23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On Sunday XX/XX/2018, I browsed the XXXX website with an interest in purchasing the Frame TV. XXXX advertised a partnership with TD Bank allowing for interest free financing of the TV. I applied for the financing with TD Bank and was immediately approved. My credit score was adversely affected because of the credit inquiry and subsequent extension of credit to purchase the TV as advertised by XXXX. Upon placing the order with XXXX, my account was flagged. XXXX said that they often have this " glitch '' when receiving orders being paid with TD Bank 's financing even though I was fully approved. They advised me to verify the shipping and billing address with TD bank, all of which I did. XXXX said that they would remove the flag and that I would be able to place the order using the TD Bank financing. Today, I received an email stating that they would not remove the flag and to place my order using another method of payment. As I explained to XXXX, that response was unacceptable since they fraudulently induced me to apply for credit with TD Bank, thus affecting my credit score, when three XXXX representatives told me that they are aware of a " glitch '' in their system that will not allow the order to proceed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX  ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : Online In Sv / ONLINE INFORMATION SERVICES , INC . 
Original creditor name : XXXX XXXX  XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Product: Checking or savings account

Wellsfargo is my bank are first of all here are my XXXX claim numbers : XXXX & XXXX. 

It started on XX/XX/XXXX. I XXXX money to XXXX XXXX, {$650.00} to be exact. She noticed the money hit her account and immediately notified her bank, XXXX XXXX. XXXX proceeded to do a removal of incorrect credits claim for her. The money came out her account and was send back to XXXX. Ive notified my bank, WellsFargo about all this and still nothing has been done about it. 

My first claimed was closed and my 2nd claim is still on going. Every time I call them I am asked to give them 10 days for them to investigate, it is now XX/XX/XXXX. So I am sick and tired of being ask to wait another 10 days and of course I was asked to wait once more when I called them today. I already went after XXXX XXXX and her bank, XXXX. They already did everything they needed to do to released the funds back to XXXX. All that needs to be done, is for WellsFargo to request the funds back XXXX. I already complied and did everything in my power to help my bank recuperate my money asap, but every time I have called them they seem not to know whats going on even after I have provided claim numbers from XXXX so when they request money back from XXXX they can provide those to XXXX and tie all the pieces of this puzzle together and expedite my money to me. I have not been provided with a solution as of yet. I totally understand the XXXX rules and regulations when it comes to get funds back, but in this case money has already been returned and all I am waiting for is for my bank to collect my money and put it back in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company mentioned sold a collection for XXXX to another company who i negotiated and paid but now i have both collections still on my report showing a XXXX balance. I have tried disputing this with the bureaus but have not gotten the balances changed. Its effecting my ability to get the best interest rates on a home. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I don't recognize or authorize please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items listed remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on Experian Report XX/XX/XXXX and I noticed that this Inquiries had been made XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to the Credit Bureau on XX/XX/2024 via regular mail. The credit reporting agency has failed to acknowledge, remove and block the fraudulent information appearing on my credit reports. The credit reporting agency also has failed to provide me with any correspondence, updates, or notify me of any changes and corrections made to my report. The credit Bureau has also failed to provide me with an accurate and valid credit report. The credit Bureau was sent the following information on XXXX, XXXX : credit dispute letter that included each fraudulent account and inquiry, police report, identity theft report, state attorney 's identity theft affidavit, FCRA section 605b, social security card, drivers license, and my birth certificate. After providing this information to the credit bureau they failed to delete and block the fraudulent accounts within four business days from the receipt of notice. The fraudulent accounts are still appearing on my credit report as such : XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$14000.00}, US Dept Of EdXXXX  {$8200.00}, US Dept Of Ed/XXXX {$550.00} , XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$270.00}, XXXX {$120.00}, XXXX XXXX XXXX XXXX XXXXThese accounts are fraudulent and were not opened by me nor did I provide them with authorization or consent to use my information, and I also did not enter or sign into any contracts , or agreements with these creditors. The fraudulent accounts should be removed and prohibited from reporting on my credit as pursuant to section 605B which states that fraudulent information is required to be blocked and removed within four business days after the receipt of all evidence provided in which the credit reporting agency has failed to do. By failing to remove and block fraudulent accounts from my credit report within four business days of the receipt of notice of each of the fraudulent accounts, the police report, identity theft report, identity theft affidavit, section 605B of FCRA, proof of identity, and credit dispute letter. The credit Bureau is in complete violation of my rights by not complying and being completely negligent by not taking any actions to correct fraudulent accounts as required by FCRA law. The credit bureau has also been negligent in providing correct and accurate credit reports.
Product: Credit card or prepaid card

I will be filing a claim with the Consimer Financial Protection Bureau for the devious sales tactics of the concierge desk that we experienced this week. 

