23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I applied for an installment loan / line of credit for {$5000.00} from XXXX / Comenity Bank but was denied citing " Limited credit experience ''. However, I feel I have been discriminated against due to my age. I believe the baby boomers who are processing these applications are jealous and will not believe that a Generation X young woman is making more than any of them in their entire career. My credit score with XXXX  is XXXX ; XXXX is XXXX ; and XXXX  is XXXX. I have a 100 % payment history with all of my accounts. My car loan was just refinanced by XXXX XXXX  and went from 11 % to 5 % because of my favorable credit history. I have a XXXX XXXX  credit card in excellent standing with a {$0.00} balance of a {$1500.00} credit limit. I have an XXXX store account in positive standing. I have a XXXX credit card in positive standing. And a XXXX  XXXX card with a {$0.00} balance in positive standing. My student loan balance doesn't exceed $ XXXX and they are in positive standing as well. I work as a XXXX XXXX for XXXX XXXX and my annual salary is $ XXXX. Prior to obtaining this position, I worked as an entry level XXXX XXXX for XXXX grossing $ XXXX annually. I have no issues with my credit, no issues with my payment history or my ability to repay any loan and significant income coming in monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau has 147 % credit usage on my credit report and incorrect credit card balances which is affecting my credit score.
Product: Credit reporting

The following company XXXX XXXX XXXX has placed their company name on my XXXX and Equifax Credit reports erroneously. This is a college/ university, I have never borrowed any funds from this company. I once attended this college XX/XX/XXXX. Federal Student loan assistance was used to pay for my education XXXX percent. This company has know legal right under federal law ( FCRA ) to report any negative information about me to the credit agencies XXXX and Equifax. I have been disputing this account with the bureaus, however it comes back " verified '' each time since XX/XX/XXXX. I have also requested validation of this alleged debt from data furnisher. What I receive from XXXX XXXX XXXX in reference to justifying this alleged debt, were documents showing I once attended their establishment. No legal validation/ verification has been provided to justify their company name on my credit reports.
Product: Credit card or prepaid card

So for over the last 6 months. I've been having issues getting destiny Mastercard to accept my monthly billing payments I enter ( using XXXX XXXX XXXX account ). It says payment received an I get a receipt then like a week later it shows reversed. My account was closed due to : to many reversal payments reasonings ( insufficient funds ). But my bank statements can verify that every Friday there's money an that I do indeed have receipts indicating paid them reversed. This issue is still happening even though my account is closed due to error on their behalfs. I accepted that decision an just been making payments til it's all over. I told them my problems are the same today and I was not getting help I needed to fix their errors. I've been building credit an it's like everytime I pay in advance ( before billing date ) to help out my credit. They over turn it back to my account after receipting payment received. Please go over my whole Mastercard reports to correct over charges, fees late fees and, or interest /credit downgrades to where they re all suppose to be. So I can respectfully pay the remainder owed. But I need it corrected first When I make a larger payment other then minimum it reverses if it's minimum they accept! Idk why they are doing it, besides insufficient funds that are not insufficient. Proving so with date to date statements
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a customer of XXXX XXXX for over 6 yrs, never a late payment because I enrolled in auto pay. For some reason three times I was knocked off due to no reason of my own and ended up over 30 days late which is affecting my credit tremendously. Ive contacted XXXX several times on it and even spoke to a superior and they agreed that it didnt make sense.
Product: Credit card or prepaid card

I have XXXX accounts with American Express that were included in a debt consolidation agreement with my now ex-husband in XX/XX/2019. ( See attached debt consolidation agreement ). Amex marks these XXXX accounts as late in XXXX of XXXX despite being part of the debt consolidation agreement ( once the agreement is signed, which is was on XX/XX/XXXX, it's out of our hands and the debt consolidation company takes over ). The payments were not late as they were all done through the debt consolidation agreement, and the payment plan has now been completed XXXX YEARS AHEAD OF SCHEDULE, so it's very obvious that we weren't shirking our responsibilities, we paid everything on time and even several years early, yet it's still showing late payments in XXXX when they were under the debt consolidation agreement. I disputed it with XXXX and XXXX, and Amex replied to XXXX that they had updated the account, but it hasn't happened, the payments are still showing as late, and with XXXX Amex said the accounts were correct as reported so no changes were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit bureau today to learn that an item removed in XX/XX/XXXX as result of dispute has reappeared I wasnt given any notice before Equifax added the collection item back on report The item in question is a collection listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never signed a contract with this company or done and form of business with them I have never received any letter or call since there is no contract the company can not collect
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my current credit report from Experian, and XXXX  are both in violation of FCRA rules section 1681. 

