23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I applied American Express XXXX Rewards card and got approved with XXXX openning bonus points. I met the spending amount of XXXX dollars in first three months but was told i was not eligible for the openning bonus. AMEX representative told me i was notified but i have absolutely no idea. It was such a disgrace for a big company like amex to treat customer like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I signed a settlement agreement with XXXX XXXX  to voluntarily vacate a rental property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, by XX/XX/XXXX. The settlement agreement stipulated To the extent permissible by applicable law, XXXX shall remove all negative reporting entries regarding the subject loan number XXXX from Borrowers credit report. 

In XX/XX/XXXX, XXXX reported the following negative information on my Equifax credit file : XXXX XXXX  XXXX XXXX Balance : {$410000.00} Date of Last Payment : XX/XX/XXXX Past Due Amount : {$91000.00} Account Status : 120+ DAYS PAST DUE XXXX XXXX has not only breached the settlement agreement, but have caused compensatory and general damages. I was in the process of refinancing the loan on my principle residence in order to regain financial stability when XXXX XXXX reported foreclosure activity on my credit file. As a result of the negative reporting, I have been denied a refinance because of the foreclosure activity on my credit file and it has greatly impacted my credit score negatively. My credit score has decreased by 79 points because of the foreclosure activity reported on my credit file. 

It was critical for me to refinance my home because I lost income due to COVID. More importantly, it was critical for me to refinance my home in order to continue to support XXXX  XXXX who are in XXXX and dependent upon me for their college tuition and housing. My childrens college tuition and housing was jeopardized when I was denied a refinance. My family and I have been seriously impacted financially because XXXX  actions and breach the settlement agreement. 

I have filed 2 disputes with Equifax with an effort to get the foreclosure activity removed from my credit and XXXX XXXX responded to the dispute by verifying that the current status if being reported correctly. XXXX has verified to Equifax that the prior paying history is being reported correctly. I have also attempted to get this matter resolved by contacting your Loss Mitigation and Customer Resolution Departments and no one can or will assist with resolving this issue. 

Attached to this letter is the settlement agreement and a copy of 2 letters from Equifax with the dispute results. 

Lastly, XXXX XXXX  have failed to remove my name from title of the subject property and have pushed out the sell date to XX/XX/XXXX. This is the second time the sell date has been pushed out. Im inundated with phone calls from mortgage rescue companies inquiring about the subject property, which has caused unnecessary aggravation and stress.
Product: Credit card or prepaid card

On Saturday, XX/XX/XXXX, I was contacted by phone by a young lady stating that my Amazon Account was being hacked by several hackers from overseas. Though skeptical, she had me log into my Amazon account and took over the cursor controls, navigating around and showing me what was wrong. This convinced me that this call was legitimate. She then advised me that anti-hacking software (? ) was needed to delete the hackers from my account. To do so, I needed to purchase gift cards, which I could not do on line. I proceeded to XXXX, XXXX, and XXXX and did as I was told, using the Chase credit card in question. When she advised me that additional gift cards were needed, I finally smelled a rat and hung up. I immediately called the Chase Customer Service Dept., told them I had been scammed and wanted these charges removed from my account, as well as having a new card issued. Their employee was very understanding and courteous, removed the charges and assured me that I would not be held accountable for them. He said he would report this to their Fraud Dept. as well. A few days later I received my new card in the mail. While routinely checking my credit card balances this weekend ( XX/XX/XXXX ), I was shocked to see a {$3000.00} balance due on this card dating back to XX/XX/XXXX. I immediately called Chase Customer Service and was referred to the Fraud Dept. who transferred me to the Dispute Dept. I was told by them that I am, indeed, being held accountable for these charges as this does not constitute fraud -- but it does. The young woman on the phone misrepresented herself as being from the security department at Amazon ; she lied to me and misled me. I received no benefit from these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charges.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian, TransUnion, and Equifax for reporting inaccurate, inconsistent, and misleading information on my credit report regarding an account associated with XXXX XXXX  Account # XXXX. These inaccuracies are negatively impacting my credit standing, and despite previous attempts to dispute the errors directly with the credit bureaus, the information remains incorrect. 
Inconsistent Two-Year Payment History : XX/XX/XXXX : Experian reports 150 days -Trans Union reports nothing and Equifax XXXX XX/XX/XXXX : Experian/Equifax Reports 120 days and Trans Union reports nothing XXXX  XXXX : Experian /Equifax show XXXX XXXX and Trans Union reports nothing XXXX  XXXX : Experian reports CO- Trans Union reports nothing and Equifax reports OK XXXX XXXX : Experian reports CO-Trans Union reports nothing and Equifax reports ok High Credit Amount : Trans Union reports $ XXXXExperian reports {$0.00} and Equifax reports {$6500.00} Credit Limit : Trans Union/Experian reports {$23000.00} and Equifax reports {$0.00} Date Last Active : Trans Union reports XXXX-Experian reports XX/XX/XXXX and Equifax reports XX/XX/XXXX In compliance with the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], I request that Experian, Trans Union and Equifax conduct a full investigation and correct these errors promptly. If the information can not be verified, it must be removed from my credit report.
Product: Vehicle loan or lease

This loan does not belong to me I have no idea what it is and must be removed from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are  required to comply. My name is XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX, oh XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve the unauthorized inquiries from the credit bureaus since XX/XX/XXXX. I have requested full validation and asked the credit bureaus to send me proof such as my signed authorization permitting the inquiries. They have not provided. All I get back from the credit is that my credit report is " update and as factual ''. How is this proof? I need proof as these inquiries were not authorized by me. 

