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

Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate Consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigation that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systems issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister XXXX XXXX added me as a authorized user to her Discover account. XXXX listed the Florida address on my report but refuses to place the account on my credit bureau which would raise my score. Im shopping for a home loan, and the account would help me. The credit bureaus only list information that hurts me.
Product: Money transfer, virtual currency, or money service

XX/XX/2023, money to some unknown bank accounts through XXXX  on wells fargo, someone, and i think it was my little brother, sent money and im guessing he got scammed for some item not received or something through my bank account and was pressured to do so he said and got blackmailed, not sure he did not want to go in detail but he sent {$450.00}, {$350.00}, to one person on separate statements, and {$300.00} to another person, both people 's name look fake like XXXX XXXX & XXXX XXXX. This was all unauthorized on my end and unknown as i thought my little brother was downloading free games as he said. XX/XX/2023 i make a claim through the phone. i'm struggling to pay my debts and this incident has not helped nor wells fargo, i tried calling them, and after many operators a claim was set, but the person over the phone who made the claim made it against me in the sense that the claim done for the XXXX transactions were " authorized '' on my end when they were not, i made sure to say that they were unauthorized but thats how it was put by them. I get a letter saying it was closed as it was authorized when it was not, i call again today and said although closed they sent and did another case to XXXX themselves, and either the operator on the phone lied to me or something but gave me the XXXX case number filed by wells fargo and after hours of many operators none could find a case number relevent to the one given to me from wells fargo 's XXXX case just mentioned. I've been misinformed by wells fargo on " help '' that they've tried giving me and making it hard for me to get my money back, beyond displeased, i'm close to filing a police report and getting lawyers involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX  or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original open date is reporting XX/XX/2011 which is more than 7 years of negative reporting on my credit. This same company has also been reporting under XXXX XXXX XXXX XXXX for the same account and dollar amount. They also garnished my Federal Tax Refund for {$1200.00} well over 7 years ago to repay the amount they are still claiming owed.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer Identities as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Product: Checking or savings account

On XX/XX/XXXX, I made a currency exchange at XXXX, but it failed. There was also a mistake in the payee. At the same time, my family members had personal emergencies, so I made it at Bank of America immediately. dispute. I then made a refund on XXXX, but the refund took XXXX to XXXX working days to complete, so I couldn't wait. It wasn't until the next day that Bank of America returned the temporary credit of {$3400.00} to me. I thought that {$3400.00} had been disputed, and XXXX would be notified and there would be no need to refund it again. Until XX/XX/XXXX, I suddenly found that the number in my bank savings account became - {$4000.00}, so I called Bank of America as soon as possible. They said that because there were duplicate transactions, the number was correct. I check my account every day and there is no way this is happening. Besides, this {$3400.00} was the first thing I disputed. I asked customer service why there were XXXX duplicate {$3400.00}, and they said that the merchant refunded it to you on XX/XX/XXXX. I replied that this is not the case. I checked the account on XX/XX/XXXX, and there could be no duplicates on XX/XX/XXXX. Generally speaking, once I dispute it for the first time and the merchant detects it, there is no need to make repeated refunds. They insisted on saying it was right. I don't want to argue anymore. After disputing at that time, I never saw the {$3400.00} refunded to me by XXXX, only the {$3400.00} refunded to me by Bank of America. I suspect there is financial fraud in it. Please ask the relevant departments to investigate.
Product: Consumer Loan

I requested copies of the original contract with the original creditor in a dispute letter to GM Financial on XXXX XXXX 2015. I also requested a copy the repossession of a vehicle connected to the account, the bill of sale for the repossessed vehicle, verification the sale amount had been applied to the account and an accounting for all payments and charges assessed to the account. The creditor has failed to provide the verification that proves the validity of the account they have listed on my credit reports. They have not even acknowledged my request. Per the Fair Credit Reporting Act if verification can not be provided upon request then the account is supposed to be deleted from the consumers credit reports.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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

I have reached out to XXXX, Experian and XXXX  in written email and verbal communication without any success. I have been a victim of identity theft in which all three credit reporting bureaus have a copy of the police report. XXXX XXXX XXXX XXXX  is listing an account that isn't mine! I have reached out to all three credit reporting bureaus for over 12 months and the disposition is that where've in the midst of a COVID-19 pandemic and its taking longer. I understand but the law states 30 days sand its ben 1 year if not longer. 

I've reached out to the merchant XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX without any success. 

