23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I recently applied to obtain my free credit report and I was told that I have already oreded one. That is untrue I have never ordered one for 2015. I suspect fraudulefraud on my account with ExperianI suspect someone made inquiries without my authorization
Product: Checking or savings account

I noticed my card was missing on XX/XX/2020 I checked my account and attempted to dispute 4 unauthorized transactions, after attempting the 1st one I realized I didn't understand the wording and I would have to call and wait on the line to get helped, I did and filed the claim but apparently only for the remaining 3 transactions, I did notify the representative of my attempt thru the mobile app and that I wanted to include that too but apparently she didn't do so. Now the " temporary credit '' has been removed from my account and Chase is telling me they can't do anything about it! So I'm just supposed to be liable for unauthorized purchases made while my card was lost!
Product: Credit reporting or other personal consumer reports

ACCOUNTS ; 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 INQUIRIES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is Inaccurate because i have NOT authorized these institutions to run my credit, establish credit lines or any type of finanacing
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint againsXXXX XXXX XXXX and Credit Reporting Agencies ( CRAs ) XXXX, Equifax and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : XXXX XXXX XXXX ( XXXX ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like FICO and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. XXXX {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a certified letter to XXXX XXXX XXXX Account XXXX. : XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Product: Credit card or prepaid card

Failed to abide by credit card contract conditions Failed to reimburse {$50.00} for not following stipulation 2 of the contract agreement. 

2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. 

While we investigate whether or not there has been an error : We can not try to collect the amount in question, or report you as delinquent on that amount. 


If we do not follow all of the rules above, you do not have to pay the first {$50.00} of the amount you question even if your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases
Product: Credit card or prepaid card

I had serval store credit cards with Comenity Bank with Balances no more than XXXX. because of covid 19, I had my work hours reduced last year around XX/XX/2020. I called the bank and got enrolled in a Hardship program wich they were collecting automatic payments from my checking account. around XXXX or XX/XX/2020 I received a letter saying that I failed to pay and got me off the program raising my accounts with late fees a higher balances they lied I never failed to pay they send me letters for each account. I called and talk to a customer service and explained what had happened and she said if I don't pay all the accounts will go to collections.
Product: Student loan

My daughter recently,   XX/XX/XXXX  , received an email that said she owed a payment of {$640.00}. She had been in school up until  XXXX    XXXX  , and thought that she had a 6 month grace period to begin payment.  Sallie Mae s aid that she had already used her 6 month period at an earlier date, when she left school, for medical reasons, and then returned. I was under the assumption that payments would not start until 6 months after  XXXX    XXXX  , when her semester ended. I had no idea that there was only 1 grace period allowed and would like to know if that is true, and if so would like to see where it states. This was also the first time that she had seen a email from  Sallie Mae  since  XXXX . She and I went back through all deleted emails and current inbox. We then went to the spam email and there were three other emails in there from  Sallie Mae . If they sent them, and obviously they did, the emails went to spam email. I have also, back in  XXXX , sent a letter to the attorney generals office of NY because of this company not putting payments on the proper loans, and over charging on fees, not allowing me to speak to a manager, rude customer service to young adults, and not helping in any way to avoid default ; saying they had no other options available to her for repayment. Because of this investigation SallieMae had to go back into her accounts and make several changes to my account so forgive me if I dont have the confidence in this company. This company also never, ever, even responded to the sample letter that my daughter sent them from your website. But they did want to know where I got it from though. I want to consolidate these loans, and get rid of  Sallie Mae , but now I think she will have to be up to date on payments with them, but since I thought there was a 6 month grace period, and cant possibly get that amount of money together within the next month ; now wont be able to consolidate either. I honestly still thought I was in a 6 month grace period, that was never ever clearly explained, and as I mentioned would like to see it. Other loans that she has with  XXXX   XXXX  do n't operate that way. And then not receiving the emails or any correspondence through the mail ; she never knew she was falling behind. Why would n't  Sallie Mae , after falling behind, after two months, send correspondence through the mail. It was made very clear in my letter to the Attorney  Generals Office  that I did not want anymore contact with them over the phone because of how rude and condescending they were on the phone. That i preferred email or " snailmail ''. Thoughts and suggestions greatly appreciated
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act requires that the credit reporting agency report accurate information. National Credit XXXX  has me in collections for two accounts. Original collectors reported as XXXX XXXX for {$560.00} and XXXX XXXX {$610.00}. I am reporting both for predatory lending targeting a certain economic group and using unlawful practices for monetary gain. This is a violation of my rights under the Fair Credit Reporting Act Title 15 us code 1663 Advertising of open end Credit plans. 15 US Code 1691 D2 Each applicant against whom adverse action is taken shall be entitled to a statement of reasons for such action from the creditor. 15 US Code 1692 A Abusive Practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices contribute to the number of personal bankruptcies, marital instability, to the loss of jobs, and to invasions of individual privacy.
Product: Credit card or prepaid card

I thought that I was ordering a weight loss product for the price of XXXX. 
But the company sent me a notice a few days after the purchase stating that the purchase costs XXXX and then they gave my credit card number to another company that charge me {$190.00} for shipping. 
I never gave this other company my credit card information so I filed a complaint with Citibank since I used my Citibank Best Buy credit card.