Here are the unauthorized inquiries in question : 1. maha XXXX Inquiry from XX/XX/XXXX XXXX XXXX. XXXX XXXX Inquiry from XX/XX/XXXX XXXX 3. XXXX Inquiry from XX/XX/XXXX Bank 4. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX 5. XXXX Inquiry from XXXX XXXX, XXXX Finance
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to XXXX requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to SPRING OAKS XXXX XXXX  which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$560.00}. The FCRA mandates that the credit bureau, in this case, XXXX must ensure the accuracy and completeness of the information they report. 

We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of XXXX letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. 

This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information.

FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. 

Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. 

We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. 

If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. 

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

XXXX will be filed IMMEDIATELY if this is not resolved within XXXX business days. 

Experian has removed accounts listed below on XX/XX/XXXX at XXXXXXXX XXXX XXXX and has put the FRAUDULENT INACCURATE items back on consumer report XX/XX/XXXX after XXXX XXXX has already been placed on report. I have attached the Consumer Report showing proof of claim when Experian removed accounts on XXXX rights have been violated per XXXX XXXX Code XXXX - Civil liability for willful noncompliance & the Fair Credit Reporting Act, Fair Debt Collection Practices Act. 

INSTRUCTIONS : PROVIDE METHOD OF VERIFICATION XXXX XXXX, Has Attached FTC Identity Theft Report # : XXXX We are inquiring to know what does Experian considered to be a reasonable procedure when investigating your disputes? What steps are taken when a dispute comes through to your company? Is your team looking for the verification and tangible evidence? Provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 

Explain what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. What certified documents were reviewed to conclude your investigation? Has the XXXX been informed of any steps to take in order to further protect their identity or prevent future fraudulent activities from appearing on their credit report? Did you speak directly to any agent of the company that is reporting the information to confirm the accuracy of what is reporting due to identity theft? 

As such, the XXXX is exercising their rights under XXXX of the FCRA to request the removal of fraudulent items from the consumer report.
Product: Credit reporting or other personal consumer reports

These accounts should not appear on my credit report, as they are incorrect and should not be combined. The entries you have shown are false, and I have never been involved in any of the activities you are accusing me of. This is not only unfair but also extremely troubling. If you do not investigate and correct these errors, I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has 5 accounts reporting on my credit report that should no longer be there, and the 3 CRA have not removed them. 

The amounts are as follows ; {$250.00}, {$360.00}, {$250.00}, {$250.00}, {$100.00} and {$0.00}. Please furnish an explanation for why the report is still there, or please remove. 

XXXX XXXX has an account with a balance of {$400.00} that should no longer report on my account, please furnish an explanation or remove. 

And, finally XXXX XXXX is reporting a {$140.00} account that should no longer report on my account please furnish an explanation or remove.
Product: Checking or savings account

I purchased an XXXX XXXX from XXXX using my debit card on XX/XX/year>. It was suppose to be be 2 day shipment which I shouldve received the item by XX/XX/year> but unfortunately did not! The delivery driver marked order as delivered so I checked my surrounding areas and found nothing. The picture attached was NOT my front door where it was expected to be delivered. I reached out to XXXX and they told me I had to wait 48 hours because sometimes items are marked delivered by the carriers and still have not reached the delivery address. So I waited and contacted them I was then told I had to reach out to the third party who shipped the item and was told to contact XXXX for an A-Z investigation so pretty much got the run around from both XXXX and the third party seller. So I then went ahead and reached out to Chime whom I bank with and where the purchase was made from to open a dispute and they denied my claim even having proof and information that item had not arrived to me, the reasoning said no error occurred. Chime needs to be held accountable for consumers funds and understand that this is in fact a huge error.
Product: Debt collection

I have an auto loan with Ally Financial , Inc. 

My account was set up for an automatic payment. That payment was attempted on XX/XX/XXXX and was unsuccessful. 

I transferred money into that bank account, went to the Ally webpage and executed a " one-time '' payment of {$750.00} on XX/XX/XXXX. 

That payment was successfully processed and the money left my bank account. 

Ally attempted to extract {$750.00} again on XX/XX/XXXX despite having already been paid. That transaction was returned for insufficient funds as I had already paid the car note on XXXX XXXX. XXXX charged me two separate fees of {$29.00} for two failed transactions. 

For some reason, the payment that left my account on XX/XX/XXXX has not been credited to my account. I called Ally and spoke with customer service on XX/XX/XXXX and was unable to resolve the matter with Ally ( please refer to their recording of the conversation ). 

