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

Subject : Formal Dispute Regarding Inaccurate Credit Reporting Immediate Correction Required Complaint Number : XXXX To Whom It May Concern : I am writing in response to your communication regarding my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under complaint number XXXX, in which I challenge the accuracy of the information reported on my credit history. 
Upon reviewing my credit report once more, I have identified several serious inconsistencies that invalidate the accuracy of your reporting : 1. Inaccurate Information on Payment Status : The credit report I have reviewed shows that, according to XXXX, my account with XXXXXXXX XXXXNetCredit was current in XXXX and XX/XX/year>, except for XX/XX/year>, where a 30-day late payment is reported. 
In XXXX, it reflects that there was only one late payment in XX/XX/year>, while the payments for XXXX and XXXX are marked as on time. 
These data points contradict your statement that a 30-day late payment was reported in XX/XX/year>. The discrepancy between the different credit bureaus, along with the absence of negative reports in XXXX, raises significant concerns about the accuracy and consistency of the information you provided to the credit agencies. 

XXXX. Right to a Full Investigation Under the Fair Credit Reporting Act ( FCRA ) : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information on my credit report and to expect a reasonable reinvestigation of that dispute by the credit reporting agency. Furthermore, under 15 U.S.C. 1681s-2 ( b ), once a furnisher of information ( such as NetCredit ) receives notice of a dispute, they are legally obligated to conduct a thorough investigation, correct any inaccuracies, and notify the credit reporting agencies of the corrections. 
Your communication indicates that there were no formal disputes prior to my CFPB complaint, which is incorrect. My contact with your customer service team on XX/XX/XXXX and XXXXXXXX XXXX, clearly constituted attempts to resolve this matter, which you have failed to acknowledge or investigate properly, thus potentially violating your obligations under 15 U.S.C. 1681s-2 ( b ).
Product: Credit reporting or other personal consumer reports

Nothing happened to the following account below : I requested that they update the OWE amount to XXXX and they left it blank. This is the exact same report prior to the complaint. They refuse to acknowledge that this account is paid in XXXX and has a XXXX balance. 

I sent a letter showing them that this account was paid in full but after the investigation they simply added incorrect information RECENT PAYMENT OF {$370.00}. Total false! 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$370.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has two different removal dates for same company. midland is supposed to fall off XX/XX/XXXX but midland committed fraud by re-aging the date to XX/XX/XXXX dofd was XX/XX/XXXX, 7 years will be XXXX not XXXX! midland needs to stop playing games
Product: Debt collection

XXXX XXXX ss # XXXX dob : XX/XX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Wlms Fudge Opened XX/XX/XXXX {$740.00} Original creditor : XXXX UNIVERSITY Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Wlms Fudge Opened XX/XX/XXXX {$740.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report
Product: Checking or savings account

Unauthorized amounts were drafted from my checking account on XX/XX/XXXX and XX/XX/XXXX both in the amount of {$1000.00} totaling {$2000.00}. The reason it went as long as it did was because I was working away from home. When I realized what was happening I contacted XXXX ( XXXX XXXX XXXX XXXX XXXX ) by phone on XX/XX/XXXX and complained. I then sent a letter to them on XX/XX/XXXX explaining the situation and what had happened. I got a returned letter that said request denied. Without any approval from me XXXX not only extended the duration of a policy for me but increased the premiums over ten times the previously agreed upon amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has dropped my credit score significantly XXXX points because my usage went from 19 % to 21 % This error is affecting my credit negatively. There is also incorrect information and a fraudulent account that I have disputed that has not been removed even though identity theft report etc submitted. Can you please assist in investigating why they keep dropping my score with all payments on time and low credit usage with no overdue payments?
Product: Credit card

On XX/XX/XXXX I received an email that my credit limit was changed. When I logged into my account, my XXXX XXXX AMEX card limit was reduced. XXXX limit was $ XXXX with about {$12000.00} available went to {$8300.00} limit and {$480.00} available. I have never missed a payment and always paid more than the minimum. I've had this card since earlier than XXXX and a member since XXXX my account history with AMEX has been excellent. Yes, my XXXX XXXX has changed but that has not impacted my obligation to pay my debt. Reducing my limit impacts my XXXX XXXX which further perpetuates the cycle of my score decreasing do this action. I understand the economy is challenging and uncertain, but I value my relationship with AMEX and would appreciate their partnership with a consumer that is committed to them and reflect that with reinstating my credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The collection company of the creditor has not responded, the company has to remove the debt. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Product: Checking or savings account