I've reached out to all three bureaus on XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion, XX/XX/1920 After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX please delete it Please correct my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of some accounts on my credit report that do not belong to me ; I found out about these accounts because today XX/XX/2019, I applied for a loan and I was not approved due to these accounts that are reflecting badly on my credit. I did not open any of those accounts and I did not give anyone permission to open those accounts in my name. I'm still trying to figure out who is responsible for opening these accounts without my permission and I have already filed a police report. I did not benefit anything such as money, goods, services or any other benefit from these accounts that were opened without my consent. I do not have any contract or agreement with any of those companies nor am I affiliated to them in any way. There is also a Bankruptcy on my credit that was clerically filed in error. It belongs to someone with a similar name.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX - Account Created The last week of the preceeding month was the month the company was contacted. 

The account history since creation has been somewhat consistent with payday loans but three existing mentions are using both payday and closed-end loan, and credit code type references. The payment dates were brought into standing. 

The original agreement was monthly repayment which was switched to bi-monthly after the agreement and verifications were complete. 

The company after a call about the payment change and the schedule, would not communicate about the difference and continued throughout. 

For the months of XXXX of this year, XXXX, the company has extended the preceeding month 's second payment to the following month at a fixed rate of approximately {$95.00}, with no more than {$12.00} fee for late payment which was originally to be included in a monthly payment minus the lateness. However the balance never reflected the dollar value balance supposed accurate. Payments of {$130.00} twice monthly minus a {$95.00} dollar admin, and fixed loan fee, {$3.00} per {$20.00} advance fee, and {$12.00} late fee is a few to many fees per code reference, with no mention for the coexisting references to credit, and the codes for loan ( closed end or open end ) does not seem accurate for an {$800.00} line of credit, nor loan or advance in the state of XXXX XXXX  or XXXX though the company sevices both. 

The schedule for credit is 30 days, and loan 28 days, whereas the advance has two options bimonthly and monthly. 

The repayment lapsed two months during an emergency leave of XXXX XXXX the state the account was created, and into XXXX. With one year of repayment and borrowing, their calculations still seem inconsistent with fixed rates and fees with no explanation and the balance not reflecting payment nor fees I read in the communications with the company. 

They were helpful in time I needed cash fast, but the understanding is different, and those three types of crediting laws are ambiguously not differentiated in the company word usage. 

I think an other reason, such as additional unnecessary information was gathered, for the inconsistency was present.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXXXXXX Balance : {$45.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$30.00} XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXXXXXX Balance : {$60.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, EQUIFAX reported several late payments marked as past due on several accounts reporting on consumer 's EQUIFAX account. One of the accounts is XXXX ( XXXX ). Its reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've already contacted XXXX XXXX XXXX XXXX ( XXXX ) in regards to the late payments, in which I submitted a good will complaint via phone to XXXX XXXX XXXX XXXX to update the accuracy of the account, and to update the late payments to reflect paid on time. XXXX XXXX XXXX XXXX refunded consumer of all late fees, but the account still has not been updated to reflect accurate and " PAID ON TIME ''. This inaccuracy is affecting consumer 's credit worthiness and fairness of reporting per FDCPA and FCRA standards of reporting and accuracy. EQUIFAX is obligated to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself. EQUIFAX knows an account CAN NOT report XXXX days prior to 30. I have already informed EQUIFAX that there is inaccurate reporting on THIS ACCOUNT. The other inaccurate account that's reporting on consumer 's report is XXXX ( XXXX ). This account is reporting inaccurate, consumer reached out to XXXX in regards to the inaccuracies of late payments being reported for XX/XX/XXXX, this XXXX account has always been in deferment, so there should never be any late payments reflecting on consumer 's credit history for any and all XXXX accounts. Per the XXXX XXXX data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that EQUIFAX is MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that EQUIFAX is deficient of its requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.
Product: Credit card or prepaid card

On XX/XX/XXXX, I booked a trip via XXXX XXXX XXXX a travel agency ) with a payment plan split into three transactions. The first of XXXX XXXX on XX/XX/XXXX, payment of XXXX XXXX and then on XX/XX/XXXX, for XXXX $ for a total of XXXX XXXX Then on XX/XX/XXXX, the trip was postponed due to covid which the policy promised a full refund due to covid related issues ( which this was one ). They had the option of a full refund or going on the delayed trip. I opted for a full refund. They said that the refund would take around 90 days. Eventually, after more than 90 days, I got an email saying they would process the refund in 5-7 days. I wasted and nothing was processed. after I emailed them about this issue the company stopped replying to all my emails. To combat this, I filed for a credit card dispute, and Discover only provided a refund for the first two transactions and not the third one. They were all the same purchase split into three transactions, so the decision makes no sense how only part of the refund is given when it was all the same.
Product: Credit reporting or other personal consumer reports

Request removal of inquiries on report it was not authorized by me.
Product: Debt collection

told girl on phone that myself as well as business was discharged thru bankruptcy, however she got rude and said i still needed to pay anyways. 

