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

On XX/XX/XXXX, Lending Club drafted by checking account for a monthly payment and then drafted my account a second time for the same loan.  I have been in contact with them but they still haven't returned the additional payment.  I have made multiple calls to the customer service department without any success.  I have also incurred additional fees to my credit union due to the double ACH withdrawal.
Product: Checking or savings account

I removed overdraft protection from my checking account and told the bank not to cash payments on multiple occasions if I dont have the money to cover charges. Instead they run charges anyways and bill me {$34.00} overdraft fees and {$15.00} extended overdraft fees on top of it. If I dont have the money how is it logical to charge me fees on top of fees? Its illegal and being done without my consent! Please help protect the little guy, thanks!
Product: Credit reporting or other personal consumer reports

I personally disputed how my was being reported to this credit agency. I only received one response and i was told they were not going to take any action from experian in which i was told they thought i was someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested XXXX, XXXX, and XXXX  to send me proof of the method of verification used to report Bankruptcy on my credit ... These agencies knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. I will be attaching proof. Also, Originally when asked to verify the credit reporting agencies listed the furnisher as the court house. Then prior to the dispute, I requested in writing my Lexis Nexis profile be frozen. Following the investigation of the CFPB it was changed to Lexis Nexis as the furnishor ... After my account was frozen. XXXX County Court does not verify with 3rd parties. Violations below : 609. Disclosures to consumers [ 15 U.S.C. 1681g ] 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] Bankruptcy Courts should be the " Furnisher '' not third parties like Lexis Nexis
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports : XXXX 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/2021 I sent Equifax a letter asking them to reinvestigate a total of 15 accounts that appeared on my credit report. Not only have they still not responded to that letter, but I also sent in a letter notifying them that they failed to respond to my original request in the allotted responding time on XX/XX/2021. The biggest issue came in the form of them not sending me an updated copy of my credit report, and one of the companies I asked to be investigated reached out to me and sent me a bill. This is a violation of my rights under the FCRA.
Product: Debt collection

XXXX / Wells Fargo has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

Applied for a fha loan to buy a house. The lender Summit Funding. They Advised that everything was set to close and was approved by the underwriter. After I was advised how much my down payment was. Took money out of my XXXX for this house. Got all transfer papers from employers. On the day of close they push it out until they spoke to my employer. Which was done. The broker with XXXX XXXX XXXX XXXX, Az. Advised they had all document approved and the date was set to meet with the title company. So I took the day off work to fly out and start my new journey this my new home. As a first time buyer. When I got to XXXX. The Lender said they could not accept the call hey made to XXXX XXXX. I even had to pay the appraisal fee and sign all Closing documents. It was not right. Please help, mind you Im a single parent and been with XXXX XXXX for over 7 years. I have not got my earnest money back from XXXX XXXX. All this and didn't approve me for this house. Summit Funding made me pay for appraisal fee to not to be approved to by in the amount of XXXX. Its not fair. Even gave up housing.
Product: Debt collection

I received a letter from a debt collector named aldous & associates that I owe XXXX USD to XXXX XXXX at XXXX XXXX for personal training. I requested more documentation about the debt since i have never been to this gym branch in my life and they sent me a contract that was signed by someone else in a day i wasnt even in the United states. i was on a family visit overseas. sent them a proof of my absence and highlighted the two different signatures they have against a signature of mine that was 2 years older at XXXX XXXX VA location. they still insist that is not enough evidence and they will still persue the debt collection process. I contacted the gym branch directly and they confirmed that i have never been to the gym before yet their collection agency is still trying to collect the debt and posted it to my credit report. 
I have filed a police report as they requested and still wasnt enough for them to clear the debt. I filled a complaint with XXXX and their response to that was submitting a photo evidence claiming it was myself at the gym the day of the contract and apparently it is not a photo of myself. Done more investigation regarding the matter and found out the person in the photo they submitted belongs to another individual holding the same name as myself. I reached out to that person and he confirmed that he had ongoing issues with that gym and he is getting collection letters from same collection agency. I replied to that evidence with a photo of myself and called the agency with the other person file number on their system. 
They just hang up the phone and not do anything regarding the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account NAVY FEDERAL CU XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FEDERAL CU was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with the accounts mentioned below. The current statuses should not be showing late because I always made my payments on time. EXPERIAN lacks proper record keeping. These accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 15 U.S. Code 1681 section 602 A. States i have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. 15 U.S Code 1681 C-2 section 605 B : Block of information resulting from identity theft. This collection account need to be removed from my credit report. 

