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

I am writing to express my deep dissatisfaction with the ongoing presence of late, closed, and charged-off accounts on my credit report, despite making repeated attempts to have them removed. This letter serves as a formal complaint regarding the handling of my credit file. 

Despite providing evidence of inaccuracies and engaging in due process according to the Fair Credit Reporting Act ( FCRA ), I have not seen any meaningful resolution to this issue. 

The inclusion of these erroneous accounts has hindered my ability to secure favorable credit terms, obtain loans, and pursue other financial endeavors. Furthermore, it has caused undue stress and frustration as I continue to navigate through this ordeal without any tangible progress. 

I demand immediate action to rectify this situation. Specifically, I request that the aforementioned late, closed, and charged-off accounts be thoroughly investigated and promptly removed from my credit report. Additionally, I expect a formal explanation for the repeated failure to address my concerns in a timely and satisfactory manner. With this, I am asking for your assistance to remove these accounts in my credit file XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$200.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained my free credit report through the XXXX cite. After revising the information in depth. The XXXX on the Experian report was incorrect. The addresses shown only XXXX were correct. Additionally, accounts that I have closed and paid off still list on the Accounts open, and also credit cards that are XXXX XXXX XXXX still reflect under XXXX Accounts. I show XXXX to XXXX accounts open which in incorrect.
Product: Credit reporting or other personal consumer reports

I never applied for an account with your financial institution and for that reason all accounts appearing on credit reporting is considered fraudulent. Within federal laws governing credit reporting, each account should be carefully investigated and removed effectively. Thank you.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged late fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reaching out to you because there are many hard inquiries on my account that should not be there and or I did not consent to. For instance there are 4 or 5 pertaining to my buying a house. I was told that there was a grace period where the hard inquiries would be waved. In any case, I was unaware that shopping for better rates with different banks would affect my credit score in such a bad way. I was actually told that my wife and I could shop for mortgage lenders without penalty. Being that this was our first time ever buying a home, we feel like we were taken advantage of. Both of our credit reports reflect several inquiries that seem to resulted it lower our scores by what we consider a substantial amount. The following are reflected on both, my XXXX  and Transunion ; and I'm assuming my XXXX as well : XXXX XXXX XXXX XX/XX/2018 XXXX XXXX- XX/XX/2018 XXXX XXXX XXXX XXXX- XX/XX/2018, XX/XX/2018 XXXX XXXX- XXXX . We eventually went with XXXX XXXX XXXX XXXX  but as I stated above, through the entire process, my credit was pulled 4 or more times. I never gave XXXX   permission to run my credit the way they did. They were given permission for a pre-approval and the did 2 hard inquiries. All of these inquiries are disheartening. I was told I would not be penalized while house shopping ; and, I was Also, I went to XXXX  dealer ship in XXXX CT, on XX/XX/XXXX. I gave them permission to run my credit once, as a co-signer and they ran it themselves and through XXXX XXXX. Some of the inquiries on my credit report are nearly a year or so old. Before I bought my house in XXXX, my credit score was averaged at a XXXX. Now I'm being told it is at a XXXX ; all I did was by a house in that time, and my mortgage is always current. I don't understand I it went down over 100 points. 
If, you can help with getting a number of these inquiries removed I'd greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account has violated my rights. 
15 U.S.C 1618 section 602 A. States I have the rights to privacy.

15 U.S.C 1618 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 1666B : A creditor may not treat payment on a credit account under an open end consumer credit plan as late for any reason.
Product: Credit card

On XX/XX/year>, I flew XXXX from XXXX to XXXX XXXX ( XXXX XXXX flight XXXX seat XXXX ). I made purchases of two tequila  beverages ( {$20.00} ), a sandwich and a cheese/crackers package ( {$37.00} ), and nothing else. However, I was charged an additional {$27.00} that I did not recognize nor authorize. When I went to claim that there was a fraudulent purchase on my account, capital one made the determination ( solely based on assumption ) that there was no fraud and I would be on the hook for the {$27.00}. However, I simply did not make the transaction and was asking for assistance in resolving the issue. XXXX, from capital one, rudely made false statements and terminated the call without providing any assistance as to what additional information or evidence I could collect to provide toward a resolution. I am submitting this complaint because I have concerns regarding capital ones practices for identifying fraud ( I believe their steps to be insufficient and their definition to be narrow/flawed ). I am also submitting a complaint about how unprofessionally they handled the event.
Product: Credit reporting or other personal consumer reports