Our experience with XXXX XXXX was not representative of the service we expect when booking a higher priced hotel through XXXX XXXX XXXX than what we could get on XXXX. We requested a crib which we never received we were not able to order room service until after waiting an hour for someone to bring us a menu after calling three time and then my wife was not served at the lobby bar because she had our daughter with her. 

We then called Concierge told them about our experience and she assured us that XXXX would reimburse us the cost of the expenses at the hotel of {$460.00} and then proceeded to book us into the XXXX XXXX which was {$800.00} which we were fine with since we assumed we were getting reimbursed for the night at XXXX. 

When when we disputed the charge the digital travel department blamed the concierge desk and concierge desk blamed digital. XXXX employs concierge staff who are incentivized to sell higher room, although in this case, XXXX XXXX, Travel Counselor with XXXX concierge used our dissatisfaction to out us into a more expensive hotel and said we would get reimbursed.
There are clearly no checks and balances with the concierge at XXXX  which had cost us over {$1000.00} this week. XXXX has closed our case with no compensation
Product: Debt collection

I paid a monthly amount to Ameritech Financial thinking it was going towards my student loan debt, unfortunately it wasnt. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service, and Im really disappointed because i didnt call them or talk to them them and I still got got charged monthly service fees. I cancelled with Ameritech Financial, asked for a refund and would not give me it.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting agency, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, XXXX XXXX XXXX has violated my rights. 

XXXX XXXX, XXXX XXXX has violated my rights. 

XXXX XXXX XXXX, XXXX has violated my rights. 

XXXX XXXX XXXX, XXXX has violated my rights. 

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

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

15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Reporting and Mishandled Disputes To : Experian and Consumer Financial Protection Bureau To Whom it may Concern, I am writing to formally file a complaint regarding Experian 's inaccurate reporting of three accounts on my credit report and their mishandling of my disputes concerning these inaccuracies. Despite my repeated efforts to resolve these issues through the dispute process, Experian has verified the accounts without conducting proper investigations as required under the Fair Credit Reporting Act ( FCRA ).

Specifically, my concerns include : 1. Failure to Conduct Reasonable Reinvestigations : Experian has repeatedly failed to adequately investigate my disputes, often marking them as " verified '' without proper evidence or analysis.

2. Inadequate Communication : Experian has not provided clear or accurate explanations of the results of their investigations, leaving me uncertain about the status of my disputes. 


XXXX. Violation of FCRA Guidelines : Experian 's actions contradict their obligation to ensure maximum possible accuracy and to conduct thorough reinvestigations as mandated under FCRA sections 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ).

I have attached the details of the three accounts in question for your review and resolution. 

XXXXXXXX XXXX XXXX XXXXXXXX - Violation of 15 USC 1666b and 1681-s2 XXXX XXXX XXXX XXXX XXXX - Violation of 15 USC 1666b and 1681- s2 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Violation of 15 USC 1666b and 1681 -s2 I respectfully request that Experian : 1. Conduct a thorough and impartial reinvestigation of the accounts listed.

2. Provide a detailed explanation of their findings, including any evidence used to verify the disputed accounts.

3. Remove any inaccurate information that can not be verified.

If these issues are not resolved promptly, I will pursue further action to protect my rights under federal law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a citibank card that had no balance. I turned off the autopay during the COVID19. I used the card and forgot the autopay was off. I made a payment after the date when I logged in and saw there was no payment made. Then I was charged a late fee of {$29.00}.
Product: Debt collection

My credit was pulled back in XX/XX/2020 10 times dates being XX/XX/20 twice on XX/XX/2020 twice in XX/XX/2020 once XX/XX/2020 once XX/XX/2020 once XX/XX/2020 once XX/XX/2020 and once XX/XX/2020. I found this out by checking my credit report ( in which I do twice a year ). After seeing that, I put a lock on my credit. 5 Months later I get a notification on my report stating I owe {$8000.00} from a company named XXXX XXXX XXXX XXXX. Ive never heard of this company before! I called the collections ( IQ DATA INT ) and got there information for a dispute and they told me I owed this money immediately for an apartment with an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX! I told them I went through identity theft and do not live in that area at all and have a police report! they told me that it doesnt Matter I signed papers etc ... ( XXXX was the representative I spoke to ). I explained that I never signed anything Ive been living at my current address for 3 years. I got their information which is XXXX XXXX XXXX  XXXX  XXXX. XXXX XXXX XXXX  XXXX XXXX, WAXXXX ( XXXX ) XXXX ) is XXXX XXXX XXXXXXXX address. I then proceeded to call experian and they told me to contact this website for fraud reporting. Please what can you do to help remove this fraudulent activity off of my credit and restore my points?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many previous complaints against Experian and XXXX because they do not seem to take me seriously. I sent them a letter from the bankruptcy court that says that the court doesnt share any bankruptcy information with the credit bureaus, and that is how they have the bankruptcy listed as. I want the bankruptcy on my credit report deleted because of the bankruptcy being incorrectly reported, the FCRA says that all information on my credit report must be 100 % accurate and right at this moment it isnt and it is hurting my score. Delete the bankruptcy and all of the accounts included in it.
Product: Student loan

