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

I am writing to formally dispute inaccurate late payment reports on my credit file related to the following accounts : XXXX. XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 
XXXX. XXXX XXXX XXXX : Account # XXXX Issue : Incorrect late payment reporting. 

Under federal law, creditors and credit reporting agencies are obligated to ensure the accuracy of the information they report. The inaccurate reporting of late payments violates my rights as a consumer under the following statutes : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i Reinvestigation of disputed information : Under this section, when a consumer disputes an account, credit reporting agencies must investigate the dispute within 30 days and remove or correct any inaccurate information if it can not be verified.

15 U.S. Code 1681s-2 Responsibilities of furnishers of information : This section requires that companies furnishing information to credit reporting agencies provide accurate information. If a consumer disputes the information, the company must investigate and report accurate results. Any false or unverifiable information must be removed. 
15 U.S. Code 1681e ( b ) Accuracy of the credit report : Credit reporting agencies must follow reasonable procedures to ensure that credit reports are accurate. Failure to do so is a violation of the law.

2. Fair Credit Billing Act ( FCBA ) : 15 U.S. Code 1666 Billing error resolution : This law provides protections in the case of billing errors, including incorrect late payment assessments. It gives consumers the right to dispute these errors in writing within 60 days, and creditors must investigate.

3. Truth in Lending Act ( TILA ) : 15 U.S. Code 1601 et seq. Fair lending and accurate disclosures : TILA requires lenders to provide clear and accurate disclosures regarding terms and conditions of credit accounts. It mandates fair treatment of consumers and helps to protect against unfair or inaccurate billing practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My lease vehicle was involved in a car accident on XX/XX/XXXX. I was not the driver, my son was driving. I contacted XXXX XXXX to find out what the next steps would be, if my claim was denied. I was told, in a recorded conversation by XXXX XXXX, that " we would need to pick up the vehicle and sell it at auction. We would take that amount off the amount you owe and then we would file a gap coverage claim since all lease vehicles come with gap coverage '' I then called again to the Total Loss department and spoke with a different agent who stated they were waiting for XXXX  to release the vehicle. I contact Progressive and the vehicle was released on XX/XX/XXXX and picked up by XXXX XXXX on XX/XX/XXXX. Immediately after this, I had a credit alert notification that my vehicle was placed as 'Derogatory, Repossession ' My issue is the fact that after numerous calls ( nobody from XXXX XXXX has reached out to me ) I was never once told that if XXXX picked my vehicle up that it would hit my credit as a repo ( this was over 200 points against my credit report ). I am devastated at this. I was never given the option, or choice. It is all in their recorded calls. I have left messages for a supervisor to call me back, and still, not one call. I continued making my lease payments since XX/XX/XXXX so my credit would not have a negative impact. I have never missed a payment, or made a late payment, and now this. No calls to explain to me what is going on.

Please help!

Kind regards - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed there is an account for XXXX XXXX reporting on my credit profile that does not belong to me, I have sent dispute after dispute to both the creditor, and the credit bureaus ( Equifax Information Services ) and still nothing has been resolved, I recently sent a dispute to the bureau and the agency on XXXX XXXX and again on XXXX XXXX. I have sent numerous request to both the bureau and the creditor asking they provide me with court worthy documents this account belongs to me and I have not yet received those documents, the credit reporting agency ( Equifax Information Services ) has responded to each dispute the account has been " verified '' again no court worthy documents have been sent. This is negatively affecting my credit worthiness and I wish to have this remove from my credit profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I filed a report before and companies were suppose to freeze my credit when an application was submitted but XXXX  inquiry which is new still showed up
Product: Credit reporting or other personal consumer reports

i have disputed 2 accounts on my credit reports-across all 3 and it keeps coming back verified, without any documentation to support their verification. The creditor continually add or delete information each time it is disputed. the credit reporting agencies are not lookin at previous credit reports prior to support my claim of unsubstantiated verifications and unsubstantiated information that is being reported. 
All 3 of my credit reports are reflecting several different information being reported from XXXX XXXX and their supposedly original creditors. Information is constantly being updated or taken off my credit report by the creditor. this should raise a red flag as convoluted and generic information they are reporting and no one is asking for documentation to support their claims. I have noted several FCRA, XXXX XXXX and FDCPA rules that are being broken but are still being allowed to report to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im trying to get a job promotion which obviously comes with a raise XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

After being approved for a JC Pennys account through XXXX XXXX, I was unable to access my mail to receive my new card due to Hurricane Harvey. I explained this to SXXXX XXXX, asking if they could send another card to my temporary address. They declined because it was a " new account ''. Instead, they closed the account. I did not ask or authorize them to open another account. That was never discussed nor requested. 

