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

XXXX XXXX XXXX received a Billing Error Dispute notice from me dated XX/XX/2022 to both addresses provided by them at XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX and XXXX XXXX XXXX, XXXX,, Pennsylvania, XXXX. I sent the same Billing Error Dispute notice to XXXX XXXX XXXX XXXX authorized signatory, XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York, XXXX. Attached is a copy of the Billing Error Notice and other correspondence between myself and XXXX XXXX XXXX. 

Documentary evidence required to resolve a Billing Error dispute must be accompanied by the general ledger in accordance with the Generally Accepted Accounting Principles and signed by the person responsible for maintaining the ledger. Federal Rules of Civil Procedure, Federal Rules of Evidence, Rule 1002 states that I am entitled to the original. 

My recent XXXX, Experian, and XXXX consumer reports show that neither of you three properly investigated the accuracy or validity of the information before being furnished and reported. This account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. 

Not taking the time to conduct a proper investigation, as required by the Fair Credit Reporting Act, before allowing false and prohibited information to to be furnished and reported on my behalf has caused my reputation to be tarnished and my character defamed especially since your scoring system is based on my transactions and experiences. A few examples of my transactions and experiences are my payment history, credit limit, and debt utilization. Since all of those factors I listed affect my credit rating and score you are all currently aiding and abetting XXXX XXXX XXXX in committing fraud and extortion. By advertising this alleged debt to me and or any other person through any means, including but not limited to a consumer report, you all may be participating in debt collection practices and acting as financial institutions. Advertising this alleged debt, which directly affects my credit score and rating, is an indirect way of helping to collect the amount of the alleged debt from me by coercing payment to XXXX XXXX XXXX. 

However I do comprehend that sometimes things get overlooked, mistakes are made, and errors happen. XXXX, Experian, and XXXX, please take the time to thoroughly investigate this account and gather all the lawful documentation needed to resolve this issue. Please send me copies of all information and documentation used during this investigation to my current address. As previously stated XXXX XXXX XXXX received a Billing Error Notice and this account should be reporting as open, current, with no late payments, XXXX debt utilization, XXXX past due, and paid as agreed. The disputed amount may have change since the date of the dispute notice. Im disputing the most recent amounts reported and furnished.
Product: Credit reporting or other personal consumer reports

XXXX XXXX/XXXX PAYMENT STATUS Collection/Chargeoff AMOUNT PAST DUE {$1200.00} DATE OPENED XX/XX/2022 BALANCE {$1200.00} ACCOUNT TYPE Charge account CREDIT LIMIT {$300.00} HIGHEST BALANCE Never opened or applied for card. ID theft. Disputed with bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISOUTED ACCOUNTS HAVE BEEN REPORTING AS DEROGATORIES ON MY ACCOUNT, THOSE ACCOUNTS HAVE BEEN REMOVED OF MY CREDIT FILE AND ARE INACCURATE ACCOUNTS. THEY HAVE CONTINUE TO REPORT NEGATIVELY ON MY CREDIT AND HAVE CAUSE TREMENDOUS DAMAGE. THOSE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW LOANS AND I HAVE BEEN DENIED SEVERELY TIMES. I AM DISTRESSED THAT THOSE ACCOUNTS CONTINUE TO REPORT WHEN THEY WERE OFF MY CREDIT FILE. 

PLEASE INVESTIGATE THIS MATTER AND HAVE THEM OFF MY CREDIT FILE PERMANENTLY.
Product: Debt collection

Southwest Credit has been continuously blowing up my phone morning, noon and night. WHY? 
First of all these debt collection companies have to prove that the debt is mine which this company can not do. 
Southwest Credit has been repeatedly calling my phone on a daily basis with no specific data or reason. Just completely blowing up my phone and when I answer the tele, most of them do not speak. The ones that do claim that I owe them something! I've never done business with them! 
No one can give me any proof or accurate information about WHY THEY ARE CALLING! 