Citibank was very uncooperative with completing my complaint and I have submitted everything that they ask me to submit but they still have not refunded me.

I also told the company that I ordered from that I didn't want their product and they sent me a message via e-mail to inform me that they have cancelled the order and refunded {$49.00}.

Then a few days later Citibank sent me a message saying that they have refunded my account {$49.00}.

I asked them why they didn't contact the other company that I NEVER GAVE MY CREDIT CARD TO, and they finally agree to admit that it was in fact a fraudulent charge since I never gave them my credit card. However Citibank employees are treating me like I am an old woman who doesn't know what is suppose to happen next. This is really very much a case of Financial Elder Abuse and this case has been open with the horrible folks at Citibank and they have not refunded the {$190.00} charge that I never approved. I have called them and spent a total of 2 hours on hold with no solution to a very simple problem.

This horrible company never sent an order to me and they have my {$190.00} dollars ; this is a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX account has been settled in full since XX/XX/2021, but they keep reporting inaccuracies on my credit report causing my Equifax score to drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. XXXX Account XXXX  XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. This account was never late XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX Date Updated : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I received a call from XXXX XXXX XXXX XXXX ( phone # XXXX ) where the rep was asking for my mother. When I tried to get more information about who she was, what company hired them, as well as how they got my number and who updated my mothers ' account since she passed away almost XXXX months ago, she asked me to verify my information. When I informed her of my mother 's passing, she refused to answer my questions and quickly got off the phone. I ended up calling back, spoke with XXXX XXXX, and I asked to be transferred me to their fraud department since someone updated my mothers account with my information, even though our finances were never combined ( I didn't cosign for her and she didn't cosign for me. ) XXXX XXXX transferred me to her supervisor, where I again explained the situation, added that my number has been on the do not call registry for almost XXXX decades, and asked the same above questions. The only information this supervisor provided was that my number was received from a XXXX search on my mother. XXXX XXXX XXXX XXXX should have done more research since another simple XXXX search would have found my mother 's obituary, possibly her death certificate if they tried harder, and that my number was on the do not call registry.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX, XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX, XXXX, XXXX XXXX XXXX Never XXXX XXXX XXXX XXXX XXXX with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Product: Debt collection

I apparently had a balance on a medical service that I recieved from  XXXX   XXXX  Hospital. I had paid the up front deductible at time of service. I never received a bill or notification of a balance owed not covered by my medical insurance. I only discovered this myself because I have  XXXX   XXXX  on my smart phone. I 'm in the process of refinancing my home. I found a derogatory mark on my credit. I called  Professional Finance Company.  Right away they said this was an attempt to collect a debit. I ask was debit they said it was from  XXXX   XXXX  Hospital but could not tell me what the charges were for. I had to contact them myself. Which I did it was like pulling teeth. They said since it had gone to collections it would take some time to find out what it was for. many days later I found out what it was for and I called the  Professional Finance Company to  pay this debit and I was told it had already gone to the courts and I was already served. I had never received anything from the Collector, Courts or Hospital in regards to my debit. Not only was I change my original balance, interest and court fees. How is it possible for them to hurt my credit but also my creditability in my town. Without any notice. I did all the work. They can just SAY they sent me notifications and that proof enough?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, XXXX, and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, the companies consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's and Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian, XXXX, and XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , TransUnion, and   XXXX   the  XXXX  credit reporting agencies have failed to remove after three letters from myself to remove Unverified information from my consumer file.  XXXX   XXXX   XXXX   XXXX   XXXX . This in violation of Fair Credit Reporting Act.   If said information is not removed then monetary damages will be pursued under Sect ion 616 and Section 617.
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that FMC-XXXX XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and discovered XXXX and XXXX have failed to comply with FCRA guidelines Im asking that these accounts be removed immediately
Product: Credit reporting or other personal consumer reports

I have an UNAUTHORIZED credit account such as XXXX XXXX XXXX ( Acct # : XXXX ) ( XXXX XXXX and XXXX XXXX XXXX  ( Acct # : XXXX ) ( Trans-union ) XXXX I also have an UNAUTHORIZED hard inquiry - XXXX XXXX ( XXXX XXXX XXXX I also have an account that is inaccurately reporting on my credit report as well XXXX ( Acct # : XXXX  ) ( Transunion ).
Product: Money transfer, virtual currency, or money service

I started an account with Bill.com XX/XX/ 2022 because you can receive and send instant payments in all types as of XX/XX//2022 Bill.com is hold {$9800.00} of my deposited funds and will not give me reason. Also there wasnt nothing instant because here we are 5 days later with no payment..and I am expecting other deposits totaling over {$20000.00} usd. They should not be able to hold without explanation