Disputed account : XXXX XXXX XXXX XXXX Please see attachment ; : Violations ; for currently reporting inaccurate balance, high balance, payment amount, & payment history after account has been closed.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a letter from Cabela 's Club Visa that due to a credit report that THEY pulled from XXXX ; a credit reporting agency that was breached by cyber criminals and did notify me that my information was stolen, that they were reducing my credit limit from {$2000.00} to {$1500.00} because XXXX reported that " proportions of balances to credit limits on bank/national revolving or other revolving accounts is too high. '' Because of Cabela 's decision, they have caused this account to show that my balance to credit limit is too high thus affecting my credit score to be reduced by ANOTHER 32 points and destroying my credibility with other creditors! I am a disabled veteran and am on a fixed income and because of credit card companies practices to do this to disabled veterans and keep us from building our credit worthiness, this is discrimination! Cabela 's also only uses ONE credit reporting agency and does NOT consider the reports from XXXX and XXXX in making their decision which clearly shows their bias decision!
Product: Credit reporting, credit repair services, or other personal consumer reports

How many letters and how many complaints will it take me to have the Credit Bureaus take action and have the disputed items corrected on my Credit File? The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX  XXXX Balance {$13000.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$270.00} Date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have spoken with the below mention companies advising that i'm not the account holder and not open the account. The XXXX  police report number ( XXXX ) was completed regarding this matter and the items have not been removed from my consumer report. 

XXXX - {$1800.00} and another account {$790.00} XXXX- {$3700.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for Account # XXXX Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting for my XXXX XXXX XXXX  account ( # XXXX ) on my credit report. Despite submitting multiple dispute letters dated XX/XX/XXXX and XX/XX/XXXX, no corrections have been made. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
The account details reported by your bureau contain significant discrepancies : Account Information : High Balance : {$30000.00} Last Verified : XX/XX/XXXX ( XXXX ) ; Not updated ( Experian and XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( Experian and XXXX ) Balance Owed : {$6500.00} Payment Status : Current Creditor Remarks : No remarks provided by the creditor, leaving room for misinterpretation. 
Late Payment Errors : XXXX late payments inaccurately reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX across all three credit bureaus ( XXXX, Experian, and XXXX ) XXXX 
Inconsistencies in Date of Last Activity : Experian shows XX/XX/XXXX, while XXXX and XXXX show XX/XX/XXXX. 
Failure to Mark Dispute Status : The account is marked as " Account not disputed '' across all bureaus, despite ongoing dispute efforts. 
FCRA Violations : 15 U.S. Code 1681i : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies listed above demonstrate non-compliance.

15 U.S. Code 1681b : My consumer information was used inaccurately in reporting false payment data.

TILA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payments indicate a failure in compliance with this requirement.

Impact and Resolution : The continued inaccuracy in my credit report has caused undue harm to my creditworthiness, affecting my financial opportunities.

I am requesting the following immediate corrective actions : Remove the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Provide written confirmation of the correction.

Ensure compliance with the FCRA and TILA to prevent future reporting errors.

If this matter is not resolved promptly, I will escalate my complaint further, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal recourse if necessary.