Over 45 days ago, Experian and XXXX were notified that they were reporting an erroneous account, XXXX XXXX XXXX XXXX, as part of CFPB complaint XXXX. I requested the removal of this account, as XXXX had already deleted this inaccurate information. Since then, XXXX has complied and removed the account, but Experian has failed to do so or provide any justification for its continued reporting. 

I have reason to believe that no proper investigation was conducted. As a result, I have attached a true bill for Experians negligence, failure to investigate, and non-compliance with FCRA regulations. I expect payment to be remitted to the address listed on the invoice, along with the immediate deletion of this account within 14 days.
Product: Credit reporting or other personal consumer reports

See the attached FTC report and remove the following unauthorized inquiries from my credit within 7 days : XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XXXXXX/XX/XXXX EXPERIAN
Product: Credit reporting or other personal consumer reports

I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed account listed below on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide consumers with a description of the procedure used to investigate disputes within 15 days of receiving a request.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, it is imperative that all credit information provided is accurate, transparent, and fair to protect consumer rights.

Below are the details of the disputed account : Name of Account and Account Number : XXXX XXXX XXXX - XXXX I kindly request that you provide the following : A description of the procedure used to investigate and verify this account. 
The source of the information relied upon to verify the account. 
If the disputed account can not be deleted immediately due to inaccuracies or unverifiable information, I expect the requested description of the investigation process as required by law. 

I appreciate your prompt attention to this matter and look forward to receiving your response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.
Product: Mortgage

Flagstar mortgage company 's escrow department issued at total of {$10000.00} in gross error. {$4600.00} was issued on XX/XX/XXXX for a policy cancelled in XXXX. On XX/XX/XXXX they issued a payment of {$2900.00} to the correct insurance company then issued a second payment to the same company on XX/XX/XXXX for a total of {$10000.00} in 7 days. 
Since XX/XX/XXXX I have spoken to flagstar mortgage 5 times for an approximate phone time of 1-2hr per call. The insurance department has no explanation for the error and the escrow department has a shortage of {$7600.00} resulting in an {$800.00} increase of my monthly note and informs me until the shortage is resolved there is nothing they can do regarding the next payments extreme increase. It has been my responsibility to contact the insurance companies, request refunds, follow up on refund status, XXXX mail service. 
This has been extremely time consuming and frustrating as Flagstar 's departments do not speak to one another causing constant transfers of call with ridiculous wait times. To date, I am awaiting refunds via mail with great concern in trust that this company can accurately manage the loan services agreed upon. This in not the first time I have experience insurance and escrow errors with Flagstar.
Product: Bank account or service

I returned some shoes to XXXX. I got a refund of on XX/XX/XXXX for {$98.00} for the first pair but not for the second pair which should 've been {$140.00}. This was confirmed by my bank. Chase made a transaction dispute several times but took back the temporary credit that they gave me each time and said that there was nothing that they could do. Chase said to take it up with the vendor. XXXX insisted that they sent the refund and that I should take it up with my bank. XXXX also sent an invoice and receipt of the refund transaction. What should I do? Who is liable? I do n't have the shoes or the money.
Product: Credit reporting or other personal consumer reports

Synchrony bank is reporting my account as charged off/bad debt. However, this account has been paid and settled.
Product: Debt collection

ERC is fraudulently reporting my credit information and re-aging my account. They are fraudulently reporting the account as being 1yr and 11months old when in fact the account is close to 6 years old in order to prevent the account from closing due to reaching statute of limitations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ), due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) AND Regulation E. These actions have caused signifcant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My credit report shows several accounts that I did not open, which have significantly lowered my credit score. These entries are inaccurate and do not reflect my financial activity
Product: Credit reporting or other personal consumer reports

