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

Dear TransUnion Why have I received another letter from your company stating that the accounts listed below were verified? 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete. 

XXXX XXXX | XX/XX/2022 : Account number : N/A, Account status is misleading : showing different per bureau. Date last active should be the same, fix or delete.

You told me to contact the furnisher and I did. You told me to go to the original source and I did, but they are not doing what they are supposed to do. Im getting quite stressed here. Im really thinking about contacting a consumer rights attorney to protect my rights because your company and the creditors are not investigating and reporting data 100 % accurately. There are credit reporting laws put in place to make sure your company is doing their job. Thats right I read this on the FTC website. I wont be a victim anymore. Im telling you that Im ready to move forward with this matter. I will do whatever I have to do if the above accounts are not fixed.

Im asking your company to do the right thing so this issue does not end up my attorneys office. 

CC : CFPB, FTC
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im entering this complaint on the basis of Defamation of character frauds identity theft Knowingly and without lawful authority causing damages to my reputation excuses for making these accusations false claims and transferring my private and public information is unlawful without my written or authentication of original signature or document is required and if not provided is unlawful and against the rights of FCRA For me as a consumer Im requesting an opportunity to cure with original documentation of such misleading information about my private & public information. All inquiries need to be removed all charge offs need to be removed because they are income and income can not be reported on consumer credit reports. All original documentation should be presented after investigation anything such of copies are considered counterfeit in the law of the FCRA. 
They are in violation of several codes of the fcra the law states that no one company public or private have the right to report or fraudulent claims or information reporting to a consumer report damaging the reputation of a consumer report unless a written consent was obtained Defamation of character to my reputation and life.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EQUIFAX permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EQUIFAX are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXXXXXX XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Trans Union on XX/XX/XXXX. They are supposed to respond within 30 days, but have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a complaint against Experian XXXXredit reporting agency. Experian is reporting fraudulent information on four accounts on my credit report that are paid in full with a {$0.00} balance. I have contacted experian by mail and by phone. I have asked them repeatedly to remove and delete the four accounts that are paid from the collections section of my credit report. I disputed the information in XX/XX/2021. Experian completed the dispute marked the accounts as paid and then placed them as collection accounts on my credit report. Again these accounts are paid in full with a {$0.00} balance therefore they should not be listed as a collection on my credit report as they are paid. I contacted experian by phone XX/XX/2021 and asked for the fraud department. I was transferred to a customer service representative in the fraud department. I told the representative that I wanted to report fraudulent information on my credit report that was placed on there by experian. The representative refused to take my fraud report and told me I had to dispute the information. I informed the representative that I had already disputed the information, that experian has the accounts marked as paid but also has them as collection accounts. I informed the representative that these four accounts can not be collection accounts since they are paid and have a {$0.00} balance. The representative told me that yes they are paid but they are still collection accounts. I asked the representative how these accounts can be collection accounts when I paid them in full. The representative transferred me to the dispute department where another customer service representative also refused to let me report fraudulent information on my credit report. This representative opened another dispute on all four accounts. As of XX/XX/XXXX and XX/XX/2021 the four disputes were completed. Experian updated the information the same as before marking them paid and listed as collection accounts on my credit report. I would like for you to investigate this and have these four accounts removed from my credit report. If experian does not remove this fraudulent information from my account I will be filing a defamation lawsuit against them. I don't understand how they were allowed to refuse my right to report and investigate fraudulent information on my credit report. I will give you the names of the four accounts to help you proceed with your investigation. 1.XXXX  XXXX XXXX XXXX 2.XXXX  XXXX XXXX  ( re : XXXX XXXX XXXX ) 3.XXXX XXXX XXXX XXXX 4.XXXX XXXX XXXX ( re : XXXX XXXX XXXX  XXXX ). If you need anymore information please contact me. Thank you. 
XXXX XXXX
Product: Student loan

I have sent letters to Discover Student Loans in XXXX and XXXX of 2020 detailing the ruling from XXXX 's accrediting agency the XXXX that XXXX has engaged in a pattern of " fraudulent communications '' with myself and my brother XXXX XXXX. All loans are in dispute. An attorney at the law firm we hired has been XXXX, with the NV bar stating that prosecutions are imminent. Discover has not responded to any of this information, and instead stated today via email that the loan will be charged off, and I will be having my credit score affected along with them seeking out collections against me. XXXX is acting criminally against state and federal law and as a low income college student I am being exploited with the laws of America being violated. Discover Student Loans needs to be audited and investigated for assisting XXXX in these crimes against me.
Product: Vehicle loan or lease

I have held a loan via Chrysler Capital since XX/XX/XXXX. I have never had a late payment with this loan and unfortunately did not realize how quickly said loan would have become " upside down ''. My Girlfriend researched the XXXX  Consumer Loan Class Action Lawsuit and had reason to believe that my loan would likely qualify. 