I called my bank, XXXX on XX/XX/XXXX after speaking with Ally and initiated a dispute. XXXX verified {$750.00} left my account on XX/XX/XXXX and went to Ally. XXXX returned the two charges of {$29.00} for insufficient funds and was to provide Ally with proof the payment left my account. I had XXXX put a stop on Ally to prevent them from executing any additional attempts at automated withdrawals and I went to the Ally webpage and turned off my automated payment. 

Ally called me yesterday, XX/XX/XXXX, and asked me to make an overdue payment ( please refer to their recording of the call ). I again explained the circumstances. The Ally representative asked that I upload a screen capture of my bank account and that image is attached to this message. 

I uploaded the screenshot showing the successful payment from my bank to Ally and attached it to an email I sent them via their customer webpage. 

The facts are I paid Ally {$750.00} on XX/XX/XXXX. XXXX bank verified that money left my account and went to Ally. Despite this, Ally failed to properly credit my account and continued to attempt payment withdrawals from my bank account, charged me late fees initiated adverse credit reporting. 

This is a failure on Ally 's end. I executed a payment and that money left my account and went to Ally and Ally failed to properly credit my account. 

I have attached a screen capture of my bank account with XXXX showing the payment to Ally being successfully processed on XX/XX/2020 and a capture of my bank statement also showing the payment to Ally being successfully processed on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Date : XX/XX/year> Subject : Formal Complaint Against Experian for Violations of Fair Credit Reporting Act ( FCRA ) Dear CFPB Officer, I am submitting this formal complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under the following sections : 1. **15 USC 1681e ( b ) ** Failure to ensure maximum possible accuracy in reporting.

2. **15 USC 1681s-2** Failure of data furnishers to properly investigate disputes.

3. **15 USC 1681i ( 5 ) ** Failure to conduct proper reinvestigation of disputed information.

4. **15 USC 1681c ( c ) ** Improper reporting of obsolete information.

I have attempted to dispute multiple inaccuracies on my credit report with Experian regarding the following accounts : - XXXX XXXX XXXX XXXX XXXX ( Account Number : [ Redacted ] ) - XXXX XXXX XXXX ( Account Number : [ Redacted ] ) - XXXX XXXX XXXX Account Number : [ Redacted ] ) - XXXX XXXX XXXX Account Number XXXX [ Redacted ] ) - XXXX XXXX XXXX  ( Account Number : [ Redacted ] ) - XXXX XXXX XXXX XXXX  XXXX Account Number XXXX [ Redacted ] ) - XXXXXXXX XXXX XXXX ( Account Numbers XXXX [ Redacted ] ) - Bankruptcy Record ( Case Number : [ Redacted ] ) Despite my repeated dispute letters, Experian has failed to adequately investigate and correct the errors, which violates my rights under the FCRA. To make matters worse, the recent CFPB lawsuit against Experian titled " CFPB sues Experian for sham investigations of credit report errors '' highlights that Experian has a documented history of neglecting consumer rights by failing to remove or properly investigate errors in credit reports. This ongoing issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me both financial and emotional distress. 

I am requesting the immediate removal of the above accounts from my credit report due to Experian 's continued non-compliance with 15 USC and multiple other federal laws governing consumer credit reporting accuracy and fairness.

I request the CFPB take immediate action by : 1. Investigating Experian 's failure to properly handle my disputes.

2. Requiring Experian to provide detailed validation of the disputed accounts or remove them from my credit report.

3. Imposing appropriate penalties for their continued non-compliance.

I have attached copies of my dispute letters, credit reports, and supporting documentation highlighting the discrepancies for your review. These documents include the letters I sent to Experian, XXXX, and XXXX, as well as proof of unresolved disputes despite multiple attempts at XXXX. 

Thank you for your prompt attention to this serious matter. I trust the CFPB will enforce the law and ensure Experian corrects these violations. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2018, I was seen in XXXX XXXX for the placement of a XXXX. On said date of service, I was provided with a statement which confirmed my responsibility would be XXXX dollars. I was once again seen in the office on XX/XX/2018 for XXXX  and XXXX XXXX  and was advised that my insurance would not cover the multiple elements of the XXXX  and they could finance the {$380.00} via a deferred interest plan for which I found odd since my XXXX XXXX covers 100 % of the cleaning in the past 42 years I have had the plan however I agreed. This {$380.00} has been since paid off. I received a statement from XXXX XXXX  a few months later stating that I owed the money for the XXXX  from XX/XX/18 as well as still owing money for the cleaning on XX/XX/18 which totaled {$630.00} even though I was provided a finance plan to pay and was completed with that total. When I contacted the provider, they were unwilling to listen to all the proof that they had confirmed no balance for XX/XX/2018 as well as the agreed upon amount for XX/XX/2018 being paid. I am providing said documents discussed above with this complaint. As an additional note to further prove the erroneous accounting system XXXX has, you will see on one of the documents I provide where XXXX applies the financed payment of {$380.00} to my XX/XX/2018 visit when in fact this was done on XX/XX/2018