There are several inaccurate late payments on my consumer report. I am demanding that these companies show me concrete proof that I was ever late on any account by sending my the accounting records of each following account number. [ XXXX  XXXX Account Number : XXXX ] [ XXXX  XXXX Account Number : XXXX ] [ XXXX Account XXXX : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX  XXXX XXXX Account Number : XXXX ] [ XXXX XXXX  XXXX Account Number : XXXX ]. Pursuant to 15 U.S. Code 1681i I am also requesting the procedure you used to " verify '' these inaccurate late payments.
Product: Credit card or prepaid card

I signed up for a Capital One Quick Silver Credit card, and got approved. The reason I chose this credit card was because I saw the advertised New cardmember bonus which would reward you {$200.00} if you spent {$500.00} in the first 3 months of owning this card. I signed up and turns out I didn't get the Newcard member bonus. So I called them and they explained that basically based on my credit score, I didn't receive the bonus. But nothing in the disclosures of this benefit says anything about not receiving the full benefits of the advertised {$200.00} Newcard member bonus. All it says and I fully read it, is that if you already have or have previously had a Captial one account you may not be eligible for this bonus. I never had a Capital one Credit card or account this is my first time. So they lied, made it up probably that it was cause of my credit score that I did not receive the bonus. I was unfairly denied the newcard member bonus. I should have received this benefit as it was advertised and I fell under the requirement which is being a new member. But I did not receive the bonus. I want to have the bonus that was clearly advertised as so, and also did not state that certain conditions apply in the advertisement. Just it saying new members get a {$200.00} bonus if they spend {$500.00} within the first 3 months of owning the credit card.
Product: Debt collection

On XXXX at XXXX I received an alert on my XXXX XXXX on the cell phone app for monitoring my credit daily and I got a notice that I have a COLLECTIONS EXCLUDING MEDICAL alert so then I click on the alert and read : 12 XXXX XXXX XXXX  and N/A for contact number and no account number reference and no date. On XXXX at XXXX I received a notice on my XXXX XXXX that I have one open account in collections XXXX and XXXX for the sum of {$890.00} for Midwest Recovery Systems XXXX I DO NOT HAVE ANY CASH ADVANCES AND I NEVER GOT ANY LETTER.
Product: Credit reporting or other personal consumer reports

Please see supporting documentation pertaining to Equifax data breach
Product: Credit card

The MasterCard bank sent me a letter XX/XX/XXXX saying they are reducing my credit limit to {$870.00}. They cited such things as " variance in monthly payments on the account last quarter '' and that XXXX provided some of the information for the decision to reduce my limit. I called the bank several times and they could not tell me how they made the decision in light of a perfect on-time payment in full history since I opened the account in XXXX. The limit reduction to {$870.00} from {$10000.00} made the card practically useless. The bank said they would consider my complaint and let me know in 30 days. Meanwhile I got credit reports from all XXXX  agencies -- all showed a history of paying balances on time in full for all my credit cards -- a history going back decades! My credit score has been XXXX for many years. When I told the bank these facts, they still refused to restore my limit. I did have an unusual balance last quarter because I paid for XXXXXXXX XXXX XXXX with the card. Even though XXXX month was {$8600.00} it was paid in full on time. Subsequently I asked the bank what my former credit limit of {$10000.00} was good for. Is it the bank 's policy to enforce a lower limit than the stated limit? The XXXX rep told me there were no adverse data on my credit report and he said that XXXX did not recommend anything to the bank. The bank made the decision. It is a terrible way to treat a stellar customer. I still would like to know when they will restore my limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit Card Account XXXX XXXX XXXX XXXX XXXX ) was sent to the credit bureaus as a XXXX late in XX/XX/2022 which took my score down XXXX points with Experian. 
I was issued two cards one with a $ XXXX limit and the other $ XXXX limit. One of the cards was compromised and a new one needed to be issued. After receiving the new card, it was not automatically set up on auto payment as the one it was replacing. Unbeknown to me their new website would not roll over the same auto payment information from the previous card or let a member set up auto payment anymore. Therefore, I called to get it all straighten out. I spoke to a person that told me the best thing to do was to combine the two cards that way it would only be one card. So of course, I agreed, then come to find out they kept the card that had previously been reported 30 days late. For some reason they are the only ones that can process automatic payments on their side. I disagree to have a XXXX late reported on my credit reports, due to it was not my fault they upgraded their system and without my knowledge my cards were no longer on auto pay.
Product: Mortgage

