent to defraud a customer ...

I have made several inquiries to LoanCare on this subject but have never obtained any response. ( One copy is attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was closed on my credit report for well over 7 years. It was sold to another creditor 2 years ago. They never contacted me about it. My credit report also says I refinanced the loan with them in XXXX but I havent had a loan with them since XXXX.
Product: Checking or savings account

Am in desperate need of help Ive been banking with XXXX for 9 years now. I work very hard to make my money the correct way. I made the mistake of trusting someone close to me. I know this person since I was a child, he knows everything about me. He got a hold of my card and deposited checks because he knew my information. I honestly was working this day and had no clue what was going on. I went to XXXX and explained but they claim since the person knew my information theres nothing they can do and that my account will be closed. Mistakes happen all the time what about how long Ive been banking with you guys that does not count? How I never committed anything wrong, not only am I not allow to get a chance but I cant open with no other bank! XXXX has me as fraud this is not fair. It has me depressed please me or give me another chance. Ive been to every bank and they all tell me XXXX has me on fraudulent therefore I cant bank with them. Please I am begging for some help it really was not me!
Product: Credit reporting or other personal consumer reports

I noticed an inquiry that I do not recognize and believe to be fraudulent. 

See below : XXXX - XX/XX/2023
Product: Checking or savings account

BofA refuses to provide the Photo Security service advertised on its website XX/XX/XXXXI went into a few branches in XXXX XXXX ( CA ) to add a photo security feature for my debit card ( see service description and their instructions to get the service below ). Was told they " did n't have a camera ''. In fact, they do n't even know which branch does have a camera. Was told to contact customer service by phone. Called them XX/XX/XXXX. Ref # XXXX. Was told they would " buy a camera '' and get back to me in 1 business day. One week later no one did. <P/>See the service description from BofA below : https : //www.bankofamerica.com/privacy/accounts-cards/credit-debit-card-security.goPhoto Security ( r ) Your picture on your debit card helps protect you from fraudulent use if your card is lost or stolen. Plus, you may be able to use your Photo Security ( r ) card as an additional form of ID. The Photo Security feature is available on most Bank of America debit cards. The Photo Security feature is not available on ATM cards, small business employee debit cards or small business deposit only cards. Adding a photo to a new or existing Bank of America card is easy : Stop by a banking center. We can take your photo in just a few minutes and you 'll receive your new card in 5-7 business days ( a debit card replacement fee may apply ). Continue to use your existing card until your new Photo Security card arrives. We 'll keep your photo on file so it automatically appears on your card when it 's re-issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A.States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven year.

15 U.S.C. 1681s-29 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED : XXXX, XXXX/DEPT OF ED : XXXX, XXXX XXXX XXXX : XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of the of convictions of crimes which antedates the report of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable agency if the person knows of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness.

As per CRRG 3-4, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. 
It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
Product: Credit reporting or other personal consumer reports

This is my fourth request regarding the inaccuracies on my credit report, which I recently reviewed and found several errors. 

Under 15 U.S. Code 1681e ( b ), a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information in a consumer report.

According to 15 U.S. Code 1691i ( 5 ), if an item of information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency is required to promptly delete or modify that item and notify the furnisher of the change.
Product: Checking or savings account

ON THIS DATE I DISPUTED THESE CHARGES WITH MY BANK CAPITAL ONE XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX : Billing Inquiries Re : Notice of disputed charge to Account No. Ending XXXX or XXXX Dear XXXX XXXX : I am writing to dispute a charge of {$50.00} to my debit card account on XX/XX/2023. The charge is in error because my identity was stolen and there where several charges on my account and one of them was yours I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

Please correct the error on my account promptly. 

Sincerely, XXXX XXXX ALSO THIS COMPANY TO MY BANK XXXX XXXX XXXX ( call or text ) : ( XXXX ) XXXX THEY WAS SUPPOSED TO SEND ME THE REFUND, NEVER GOT IT I RECEIVED A EMAI FROM MY BANK TODAY SAYING THEY ARE TAKING BACK THE CREDIT THEY GAVE ME DUE TO THE COMPANY OR COMPANIES HAVE PROVEN THEIR CASE THIS WAS IDENTITY THEFT WHEN I LOST MY INFORMATION BACK IN XXXX AND GOT A POLICE REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to request the removal of accounts from my credit file as an authorized user. The reported information associated with these accounts are no longer accurate or relevant. Upon reviewing my credit report, I have discovered that the aforementioned accounts continues to be reported, despite the outdated nature of the information. As an authorized user, it is crucial for me to ensure that my credit file accurately represents my current creditworthiness. Therefore, I kindly request your assistance in thoroughly investigating these matter and promptly removing the outdated accounts information from my credit file : XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}. I have taken the time to review my credit report and gather supporting evidence that clearly demonstrates the inaccurate and irrelevant nature of the reported information. I have attached these supporting documents for your reference and evaluation.
Product: Prepaid card

I received a {$500.00} AMEX XXXX XXXX on XXXX. However, I can not add to my XXXX XXXX, can not pay online and can not pay in store. Every transaction has been declined. 