I am an USAA member and on XX/XX/2023 I made a transfer from my XXXX account to my USAA account in the amount of {$50.00} followed by another transfer in the amount of {$25.00} using the USAA app. 
I was using my USAA card to pay for a hotel room and my card kept getting declined for the amount of {$160.00} when my balance was {$200.00}. 
I noticed then that USAA was placing holds on my deposit transfers, so I had to pay with another card. 
I checked my XXXX account and funds were paid to USAA on XX/XX/2023 but USAA placed a hold on those two transfers of {$25.00} and {$50.00} until XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failure to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, cause ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inactions violates federal law and my rights as a consumer.
Product: Checking or savings account

XX/XX/XXXX a letter marked that date was mailed to me saying that my Bank of the West account will be closed as of XX/XX/XXXX. The letter arrived today XX/XX/XXXX. I had just been to BotW on XX/XX/XXXX to make a deposit, no one said my account was about to be closed. I have no overdrafts, my account is in good standing with {$100.00} in it. I receive my XXXX check there by XXXX XXXX and have had this account open since at least year XXXX. Letter states only that when I opened the checking account I agreed to terms that it could be closed with no reason. 

I called the branch but it was closed so I called the main number and even spoke to a supervisor. No one could explain why my account is about to be closed. I will be calling my branch tomorrow but read on the internet that this is happening to many people with accounts in good standing even at bigger banks such as XXXX, XXXX XXXX and XXXX XXXX XXXX. I need my account to stay open as it is the only way I can receive my XXXX ad pay my bills.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found several late payments on the dates below : Inconsistent dates below- 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 60 days late as of XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX ( XXXX ) 60 days late as of XX/XX/XXXX ( XXXX ) I kindly ask that you remove this late payments from my credit report as I am trying to qualify for a mortgage and it is effecting my credit score.
Product: Student loan

I qualify for PSLF ; and have made 120 payments at this point. Fedloans is my loan servicer. I was told after speaking with the ombudsman that all my uploaded employment certification forms would be reviewed at the same time- however they failed to do so ; only reviewing one form. I would like a prompt review of all uploaded ECFs as I currently qualify for forgiveness. The wait time of 3-4 months is unreasonable to wait through again. Thank you.
Product: Checking or savings account

A bank account has been opened with Bank of America, using my name and social security number. I did NOT open the account.
Product: Debt collection

Nissan motor acceptance is reporting twice on my credit report, they have already charged the account off and sold it to another company which is also reporting on my credit report
Product: Debt collection

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX City : XXXX State : Arizona Zip : XXXX Email Address : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and vou are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

A debt under Paramount Recovery Systems is showing in my credit report. I 've tried calling to find out what the debt is and they keep advising that the debt with them that I had has been paid and that no other debts for me are in their system. This continues to be on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to get credit. thank you very much and blessings.
Product: Mortgage

I am in desperate need of assistance before I lose my home. By no fault of my own my home ownership is in jeopardy. Please take the time to review my case. 

I have three different mortgages that I have been paying for 16 years. They are each in escrow with different mortgage service providers. Chase Bank being one of them. Chase had the wrong tax parcel ID number and sent tax payments for XXXX and XXXX to the wrong mortgage service provider. I called to inform them they had the wrong tax number, and they corrected it. In order to get their money back they raised my mortgage payments by {$630.00} a month. I deem this as completely unfair and fraudulent.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I reported a change to my checking account that was not mine this happened in XXXX of 2024. I made it by contacting netspend customers service agents whom gave me very little of help other then killing the debit card that was used and said they would review it.Netspend has not recovered money taken out of my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was un fair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