Due to COVID-19, I had been waiting for an unemployment payment since XXXX XXXX, In XX/XX/XXXX, I reached out to Chrysler Capital to see if an extension on said loan could take place. I was assured all would be taken care of and my loan payment would not come due again until XXXX XXXX. On XX/XX/XXXX I discovered that they still deducted a payment in the amount of {$390.00}. I was told to file a complaint via Fax for the payment to be considered unauthorized and such would be refunded to my account. This Fax was successfully delivered on XX/XX/XXXX at XXXX XXXX CST. As of XX/XX/XXXX there has been no acknowledgement nor my money returned. 

This loan has carried a high interest rate, numbers frequently changing, no response to correspondence from the above mentioned dates nor messages filed on Chrysler Capital 's website on XX/XX/XXXX, a voicemail left on XX/XX/XXXX, nor another message again sent XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect first and last names and misspellings of my name and incorrect addresses and misspelling of correct address appear on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXX XXXX XXXX XXXX did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX
Product: Debt collection

I am a victim of Identity Theft. Please remove the account from all three credit bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account that is past the statue of limitations. The XXXX XXXX XXXX XXXX is old and should not be reporting.
Product: Credit card

I booked a Hotel Room in XXXX XXXX Florida at a XXXX XXXX. I did not realize that I booked through XXXX and my receipt showed a higher rate than quoted plus fees. I called immediately and cancelled the room. They said they would work on the refund and several days later denied the refund for {$180.00}. I did not stay in the room. 

My Credit Card Company Fifth Third Bank XXXX refuses to return my payment.
Product: Mortgage

SPS is in violation of RESPA and CA Home Owner Bill of Rights. 

CAHBOR requires lenders and servicers operating in CA to allow homeowners to avoid foreclosure via loss mitigation options including SHORT SALE. SPS is acting as a foreclosure mill and trying to force only foreclosure options which is ILLEGAL. CA HBOR requires lenders and services to help homeowners AVOID foreclosure. 

SPS is in violation of RESPA which REQUIRES lenders and servicers to work a foreclosure alternative program request and provide answer within 30 days. By SPS refusing to open a short sale request they are also in violation of RESPA.
Product: Credit card

.Subject : Formal Complaint Regarding Fraudulent Charges on Best Buy Credit Card Issued by Citi Bank Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to bring to your attention a concerning and unresolved issue involving fraudulent activities on my Best Buy credit card, which is issued by Citi Bank. Despite numerous attempts to rectify the situation, I have not received a satisfactory resolution, and I believe that your intervention is necessary to address the injustice I am currently facing. 

The incident in question took place when unauthorized individuals gained access to my credit card information and made online purchases from Best Buy. These fraudulent charges subsequently appeared on my monthly statement from Best Buy. I promptly contacted Best Buy 's fraud department to report the unauthorized transactions and requested a refund for the items I neither purchased nor received. 

In my attempts to seek redress, I submitted a written complaint to Best Buy, detailing the circumstances surrounding the fraudulent charges and requesting delivery records for the disputed items. Regrettably, Best Buy failed to provide substantive answers to my queries. Upon contacting their fraud department via phone, I was informed that the purchases were indeed identified as fraudulent and that a refund would be issued. Unfortunately, no concrete action was taken to effect the promised refund. 

Frustrated by the lack of resolution from Best Buy, I escalated the matter to the Federal Trade Commission by filing a case on XX/XX/2023, under the reference number XXXX. However, to date, I have not received any response from the Federal Trade Commission regarding the status of my case. 

Compounding the issue, I recently received a notice from Citi Bank threatening to escalate the matter to a debt collection agency if I do not settle the full amount. This threat is both unjust and unwarranted, considering that I am an innocent victim of fraud, and the issue has been pending resolution for almost two years. 