I also requested Synchrony to cancel my application for the XXXX and XXXX XXXX credit card because of the hassle they were giving me. They did not In XXXX XXXX  store, I applied for credit. The store connected me with a representative from XXXX XXXX. I explained to the sales guy at XXXX and the representative on the phone that I did not want credit through XXXX XXXX and I only wanted XXXX XXXX credit ( which was approved ). I received a credit card from Synchrony almost two weeks later. I immediately contacted Synchrony via certified mail and phone asking them to remove that account. It should have never been opened. 

As a result, XXXX XXXX is reporting several accounts on my credit report. 
( 2 JCPenny XXXX, 2 XXXX accounts, and 2 XXXX XXXX accounts ). This is affecting my credit because it looks as though I have numerous account. This is not true and therefore is not in compliance with The Fair Credit Reporting Act, 15 U.S.C. 1681. They are reporting accounts as closed due to lost or stolen credit cards. I have NEVER reported any cards as lost or stolen. 

I never applied for second accounts nor request for them to. I never received cards for the accounts nor authorized anyone else to.
Product: Debt collection

I have not been provided verification of debt by Debt collecter LVNV FUNDING LLC. I do not owe a balance of {$690.00} I am still receiving email & letters stating I pay before legal action is take.
Product: Checking or savings account

I asked permission to deposit a financial aid check my mother received and owed to me and was told sure. They held it for XXXX  days and released the funds today and they were showing in the account but debit card did not work. Called support who placed me on with fraud and said they were closing my account due to not being able to verify the check and it being fraudulent. I contacted the school who after a long hold told me they were looking at the transaction, that the check had cleared XX/XX/XXXX and they were considered done as far as they were concerned. I called the bank and told them this and they said no that was incorrect and promptly closed my account which now shows XXXX dollar balance where it did show the check amount. Where is my money? Also was told I couldn't deposit the check and i told them to check the messages and they would see where I messaged and asked permission and was given some. I want my {$4500.00} because I will be out on the street Monday without it.
Product: Debt or credit management

Lexington Law firm I paid them to fix my credit and was charged monthly and never had any changes to my credit. My legal name at the time was XXXX XXXX
Product: Checking or savings account

I opened a checking account using an offer code for a XXXX dollar bonus to open an everyday checking account back in XX/XX/XXXX and I followed all the rules, but they did not award the bonus. After calling multiple times, they said incorrectly that I opened my account XX/XX/XXXX, then that I had requested to close the account. Talking to a supervisor, she said since there was no activity on the account for 30 days, it was closed. But she said XX/XX/XXXX was the last day of activity and I called today, XX/XX/XXXX. Then she changed it to XX/XX/XXXX. But who has ever heard of that? Closing a checking account after 30 days of inactivity? I had additional calls to them and one lady counted out the days that I should have the bonus by XX/XX/XXXX. That did not happen, so I called up and a man said he was submitting a form to research the bonus and that he would call me back by today, and he even sent me his e-business card in an email, but none of that happened, but the account was closed. I am real confused. Anyways, I talked to a supervisor again today XXXX many of them have thick XXXX accents and it's difficult to understand them XXXX and she said she was submitting a form to research it.
Product: Credit reporting or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

To begin, I am a XXXX XXXX living between my homes in XXXX and XXXX XXXX 
I do not have any USA green card, USA social security number or any other USA residency therefore my frequent visits to USA are strictly as a tourist and are limited to the time frames set by USA law. 
I am now XXXX 
I had an account which my company set up for me at XXXX XXXX XXXX  XXXX, Oregon, more than 40 years ago. This was setup primarily to receive my monthly salary. 
This then became Wells Fargo ( WF ) when WF purchased XXXX XXXX, also many years ago. 
I had 2 accounts at WF, a savings ( larger ) account and a checking ( smaller ) account. 
Over the past 6-9 months I received emails from WF advising that unless I could provide a USA address I would need to close the accounts. The total funds are substantial, all fully legal, tax paid salary etc. and saved up over more than 40 years with the same employer. 
I went to WF online some time ago and informed the USA address and linked that address to ALL accounts ( checking, savings, credit and debit cards ). The accounts have 3 names, mine, XXXX XXXX XXXX XXXX - full access ) and XXXX XXXX XXXX XXXX - person to be notified in case of my death ). 
Then last week a received an email that the checking account had been closed by the bank, no reason given. I checked online and sure enough, the account which had previously held close to XXXX XXXX was now closed with XXXX balance. There is also a note on the statement saying 'Account Closure - U.S. Residency Requirement not met '. There was no indication at all as to the XXXX XXXX  which was previously help in the account. 
I checked further and found that all 3 names and the USA address are clearly listed on bank statements for both accounts for many months so I have no idea why the account was closed. The larger savings account appears to be still active. 
Then yesterday a cashiers cheque arrived at my USA address in the amount which was previously held in the checking account which has been closed. 
So in reality the bank sent me a cheque to an address which they say they closed due to no USA address. 
This clearly makes no sense. 
I have only a single contact email address at the nearest WF branch to my USA address and have sent 2 emails requesting an explanation. I put a tracker on the emails so I know they were received. No response at all, totally ignored. 
I have various screen shots of all this and these are all available on request. 
Thanking you in advance, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute a debt with Experian and a collection agency that remains on my credit report. XXXX continues to say that the debt has been validated but I have never seen any documentation. I disputed the debt directly with the agency and they were never able to validate with me directly that this debt belongs to me. I filed a complaint against the agency with CFPB and they advised me that their client was not able to validate and that there was a name discrepancy and that the account would be deleted from my credit. As of today this has yet to happen. If the agency advised me that there is a name discrepancy, how is Experian saying the debt is validated? I uploaded the agencies response to my complaint to Experian that clearly says the account will be deleted and Experian still came back and denied my request saying the debt is validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit card or prepaid card