This is straight up harassment! They have called my cell at least 17 times in the last 7 weeks!!!!!!!!!! I am being inundated with calls for what reason?
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have sent paperwork pertaining to the fraud on my credit reports and it is not being submitted with my disputes. These accounts are still on my credit report, and this is a violation of the FCRA. And I am not getting copies of the verification process. The disputes I am submitting are not being followed.
Product: Credit card

To CFPB, I am submitting this formal complaint against XXXX, XXXX XXXX, and XXXX  XXXX regarding unauthorized credit accounts fraudulently opened in my name due to identity theft. Despite my efforts to dispute these accounts and request their removal in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), the institutions have failed to act appropriately. 

Background of the Issue : On XX/XX/XXXX, I became aware that five unauthorized credit card accounts had been fraudulently opened in my name : Three ( 3 ) accounts with XXXX ( {$6500.00} ), ( {$6200.00} ), ( XXXX ) totaling ( {$15000.00} ) XXXX ( XXXX ) account with XXXX XXXX XXXX ( {$6900.00} ) XXXX ( XXXX ) account with XXXX  XXXX opened XX/XX/XXXX ( {$6600.00} ) I did not apply for these accounts, nor did I authorize anyone to do so. 
As soon as I became aware of the identity theft, I took the following actions : Filed an identity theft report with the Federal Trade Commission ( FTC ). 
Contacted the credit bureaus and requested fraud alerts and credit freezes. 
Sent written disputes to XXXX, XXXX XXXX, and XXXX  XXXX, along with a copy of my FTC Identity Theft Report and a request to block the fraudulent accounts as required under FCRA 605B. 
Violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) : Pursuant to the Fair Credit Reporting Act 605B, when a consumer provides an identity theft report, credit reporting agencies and furnishers of fraudulent account information are required to block the fraudulent information from appearing on the consumers credit report. Despite my submission of the necessary documentation : XXXX, XXXX XXXX, and XXXX XXXX failed to remove the fraudulent accounts. 
The credit bureaus have not blocked these fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of inaccurate information from my credit report. I have attached a copy of my credit report, with the inaccuracies clearly highlighted. The disputed account in question is related to XXXX XXXX with an account number XXXX Under the Fair Credit Reporting Act ( FCRA ), it is mandated that credit reports be accurate and consistent. As of my review, the information reported by your agency is neither accurate nor consistent. The primary concern is the discrepancy in the " Last payment date '' for this account as reported by each of the three major credit bureaus : - XXXX : Last payment Date reported as XX/XX/2022- Equifax : Last payment Date reported as XX/XX/2022 - XXXX  : Last payment Date reported as XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report these are not my items reporting.
Product: Credit reporting

I previously filed a complaint with XXXX and received a satisfactory response. However, XXXX and Trans Union reported inaccurate information on the same XXXX XXXX Bank accounts. Should n't XXXX Bank be held accountable for providing the same accurate reporting to all credit reporting agencies?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX, XXXX XX/XX/XXXX XXXX Credit Bureau Name Bureau Address Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/XXXX Accounts are being reported with different either different payment statuses or the balance is {$0.00}. Under date last active. If this is the same account being reported by the same creditor why is the information different? Furthermore, if my balance is XXXX, why is the account still on my credit report?
Product: Credit reporting or other personal consumer reports

Victim of fraud. My Information has been sold to the dark web. FTC reported Ever since someone has been trying to fraudulently using my identity I Have been trying to contact Transunion regarding fraudulent inquiries but no answer due to high call volume. 

These are the unauthorized Inquires on my consumer report. 

XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, and XXXX XXXX . 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 an 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 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 cause to believe that the information is inaccurate.
Product: Mortgage

I have a closing on my new home in 48hrs XX/XX/XXXX. In order to close on time, I need my Partial Claim Payoff Statement. I can only get my Partial Claim Payoff Statement from ISN if my lender Midland Mortgage has filed my Partial Claim in the HUD computer system. I have email confirmations from HUD & ISN stating Midland Mortgage has yet to file my partial claim in the HUD system. I have reached out to Midland Mortgage several times trying to get them to file my Partial Claim in the HUD system. Ive been making phone calls, sending emails, sending faxes and letters to Midland Mortgage since XX/XX/XXXX trying to get this resolved. I need Midland Mortgage to file my Partial Claim in the HUD computer system immediately so that ISN can generate my Payoff statement and I can close on time this Friday XX/XX/XXXX Loan XXXX FHA Case XXXX XXXX XXXX
Product: Vehicle loan or lease