Please confirm receipt of this letter and inform me of the actions taken within 30 days as required by law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE as described in 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 

1. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX 2. XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX 3. XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX The entries are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 


REMOVE UNAUTHORIZED Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My original Bank of America checking account has shown two fraudulent bill pay payment to XXXX XXXX credit card ( amount : XXXX USD ) on XX/XX/2023 and to XXXX XXXX credit card ( XXXX USD ) on XX/XX/2023. Bank of America had never notified me of these two fraudulent transactions, and I discovered these suspicious activities on XX/XX/2023 and immediately contacted Bank of America for fraud claim and froze my original checking account. I have never made any previous transactions to these 2 banks, nor I do possess any of their credit cards, and I was always careful with the cybersecurity of my devices with regular anti-viral software clean-up, but somehow still encountered fraud activities. However, after initial investigation, Bank of America denied my claim, neglecting their responsibility of safeguarding the properties of their client. Therefore I'm filing this complaint in desperate need of your help to make Bank of America honor my claim as this huge amount of fraud loss has put my everyday living in critical conditions. Thank you so much and I hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 


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: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

SincerelyXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have encountered with Bank of America. In XX/XX/, I received a cashier 's check via USPS from an individual purchasing furniture from me. The furniture was listed on various social platforms. After receiving the cashier 's check, I deposited it into my Bank of America account. 

To my shock, Bank of America closed my account without any prior notification, claiming that I knowingly attempted to cash a counterfeit check. When I contacted the bank for clarification, I was treated disrespectfully and accused of being a fraudster by the fraud department. They threatened to report me to all relevant authorities as a counterfeiter, effectively barring me from opening any future accounts. 

I have filed a police report and a complaint with the FTC regarding the scam. However, the repercussions of this incident have severely impacted my life. I am now unable to cash checks made out to me, which is affecting my livelihood. Businesses refuse to work with me, I am unable to pay my rent, and I was even unable to cash a State Treasury check sent to me by the IRS. Additionally, I am unable to do something as simple as renting a car. 

This situation is untenable and unjust. I am seeking immediate assistance to resolve this matter and restore my financial standing. I urge you to investigate this issue and rectify the false allegations against me. 

I will provided copies of documents as needed
Product: Credit card

Citi violated multiple UDAAP laws and regulations on its AA executive credit card, and its customer service refused to remedy their practices when I called and tried to get a reasonable resolution. 

First, the advertisement of a key benefit is deceptive. It advertised " Earn XXXX AAdvantage ( R ) Elite Qualifying Miles when you spend {$40000.00} in purchases each year ''. It turns out that customers do n't earn actual miles to the AA account, but just fake qualification miles toward an elite status. If I got mislead as a finance professional, a regular customer would be more likely so. 

Second, Citi makes it very difficult to cancel the card. After I put over XXXX grand on the card but got no XXXX bonus miles, I decided to cancel the card shortly after the {$450.00} annual fee was assessed. The retention specialist made it very hard to cancel the card by offering me different incentives to stay. I found it hard to say no and decided to keep the card open after his hard sell. What a mistake! 

Third, Citi is unfair in its annual fee practice. I eventually cancelled the card by sending an email because I did not want to deal with the retention tactics. But to my shock. Citi customer service told me that my cancellation did not qualify for annual fee waiver because it passed 37 days of cancellation period. So even though I were only 38 days in the XXXX year, my whole {$450.00} annual fee would not be waived or adjusted. This unfortunately has not been my experience with any other annual fee credit card products, which usually pro-rates the annual fee. Citi 's practice in this regard knowingly deviates from the industry practice and is completely unfair. When I called the XXXX time to cancel, it was within the eligible fee waiver period. But my formal cancellation fell out of it. I felt I was tricked into it without full disclosure or reminder from Citi Retention specialist. 

In sum, Citi is deceptive and misleading in its advertisement of this product, unfair in its fee policy and abusive in its retention practice and customer service. I am sure I am not the only customer having this terrible product and customer service experience. I hope CFPB can help me solve my annual fee issue with Citi, and stop this kind of unfair, deceptive and abusive practices hurting more consumers. 

If you need more information, please feel free to let me know. 

Thank you! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the XXXX  recent administrative proceeding ( XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure that Experian complies with the federal law and provides consumers with the necessary proof of investigation. 
Accounts below are the ones in question XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over XXXX hard inquiries on my report. I have spoken to XXXX, XXXX and Transunion and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.
Product: Checking or savings account

I filed a fraud claim on my debit card over 3 weeks ago and I am still awaiting the results. I have emailed them several times via the secured message system and Navy Federal Credit Union still has not even read those messages.