I called the AMEX customer service multiple times since XXXX, and they just told me to try some different marchants, but it doesn't help at all. I can not use it and spend the money in this XXXX XXXX Therefore, I am writing this letter to want to get the refund of the {$500.00}, in a paper check form.
Product: Checking or savings account

A stop payment was requested against XXXX XXXX with my banking institution/XXXX  XXXX on XX/XX/XXXX. While initiating the request an " estimated amount '' of the transaction was to be provided, with the understanding the amount wasn't necessary to stop the payment as long as the merchant information was correct. It was presented in a manner to seem as though it was a filler amount for the banking customer service side. Stop payments have a fee of {$31.00} per bank account. As this merchant and I were in dispute that may go to litigation, I felt this would be the correct course of action, barring closing bank accounts. What followed, the merchant was able to post a transaction to my account on XX/XX/XXXX. The stop payment was not effective whatsoever. After speaking with Wells Fargo today, XX/XX/XXXX, they then stated that the amount was I gave them as an estimate was not accurate, so therefore they could not stop the payment based upon the merchant information. After speaking with XXXX, XXXX and then finally XXXX in the customer service department, a " courtesy '' reimbursement for the stop payment fee was issued after they originally stated they could squeak by with reimbursing {$7.00}. As I've been a Wells Fargo customer since XX/XX/XXXX, I've reached the limit on my customer loyalty after experiencing horrible customer service coupled with scam fees.
Product: Credit card or prepaid card

I filed a disbutes with Chase CC for partial of the charge ( {$67.00} ) again a fair difference from XXXX XXXX ( XXXX  ) which Chase granted me. Then XXXX  denied my boarding at the airport without any notifications to us. So I went home file with Chase again, Chase customer Rep told me to submit a written notice in order for them to file the disbute again. I consequently submitted it ... Then I thought eveything would be taken care or at least I will hear something from Chase. This was all happened in XXXX or XX/XX/2019. 

Then I checked my Credit card statemnet, I relized Chase didn't file this 2nd disbute for me. I called Chase and the customer Rep told me that the filing period was expired and they can not file for me. 

My dispute is my original request was in XXXX or XX/XX/2019, at that time the filing window was still valid. but they didn't do anything nor inform me properly. 

my case number is Case # : XXXX. 

My total disbute is {$2500.00} Thanks for the helping
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Request for Investigation of Unauthorized Credit Inquiry Dear CFPB I checked my personal credit report, and I noticed an unauthorized credit inquiry had been made. 

I contacted : *.DISCOVER FINANCIAL SER Bank Credit Cards Contact info XXXX XXXX XXXX XXXX XXXX  XXXX DE XXXX *. XXXX Personal Loan Companies Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX ( XXXX ) XXXX, who conducted these inquiries and asked them to remove their credit inquiry from my credit report ; and since my contact with these companies they have not removed these error on my report I request that you investigate the companies listed above about inquires on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove any and all inquiries ( that fall under section 604 of the Fair Credit Reporting Act ), and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Money transfer, virtual currency, or money service

HI, my name is XXXX and I need help or advice for my situation. I always file my taxes with XXXX XXXX XXXX XXXX however last year, I was XXXX  with XXXX XXXXXXXX child and my XXXX are considered XXXX so because of my concerns and fear of catching XXXX, I decided to file my own taxes online. Upon reviewing what I submitted, I noticed right away that I accidentally made a terrible mistake. The last XXXX digits on my bank account for direct deposit were XXXX and I entered XXXX. I called both the Irs and Chase bank and they both assured me that my refund would not process through the incorrect bank account because neither my name nor social security number was associated with the account. Unfortunately, they were wrong, and not only did my federal and state refund go into some random account but also a stimulus payment and XXXX  child tax credit. A total of over XXXX of my money into someone else 's account. The Irs did investigate and I received confirmation letters of everything that happened however the Irs could not force Chase bank to return the funds leaving me to deal with Chase bank on my own, I have exhausted everything. I've filed several claims through the bank and they keep closing them and keep giving me the run-around, this has caused so much stress. I'm just hoping that something can be done. Please, any advice will help. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been rate shopping and as a result my credit score has dropped in all three major credit reporting agencies. This quote in fron Equifax itself. " Most credit scores are not affected by multiple inquiries from auto or mortgage lenders within a short period of timeusually 30 days. In these cases, multiple inquiries will be treated as a single inquiry, and this will have little or no impact on your credit score. '' FICO scores have a similar treatment that is well documented. This happened to me in XXXX  AND XXXX of 2017.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. this is hurting my ability to get credit. it is my understanding that you will investigate these items for me to make sure that everything is accurate. 

here is the item i am asking you to verify as accurate : XXXXXXXX XXXX XXXXXXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home and the XXXX  lender I am working with shared with me all of the information that was reporting on my credit report. Accounts both new and old are appearing on my report. Some accounts are negative, and some appear to be positive, but they do not belong to me. I am a victim of fraud! At the XXXX XXXX advisement I reported the crime to the police and filed an FTC report. I am sure the credit bureaus will investigate but I want all of these items removed from my report immediately. I have sent in dispute letters via certified mail, and I have called several times, but they ( XXXX, Transunion, and XXXX ) refuse to remove the accounts and inquiries from my report. According to the Federal Trade Commission, negative items shall be removed in 4 days. Additionally, after sending in the dispute letters with the FTC report attached, the credit bureaus have added on a collection account which is not mine which is severely hurting my chances of closing on this house. 

Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian did not properly and thoroughly investigate an inaccurate item on my credit report. They stated they received the information from XXXX XXXX, when I received my report from XXXX XXXX it was not listed on there. Experian did not investigate properly and fraudulently stated they did. The account should be removed from my report ASAP!
Product: Credit reporting or other personal consumer reports

I was incarcerated for a substantial amount of time 11 years to be exact once I went over my credit report I seen numerous accounts that are not mine I have know knowledge of 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