BANK of AMERICA frozen acct. never gave back money that was in account. money was never added to acct. they blamed XXXX. 
I have proof and all screen shots
Product: Credit card or prepaid card

On XX/XX/2021 we were contacted by XXXX XXXX XXXX located in XXXX, Florida regarding the XXXX  we own at XXXX XXXX, XXXX XXXX. Since we have not been using it, they guaranteed us that we will be receiving {$1800.00} a week, and they will charge {$390.00} a week ( 6 weeks ) A contract was downloaded for us to sign online. They just took us quickly to the lines requiring signatures or initials, without allowing us to see the full contract.They insisted the process needed to go fast. We thought they will send us the copy of the signed online contract, but we didn't receive it. The only page we received was the " XXXX Owner 's Right of Cancelation '' which states on second paragraph " You have un-waivable right to cancel this contract for any reason within 10 days after the day you sign this contract. '' We felt uncomfortable, and decided to call XXXX XXXX  the next day. XXXX told us we only have 2 weeks to use it, not 6 weeks. On XX/XX/XXXX XXXX 2 days after the online signing what we couldn't see, we sent a letter of cancelation, via certified mail to the XXXX XXXX XXXX ( copy attached ). We traced the tracking number and it showed that the cancelation letter was delivered to the front desk/reception/mail room on XX/XX/2021 at XXXX XXXX FL XXXX. They received the letter before the 10 days deadline. 

The amount of {$2300.00} XXXX $ XXXX XXXX was charged to our Citi Visa card on XX/XX/2021. We stop the payment and disputed the charge with Citi Visa on XX/XX/2021. The dispute was opened on XX/XX/2021 once Citi Visa received all proof of documents from us. We have been working with Citi Visa sending all the documentation and proof of cancelation. Credits were temporarily given by Citi Visa, however the final result given by Citi Visa is that " the merchant will not honor the request for credit based on the information provided. '' XXXX XXXX XXXX stated they never received the cancelation letter ( which is attached with all the documentation and proof of certified mail delivered to them ).
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, XXXX, Experian for failing to properly investigate my disputes regarding inaccuracies, proof of ownership and/or correct dates in my credit report.

Despite my submissions, the creditors responds back 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. Its been brought to my attention that these 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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX, XXXX, & Experian all comply with federal law and provides consumers with the necessary proof of investigation, original contracts to provide accurate dates/amounts/closures.
Product: Checking or savings account

XX/XX/XXXX charged a continuous fee of {$7.00} and a NSF Fee of {$36.00} XX/XX/XXXX charged a continuous fee of {$7.00} and a NSF Fee of {$36.00} My name is XXXX XXXX, Address is XXXX XXXX XXXX, XXXX, MN XXXX This is a new account, I was out of town due to a death in my family and did not realize my company had entered the last 2 numbers of my account wrong, therefore my DD 's did not hit and caused a overdraft. 

XXXX Sent an email to XXXX XXXX at the branch on XXXX XXXX and she said they would not waive the fees even though she was aware of the error. 

In a pandemic era, {$86.00} in bank fees is not reasonable. I will ensure I never have another one. Times and money are extremely tight and to me this is unethical and a money grab.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX  XXXX XXXX XXXX {$21000.00} DATE OPEN : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$4500.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$480.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} DATE OPEN : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive received a copy of my credit report on XX/XX/XXXX, and to my surprise I noticed that XXXX XXXX CT XXXX has been added back on my Equifax consumer report. I disputed the inaccuracy of this account before and the account was removed on XX/XX/XXXX ( see attached ) so Im confused as to why this item has popped back on my report. Under the FCRA 15 USC 1681i ( 5 ) ( b ), an item can not be reinserted into my credit report without written notice by a credit bureau to me within 5 business days of the reinsertion. 

Ive received NO such letter and would like for this item to be deleted again as this is a violation of my rights.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 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.