I am seeking your assistance in ensuring a fair and timely resolution to this matter. I kindly request the Consumer Financial Protection Bureau 's intervention to investigate the fraudulent charges on my Best Buy credit card, facilitate communication with the involved parties, and expedite the refund process. Additionally, I urge the Bureau to look into the lack of response from the Federal Trade Commission regarding my filed case. 

I appreciate your attention to this matter and trust that your intervention will lead to a just resolution. I have attached relevant documentation, including copies of my correspondence with Best Buy, the case filing with the Federal Trade Commission, and the notice from Citi Bank for your reference. 

Thank you for your prompt consideration and assistance.
Product: Credit reporting or other personal consumer reports

Im sending this new complaint now because the cfpb stated that my previous complaints were closed after the credit bureaus replied with false information. 

I have contacted XXXX and all three credit reporting agencies on multiple occasions regarding the incorrect information on my credit reports. I have contacted them directly in writing and via the Consumer Financial Protection Bureau ( CFPB ) complaint portal. 

XXXX has never contacted me directly. I have never received information from them. They failed to validate/ verify within the timelines provided by the FDCPA yet continue to assert a claim over me via the credit reporting agencies. This is illegal. By law, XXXX must stop all collection attempts, including reporting to agencies. 

All credit reporting agencies have claimed to have done an investigation regarding the supposed debt and found the debt to be accurate. This is either a lie or a huge mistake. 

If they had in fact investigated, they would have found that XXXX has no proof of anything at all. 

- Did XXXX send me any information regarding the alleged debt and that I have a right to request verification and/or validation? No. 

- Once I saw the XXXX account on my credit report and requested verification / validation from XXXX, did they reply to me? No. 

- Did any of the credit reporting agencies provide me with any proof that they 1 ) did an investigation at all, and 2 ) received proof / verification/ validation from XXXX? No. 

Instead, what the reporting agencies did was move XXXX from an the original creditor to and active collections account to a closed account. None of these changes fixed the problem of an inaccurate account on my file. Instead, it just proved that no one has any information but rather they are determined to post something - anything- negative on behalf of XXXX. 

By law, they can not randomly change things around and call it " fixed. '' By law, inaccurate information must be removed. 

XXXX has no proof that they verified/ validated the debt- or even contacted me at all- because they did not. As a result, no credit reporting agency has this information from any supposed investigation. 

By law ( FDCPA for XXXX and FRCA for all 3 reporting agencies ), must immediately stop collection attempts, including the reporting of this information on my credit file. 

It should not take MONTHS of my life to assert my rights under the above-named federal laws.
Product: Bank account or service

Wells Fargo ( or a company purporting to be from Wells Fargo ) robo calls my work number at least five times a day. When I do answer, no one is there. When I attempt to call them back, I 'm put on hold with a recorded message playing and no one picks up. Please stop the robo calls to my job as each call is recorded on my phone record and it does n't look good to my employer. The number they are calling from is XXXX XXXX XXXX XXXX. I had an account with them a few years ago, but they have sent nothing in writing to my home address, nor tried to reach me at my home. They should have all that information in their files.
Product: Credit card or prepaid card

I have a loan with CAPITAL ONE BANK USA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE BANK USAwith no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2019.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The late payments were incorrectly reported due to an issue with the automatic payment system that I had set up with THD/CBNA. The funds were available in my account, but due to a technical error, the payments were not processed on time, leading to the late payment entries on my credit report. This error was not caused by my actions and should not reflect negatively on my credit history. 
Evidence provided : Bank statement showing sufficient funds in the account on the payment dates. 
Correspondence from XXXX acknowledging the technical issue with their automatic payment system.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged interest for the last two months on a chargeback of {$2000.00}, on my XXXX XXXX credit card account. Initially, the interest of ( {$29.00} ) was credited back to my account in XX/XX/XXXX. I recently logged in to view my account and noticed the XX/XX/XXXX credit deleted, and I was charged additional ( {$32.00} ) interest in XX/XX/XXXX. I contacted the credit card company to discuss this issue on XX/XX/XXXX. They told me the charge back was submitted as a credit towards my prior balance transfer, and that I will continue to be charged interest on this amount until the account is paid in full. Also, returned merchandise on XXXX is not being credited back to my credit card account, but is being credited as a gift card to my XXXX account.