In XX/XX/XXXX, I received communication that I had to renew my IBR before XX/XX/XXXX to be eligible. Around XX/XX/XXXX, I submitted annual recertification through the AES website which they sent me a letter on XX/XX/XXXX that I would have to pay {$10.00} every month based on my income. In XX/XX/XXXX, I submitted new certification documentation because my income was absolutely XXXX because I would no longer receive unemployment which was my income at the time. So for XX/XX/XXXX, they send me my IBR approval request of {$0.00} but are still charging me the {$10.00} for the original plan which I contacted them and asked them why? I had never had this issue before and my income had been higher at other points, such as $ XXXX which is more than the $ XXXX XXXX received for my unemployment for that year and my Ibr would always be {$0.00}, so why did this amount change and they said that I had to pay it? Trump had a freeze on student loans which started in XXXX XXXX and President Biden has extended to XX/XX/XXXX, so why did AES take my account to collections for {$10.00} when there is a freeze on student loan payments and since there is a freeze, I wouldnt have needed to submit recertification documentation until after XX/XX/XXXX? This is ridiculous and an insult. I sent in my paperwork on time and the second time as well. It isn't my fault they didnt answer my recert until XXXX XXXX.
Product: Debt collection

Midland Credit management XX/XX/23 threatened me. To take legal actions against me. They call multiple times in a week.
Product: Consumer Loan

I purchased a XXXX from XXXX & XXXX XXXX on XXXX/XXXX/XXXX. The financier was a company by the nae of Carmel Financial who approved a revolving open ended charge account. On XXXX XXXX, XXXX, I received a letter from Carmel Financial notifying me that Carmel Financial Corporation Inc has sold my account to Aqua Finance and that the account has changed to a close ended, simple interest account. Shortly after that notice, I received a second notice from Aqua Finance notifying me that my account would be sold AGAIN to a third company - where the terms and conditions of the original contractual agreement would be changed again if I did not respond within 30 days of the notification. I called the number provided and stated that I did not agree to the second sale. During this same time I began receiving collection calls from Aqua Finance about an annual {$30.00} fee? Aqua Finance has been unable to reproduce a copy of the verbiage where I agreed to pay the annual fee. Now I am receiving late fee charges on statements for not paying the fee. I have never missed a payment at this point in time. 

As a consumer and a banking professional - Aqua Finance has conducted their business in an unethical manner at my expense. Transferring the original debt from company to company, all while changing the terms and conditions of the original contractual agreement to benefit their bottom line at the expense of customers. I have requested their lawyers contact me.
Product: Credit card

My credit card was lost or stolen sometime on and or around XX/XX/XXXX because I used my credit card to purchase XXXX XXXX of {$840.00}. This was the only transaction I made XX/XX/XXXX. All charges from XX/XX/XXXX - the entire month of XXXX were unauthorized. I contacted FNBO about the unauthorized charges XX/XX/XXXX and an investigation was started about these numerous about of transactions, which FNBO put into dispute on my billing statement. I informed FNBO my credit card and other personal, cell phone, and information had been compromised because I had several other accounts that unauthorized charges, and FNBO was not the only account. FNBO responded to the dispute in a letter dated XX/XX/year>, which I received XX/XX/XXXX stating my claim had been denied and I participated in these transactions. Please see the attached statements for the transactions. I called FNBO to discuss this further. The fraud representative told me a few notes documented on a few of these transactions and to contact each merchant. The fraud representative told me I stayed at a XXXX XXXX XXXX. I have never stayed at a XXXX XXXX XXXXXXXX ever in my life. The infomation FNBO collected is wrong and incorrect.
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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXXXXXX Act Name XXXX XXXX XXXX XXXX XXXX Act Name : XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a letter from XXXX XXXX ( XXXX XXXX XXXX ) that I had a debt through their credit card the Destiny Card. It is clearly a corporate card. I have never had a corporate card. I in fact have no business experience and have never owned a small business. 
The amount is no any way that I could ever imagine having the financial might to gain such a card. In essence I am not well off or in any way corporate. I wrote to them once and it did not work. 
The corporation that has that card has no relation to me. Clearly they know the name of the corporation.
Product: Credit card

I got a credit alert that the card was closed and I contacted the company and they said that they sent a letter that I did NOT recieve explaining the reason why they closed the account. 
I have never missed a single payment since over 10yrs ago when i opened my account. 
I belive that this was done in error and the company needs to correct this error by re-opening this store credit. 
Thanks