XXXX ) Account Name : XXXX XXXXXXXX XXXX  ( original creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) Account # : XXXX XXXX ) Account Name : XXXX XXXX Account # : XXXX XXXX ) Account Name : XXXX Account # : XXXX
Product: Debt collection

Midland credit has placed XXXX on my credit files stating I opened an account on XX/XX/2019. I have not signed any contract with this company. The have no proof or signed documents between me and them. I would like proof I owe them XXXX since 2019. I never signed for this account with their company therefore its not mine. Please provide proof or remove from ALL 3 Credit bureaus
Product: Credit reporting or other personal consumer reports

I recentry reviewed a copy fo my report and notice, I had fraudulent accouent on my report. please remove these account from my report. they are hurting my ability to obtain credit. 


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

There are alleged accounts and bankruptcy showing on my credit report that I don not recognize Pursuant FCRA 623 I am demanding that they be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and i found outdated and incorrect information. I am attaching a letter for my profile to be updated correctly. My family has a lot of like information and I am concerned thst my credit report is being merged with someone else 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed information from my report in XX/XX/2019 causing my credit scrore to psotively increase, then added the information back to my credit report in XX/XX/XXXX that negatively impacted my credit score. See Attachment.
Product: Credit reporting or other personal consumer reports

RE : XXXX Dear CFPB Team, I am writing to formally submit a complaint against Experian regarding their failure to provide documentation and their misleading communications concerning my credit report. Despite my repeated requests for clarification, Experian has not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 and 605.

Experians online portal indicates that their investigation into the disputed account has been completed and that the account has been updated. However, this contradicts the information previously reported to the CFPB, where the status of my dispute remains unresolved. This discrepancy raises serious concerns about Experians compliance with the FCRA, which mandates that consumers have the right to dispute inaccuracies and receive a thorough investigation.

Under Section 611 ( a ) of the FCRA, credit reporting agencies are required to conduct a reasonable investigation of a consumers dispute and provide documentation that supports their findings. Experians failure to provide the necessary documentation regarding the disputed account is not only unjust but also a violation of my rights as a consumer. This lack of transparency has resulted in significant financial hardship and emotional distress, impacting my ability to secure credit and manage my financial obligations.

I demand that Experian take immediate action to resolve this matter by providing the documentation supporting their claims. Furthermore, I request that the CFPB investigate this issue thoroughly to ensure Experian complies with the FCRA and takes appropriate action to rectify their reporting practices.

In addition, due to the financial hardship and emotional stress caused by this situation, I seek guidance on how to pursue compensation for the damages incurred as a result of Experian 's actions. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a XXXX  XXXX and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

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: Credit reporting or other personal consumer reports

have not heard back from transunion, on XXXX XXXX  a letter was sent. still have not received any thing from transunion. i resent the same document to trans union on XXXX XXXX still nothing, transunion is running a foul of the FCRA fair credit reporting act. I would like to get this issue resolved because I am getting ready to purchase a home for my family, this issue is harming me and the chances to get a great rater on low interest loan. Please help CFPB since transunion like to ignore consumer rights.
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/scrub> 2024, I reviewed my credit report and saw that there were several inaccurate addresses and names and employers listed on my credit. My personal information is extremely important to me. It must be reported accurately at all times. I reached out to each bureau via phone. I was told that I had to write them so I did and they still have not removed all the old information and updated it with my correct information as requested in my letter. They are in full violation - willfully - of FCRA 15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

None of the personal information that they are reporting on my credit is in fact accurate. It must be corrected immediately.
Product: Vehicle loan or lease