She then faxed a letter ( i Have copy ) saying they are going to file suit against a company that no longer exists and is in bankruptcy protection. Sent it back stating this but i fell this wont be the last i hear from her
Product: Credit reporting or other personal consumer reports

Name Subject : Request for Debt Validation and Account Sale Information Dear [ Collection Agency Representative ], I am writing to formally request verification of the debt associated with my account, as well as confirmation regarding whether my account has been sold to another agency. Please provide the following information in accordance with the Fair Debt Collection Practices Act ( FDCPA ) : The original creditor 's name, account number, and the total balance owed. 
A copy of the original signed contract or agreement that verifies my obligation to pay the debt. 
Documentation proving that your agency has the legal right to collect this debt. 
If my account has been sold or transferred, details of the sale, including the name and contact information of the new owner of the debt. 
Until I receive this verification, I request that all collection activities, including reporting to credit bureaus, be halted. If you are unable to provide proper documentation, I expect that this account will be removed from my records. 

Please send your response to the address listed above within 30 days of receiving this letter. 

Sincerely, XXXX XXXX Download the latest iOS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crdit Reporting act XXXX Account # 1234, has violated my rights.

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

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

XXXX XXXX - XXXX XXXX XXXX XXXX OF XXXX - XXXX
Product: Checking or savings account

Subject : Formal Complaint Regarding Account Issues with Fifth Third Bank Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue I have encountered with Fifth Third Bank, specifically regarding the handling of my Business Checking accounts. 

I maintain two separate Business Checking accounts with Fifth Third Bank in XXXX, IL. XXXX of these accounts, opened over two years ago, was initially subjected to a minimum balance requirement of {$50000.00}. Despite expressing my dissatisfaction with this requirement to the bank representative, XXXX XXXX, I was assured that maintaining this minimum balance would be beneficial to me, even though the account is non-interest-bearing. 

Recently, the balance in this account fell below {$50000.00} ( approximately {$30000.00} ), leading to the imposition of a $ XXXX  monthly fee. When I contacted the bank 's customer service, I was informed that this fee was legitimate due to the shortfall in the minimum balance. Notably, my other Business Checking account with Fifth Third Bank does not impose any minimum balance criteria, and both accounts have minimal transactions annually, well below XXXX per year. 

Despite assurances from XXXX XXXX XXXX, the bank manager, that the account type had been changed to one with no minimum balance, I was dismayed to find the {$50.00} fee charged to my account again this month. 

I am submitting this formal complaint to seek your assistance in addressing this matter. Specifically, I request your intervention to facilitate the reversal of the two {$50.00} fees charged to my account and to ensure that the account type has indeed been changed to one with no minimum balance requirements. 

I believe that the Consumer Financial Protection Bureau 's involvement is crucial in resolving this issue fairly and expeditiously. Your attention to this matter is highly appreciated, and I look forward to a prompt resolution. 

Thank you for your time and consideration. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on ( XX/XX/XXXX ) to remove the inacurate items that is UNKNOWN to me to bureaus. I came across the law today and according to the XXXX FCRA you are required to update any accounts or information not later than 4 business days after the ( XX/XX/XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a communication from National Credit Adjusters for a debt I incurred with XXXX XXXX XXXX that was dated for XX/XX/2021. This communication indicated settlement options available to me for this debt. I contacted them on XX/XX/2021 and spoke with XXXX XXXX ( XXXX ) and agreed to a settlement amount of {$1100.00} and scheduled payment on XX/XX/2021. I received confirmation # XXXX for the transaction. As we were wrapping up the call he mentioned that he had another debt for me with another company and asked if I would like to set up arrangements for that debt. I indicated that I had not received any communication on that particular debt but I would call back. At that time he provided his extension and work hours. 

about a month later I noticed that the credit reporting associated with XXXX XXXX XXXX had not updated and submitted a dispute with the credit bureaus. I included the info regarding my payment that was made. My dispute came back that the debt collector provided info that the debt had not been paid. Eventually I realized what they did- they took the payment I made that was intended for XXXX XXXX XXXX and applied to the other debt. The other debt has never showed up on my credit nor have they ever sent any communication for that other debt. They have only communicated regarding XXXX XXXX XXXX. 

I am disturbed that they have employed such a tactic by misleading me as to how my payment would be applied. They never disclosed that the payment I agreed to on XX/XX/2021 would be misapplied to another debt. I am including a copy of the communication which includes my notes that I wrote on the day the I agreed to paying XXXX 

just to be clear my dispute is with National Credit Adjusters - mailing and contact info is XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ; XXXX, KS XXXX Toll free - XXXX ; Fax XXXX NCA Account XXXX - XXXX