on Thursday, XX/XX/XXXX, XXXX Chase Bank Reposed my Car with Absolutely no intentions of returning the Vehicle to me. I made calls to Chase Redemption Dept. on XX/XX/XXXX & XXXX, but unbeknownst to me, they had already put a letter in the mail dated XX/XX/2021 Stating of their intensions to Sell the Vehicle ( on Sunday XX/XX/2021 ) .In spite of me speaking to a supervisor and stating that I had asked for help since my job as a XXXX had stopped because of another COVID19 outbreak ( happened upon XXXX opening ). I told this information to the supervisor ( XXXX Is his ID # ) That I would like to have the opportunity to catch up the balance and become current on my payments. He was constantly saying that i didn't honor the contract and that i could not get the car back. I followed up with the Chase Corporate office and was given a case # and worker, Ms. XXXX XXXX. I spoke with her on XX/XX/XXXX and finally on XX/XX/2021, only for her to echo the same words of the Redemption Dept. But, she also stated that they said I had a lot of return payments in the Automated system ( which i don't believe is my fault-if I said that I didn't have the monies, And also said that i needed help with my payments ) .And why would CHASE Constantly attempt to get payments through the AUTOMATED System when I clearly stated that i DIDN'T have the monies? She simply told me what was already stated. So I told her that because of this National Emergency ( because of the Pandemic ) it would seem like Chase ( Auto ) Bank would be in the business of trying to work with their clients in these special times And Not stealing their customers Cars ( Only to turn around and Re-sale the Car again ). I asked her to put our conversation in writing, but she said that she'd have to find out if she could do this. I believe that CHASE AUTO has treated me unfairly ( Esp. during these Hard times ) And they could've given me the Option to become Current, But they Chose to be bullies and Straight up SHYSTERS!!! Please help me with this issue as I believe that this company is doing this very same thing to Other customers and maybe a CLASS ACTION LAWSUIT Needs to happen for them to stop this Unscrupulous act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry on my credit report, I was approved for a credit card from the company and did not appear as a hard inquiry. A few weeks later, randomly, a hard inquiry from capital one appeared on my credit report. Tried to fix this problem with the bank, they Can not help me. It i
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get my Equifax credit report disclosure by contacting them directly on XX/XX/2021, I was not successful. My internet ( online ) service is spotty to obtain the free annual weekly report online. I have lived at the same address for over 8 years, have not placed any fraud alerts on the report. Further, I have been successful each year having a credit report disclosure sent to me. 

Having an automated recording telling people to send a letter with identity documents is not very smart during Covid, especially, when a lot of people have immune compromised health systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Student Loans totaling {$71000.00} were closed when I started receiving Social Security XXXX. XXXX reopened CLOSED STUDENT LOANS. I am XXXX XXXX. I have tried to resolve this issue with XXXX. 
I am XXXX years and I have been XXXX XXXX since XXXX. 

My student loans were closed In two parts XX/XX/XXXX, XXXX XXXX XXXX XXXX have harassed me relentlessly calling, send letters and emailing me. 


Attached are copies of closed accounts
Product: Money transfer, virtual currency, or money service

My phone logged me out of my coinbase app last week. I have tried to log back in so I can cash out my money, but it asked for a two-factor authentication, and the number that is associated with my account is the one from when I was stationed overseas in XXXX. I tried changing the number and doing an ID verification, but because my ID isn't from XXXX, it wouldn't let me verify it. I've tried calling and emailing multiple times and selecting multiple issues, but I've not had any luck resolving this issue.
Product: Bank account or service

I have been getting wrongfully charged overdraft fees since since XXXX by Regions bank.
Product: Checking or savings account