I did not have access to my credit contract before signing it. not understanding the English language perfectly, the dealership just told me what I would have to pay per month and then made me sign the documents. Once home I notice that the credit score on the contract is lower than my actual credit score. I was not aware of the interest rate of the credit and it was once the contract was signed that I was able to see the final amount to pay. and I was surprised. The dealership made me take out insurance that I didn't need. with my poor understanding of the language I have subscribed to services whose usefulness I do not really understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXXXXXX XXXX  15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A States that a consumer reporting agency CAN NOT furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute as to the incorrect items on my credit report with XXXX, XXXX, and Eqifax, and it has been well over 30 days and I have not received any investigation results! 
According to the law 15 U.S. Code 1681i-Procedure in case of accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and record the current status of the disputedinformation, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period begining on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card

I received a letter from Synchrony Bank indicating that they are now charging XXXX per statement to receive a paper statement in the mail. This notice also stated that their interest rate was being increased to XXXX % on new purchases. I cant believe that a bank charging XXXX % interest has to charge XXXX for a paper statement. This is blatant gouging of consumers. I definitely wont be making any new purchases, but need a paper statement to clearly access my account and verify previous charges, bank fees etc. Forcing consumers to use online statements or pay a fee is not what I signed up for when opening this account and feel that this practice is unfair and helps banks/credit card companies slip things by consumers as online statements are sometimes missed or cant be accessed. Please do something to stop this unfair practice.
Product: Debt collection

Hello, There are several items on my credit report that are fake and are listed multiple times, by a collection agency called NORTHEAST CREDIT & COLLECT. XX/XX/2010, my husband and I were hit by a XXXX. Our medical bills were paid in the settlement, yet this company continues to illegally place these false items on my credit report and list each fake charge multiple times, in order to destroy my credit. This is in violation of FCRA laws. 

They have never contacted me prior to submitting this false information to Equifax and have been unable to produce any evidence as to the validity of these multiple charges. 

XX/XX/2010, my husband and I were hit by a drunk driver, yet all of our medical bills were paid in the settlement, by XXXX XXXX XXXX XXXX XXXX. Our representing attorney was XXXX XXXX. 

These charges that our now showing up on my credit report however are completely fake, with made up numbers. Each month I dispute them and each month they fall off ( because they are not real charges ), but the collection agency retaliates by relisting each charge multiple times, in violation of FCRA laws.
Product: Credit reporting or other personal consumer reports

Placed on consumer report under experian as derogatory charge off of XXXX illegally under the fair credit reporting act
Product: Vehicle loan or lease

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAP ONE AUTO has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX XXXX has fraudulent remarks and accounts on my credit profile that need to be removed immediately.
Product: Debt collection

called my job stating I would be served with notice for a debt, I requested to stop calls to my job and something in writing and the caller could not provide me anything. states will sent notice when debt is paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$0.00}
Product: Debt collection

XXXX XXXX posted that I owed XXXX. I fought it due to fact it was not my to pay. They finally took it off of my credit report and several months later I seen they gave it to XXXX XXXX to try and collect. I am very upset concerning this. I have worked on my credit report for last 10 to 12 years to get my scores to above 700 and now this happen. Please review my credit again. I've never been late on a payment in several years. 
XXXX XXXX XXXX
Product: Bank account or service

During end of XXXX, 2015 - I opened bank of america Basic checking account as part of the promotions whichs says:1 ) XXXX direct deposits of {$2000.00} or more within the first XXXX days. 
2 ) Either have a direct deposit of {$250.00} per month or maintain an average daily balance of {$1500.00}. 
Both the conditions were met much before end of XXXX, 2015. I was told in various customer service chat and otherwise on the phone that if the conditions are met then within XXXX days they will give me the {$300.00} promotional cash back bonus. I keep on following up during XX/XX/XXXX on wards - i keep on getting different versions like " we are still doing verification etc ... '' All my direct deposits were qualified direct deposits. But it 's more than the stipulated XXXX weeks and i am yet to receive my {$300.00}. I am just spending time and efforts in terms of following up on this issue to get nothing out of it.
Product: Credit reporting or other personal consumer reports

Recently I was going over my credit reports. I see a ton of accounts the credit reporting agencies reporting without my written consent. I want my request to be taken serious and investigated because if I do not get the proper resolution I will escalate my complaints to civil court.