I missed a mortgage payment in XX/XX/2023 because I had to get a major car problem fixed and on top of that my XXXX XXXX XXXX XXXX XXXX XXXX ; I still make payments but just not on time and Im a couple months back and willing to do anything to get my account back current.
Product: Checking or savings account

My personal information was compromised which led my chase account to be hacked. I provided the branch with police reports stating that I am a victim of identity theft. Fraudulent credit cards and transactions that I did not authorize resulted in my account to be restricted. I spoke with someone in the fraud department at chase and I was told that it was possible to get my account under control. However, whats confusing is how Im being told different things from different representative.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2024 I agreed to a settlement with debt collection agency XXXX XXXX that was working on behalf of Affirm to collect on XXXX different accounts I had with them. XXXX XXXX and I agreed to a debt settlement on both of my Affirm accounts, meaning that I pay a percentage of the amount owed and then the rest is written off and the accounts are closed. I paid the agreed upon settlement amounts as listed in the included documents and waited for my credit report to be updated. Upon checking my credit report the following month, Affirm was still reporting that I owed {$170.00} and {$250.00} ( the amount left over that was to be written off after the settlement I agreed on ). I contacted Affirm and they claimed that XXXX XXXX was still reporting that I owed money and had no knowledge of a settlement. Affirm is unwilling to contact True Accord on my behalf or review the documents I obtained from True Accord containing our agreement, affirm is also completely unwilling to work with me directly and says I MUST use their third party debt collector. I called XXXX XXXX and they claimed that they had reported the settlement to Affirm and were also unwilling to contact Affirm on my behalf. After contacting both Affirm and XXXX XXXX, I filed a dispute with the credit reporting agency XXXX. XXXX evidently reviewed both accounts but still sided with Affirm even though I included the documents containing my agreement with Affirms debt collector and the payment confirmation. Affirm has still made no effort to correct their error and is still refusing to contact their debt collector XXXX XXXX on my behalf to verify our agreement and payment or review the documents I have providing this.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company says my payments are 30 days late and also say that Im bankruptcy. Keep on getting letters.
Product: Debt collection

Credit collection company continues to harass and reach out to my family members Thru phone calls and text messages. I am estranged from my family and being threatened about the calls I have asked the agencies to not contact any one I have asked for proof of debt.
Product: Credit card or prepaid card

On XX/XX/2021 there was a fraudulent XXXX charge put on my Bank of America visa credit card account. Bank of America said that XXXX sent them documentation that an authorized user on the account made a purchase and it included an order number, item number, and USPS tracking number. The only authorized user on the account is my wife and she did not make this charge. The day before my wife charged some clothes over the telephone using that card. She gave her name, address, and credit card information over the phone to an order clerk. I believe that information was used to open an XXXX account to make the order. I sent a police report, the reporting officer 's name and phone number, the police detective 's name and phone number that is on the case, and the USPS Postmaster 's statement that the item was delivered to a different address, but in the same city. I included the Postmaster 's name and phone number also. I have called the Bank of America fraud line numerous times, waiting on hold from 15 to 45 minutes each time, but get a different person every time and get nowhere with them. This has been going on for over two months and I'm feeling helpless trying to get my money back.
Product: Credit reporting or other personal consumer reports

unauthorized reports, which affect my credit life. 

Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They never got a hold of me I tried disputing because I am not aware of this account. They continue sending my disputes back.