Opened CD account with XXXX XXXX XXXX on XXXX XXXX XXXX. XXXX XXXX CD recently taken over by " US BANK ''. 
CD reached maturity on XXXX XX/XX/XXXX. 
Called US Bank on XXXX XX/XX/XXXX at XXXX XXXX. Told my account would be closed and I would be sent a check for sum due. 
Called US Bank again on XXXX XX/XX/XXXX at XXXX XXXX  since check not arrived. Again I was told that the check " was in the mail ''. They informed me that the check was mailed on FRI XXXX XX/XX/XXXX. 
Called US Bank again on XXXX XX/XX/XXXX at XXXX XXXX  since check had not arrived. I was told that the account was not closed/processed until XXXX XX/XX/XXXX and AGAIN told that the " check was in the mail ''. 
Received a letter form US Bank today ( XXXX XX/XX/XXXX XXXX entitled " Recent activity on your CD account ... ''. They were allegedly notifying me that the account was closed. They wanted me to be aware and that no action was required if I was party to the closure of account. I have still not received the funds! 
In my opinion, this is an extraordinary and unwarranted delay in reimbursing me. I have no idea when I will receive funds. If it had truly been mailed on XXXX XXXX, I would have received it by now. They are delaying reimbursement on monies due me ...
Product: Credit card

I am a meXXXX. The name of XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX. My customer won a credit card chargeback dispute and kept my material. She got her money back and got a free fence and doesnt have to return the goods. Im speculating that Im not the first merchant she has defrauded. 

On XX/XX/year> XXXX XXXX paid {$3600.00} with her Discovery credit card from a XXXX invoice we emailed to her. The fence material was shipped and installed by XXXX ( she sent us pictures of the fence ). 

On XX/XX/year> XXXX XXXX wanted additional fence products and paid {$410.00} with her Discovery credit card from a XXXX invoice we mailed her. We shipped this out and she received it. 

On XX/XX/year> XXXX XXXX disputed both above charges. Dispute Reason : Goods/services not as described. I offered XXXX to return the goods she purchased for a full refund, but no response. 

On XX/XX/year> XXXX emailed me with this message from the cardholders bank : XXXX XXXX XXXX XXXX, We challenged this payment dispute on your behalf using the information you provided. Unfortunately, the cardholders bank has resolved the case in the cardholders favor. The funds she used to purchase the material from us are now back in your bank, and her fence is installed at her house. 

I dont understand why I lost this dispute but now I just want my material back. Her complaint wasnt that she didnt receive the goods, it was because the goods werent as described. 

My payment processor, XXXX, said theres nothing they can do. I dont know where else to turn to recoup my material. XXXX XXXX XXXX is located in Colorado, and XXXX XXXX is located in NY and dont have the resources to file legal actions against XXXX XXXX 

I hope you agree that people like this should be stopped, but there seems to be no protection for merchants that are trying to do the right thing. 

I would be grateful if you could help me.
Product: Credit reporting or other personal consumer reports

There was a Identity Breach and I know some items I do not have attachment to.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX an account with XXXX XXXX was opened and closed XX/XX/XXXX I talked to several reps a XXXX  and XXXX told me it was my account I asked how was it mine and the phone number that was attached to the file wasnt mine! Which was XXXX my number is XXXX Ive submitted a police report with XXXX and they still will not remove the file from my credit report! XXXX and XXXX took the item off.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report maintained by XXXX. Pursuant to 15 U.S.C. 1681o, which holds credit reporting agencies and furnishers liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), I am requesting immediate correction of the following erroneous data. 



Disputed Information : Account Name : XXXX XXXX, TARGET/TD Inaccuracy : Account does not belong to me Correct Information : Account does not belong to me I have attached copies of relevant documents that support my claim, including [ list any supporting documents such as payment records, letters from creditors, identity verification, etc. ].

Under 15 U.S.C. 1681i, credit reporting agencies must investigate disputes within 30 days and correct or delete any inaccurate, incomplete, or unverifiable information. Furthermore, failure to comply with the FCRA due to negligence makes the responsible party liable for damages under 15 U.S.C. 1681o, including any financial harm I have suffered as a result of this error. 



If the disputed information is not corrected within the legally mandated timeframe, I will pursue further legal remedies, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages in civil court. 



I request a written response confirming the resolution of this dispute. You may contact me at the address or phone number listed on my file or contact me for a better contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and noticed violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts. Secondly according to the 15 us code 1681.The law clearly states 1. Accuracy and fairness of credit reporting. The Congress makes the following findings : 2. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

I sent out a letter To Verify The Accuracy On Credit Report and I did not get a response. So I send out another letter just in case they didn't receive it still no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted.

I have the list of accounts thats inaccurate and its in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. I need financing for a car and this inaccurate report is hindering me. As the consumer.