In XXXX XXXX XXXX  I opened a credit card with XXXX XXXX that was their XXXX XXXX XXXX  We did this as part of a balance transfer offer and made all on time payments through XX/XX/XXXX. On XXXX XXXX XXXX with no notice the XXXXXXXX XXXX XXXX portfolio was sold to Capital One. We had no knowledge of this, nor did we ever receive a card in the mail. Because of this we never activated the card nor did we ever agree to the Capital One card member agreement. At no time post XX/XX/XXXX did Capital One call to confirm the receipt of a new card or to notify me of missing payments on an account. In fact their credit wise monitoring system showed 100 % on time payments for all accounts I owned. We were notified last month that a collection was opened against me as Capital One sold the portfolio. Capital Ones practices were deceptive in nature and they at no time made any effort to confirm my knowledge of their acquisition or receipt of the new card.
Product: Credit card or prepaid card

I applied for an Ally XXXX XXXX XXXX credit card on XX/XX/2022 through my XXXX account, and I earned approval for a {$3000.00} credit line the next day. The confirmation email sent on XX/XX/XXXX said that it'd take 7-10 business days for my card to arrive in the mail, but that they were " experiencing delays '' but I'd receive notification if and when my card ships. It is now late at night on XX/XX/XXXX - ten full business days later - and I have received no shipping confirmation for my card. 

Ally has no way for me to email them, and thus I am not able to establish a paper trail. They are the only credit card I have seen so far that has no way for customers facing difficulty to email all of my other cards allow for that. I hope this gets fixed for the sake of their costumers. 

That being said, I called to ask when my card would get shipped on XX/XX/XXXX, and I was told that my card is in the process of getting made and received an apology for a delay due to " a third party vendor '' making a mistake. When I asked for an estimation of when my card would arrive, the customer service representative at Ally could not offer that to me. I understand delays, but a lack of timeline was alarming. In short, I was approved for a line of credit, and it appears that I will not be able to access this credit line indefinitely due to Ally 's inability to manage the vendor that manufactures their cards. 

It is unhelpful to anyone trying to financially plan to not know indefinitely when they can access a line of credit that they applied for. I feel deceived if I had known the length of time it would take to receive my card so I could use it, I would not have applied for this particular financial product and sought out an alternative.
Product: Credit card or prepaid card

SYNCHRONY BANK XXXX. XXXX, XXXX, XXXX fraudulently opened a new credit card account without our consent, authorization, or permission. 
New cards were sent to us on XXXX XXXX which we destroyed and did not activate. Synchrony accepted {$7600.00} in fraudulent charges from a merchant that we did not and could not have provided a valid card number to because we never entered the card number for anything! 
SYNCHRONY apparently was provided confidential private financial information by XXXX XXXX XXXX without our consent or authorization.
Product: Credit card

I was charged an enormous amount of interest of XXXX. Original loan XXXX was borrowed with 0 % interest for I was told 24 months. I had paid off more than half by the XX/XX/year> and on XX/XX/year> I was charged the XXXX, XXXX in interest. I called on XX/XX/year> when I realized my balance was so high! I asked to speak to a manager and the manager told me the interest was non-negotiable. I planned on paying the entire balance off, before the 0 % interest rate increased and mis-calculated the time the promotion ends. However, I still could not believe, even if the promotion ended, the unbelievable amount of over XXXX I was charged and all the money, I had paid and on time was immediately doubled, and I was starting all over to the virtually the original loan amount! I believe this violates the law on unfair and unreasonable interest charges. I should have been charged a fair interest amount. I also called on XX/XX/year> asking for my pay statements, because I never received any statements the entire XXXX years, nor could I view any statements online. I was told, there were XXXX addresses on my account and there may have been a mix up of why I did not receive any statements. The agent verified my address and told me I would be mailed the XXXX statement. I also, asked to have all my statements electronically from now on.
Product: Credit reporting or other personal consumer reports

Last 4 digit of social security : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX I, XXXX XXXX, didn't give the right to pull my consumer report. There isn't any written permission from me. I want the inquiries deleted from my consumer report. 
So, if you said I gave you permission, but I am asking, you know, for the document, where 15 USC 16 ad one b two says that I gave you that written permission and you can not provide a document. That equals identity theft.

Under 15 U.S.C. 1681n - U.S. Code - Unannotated Title 15. Commerce and Trade 1681n. Civil liability for willful noncompliance, it says : " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a continuation of my Complaint Nr XXXX, submitted XX/XX/2018. 

On XX/XX/2018 I received an Equifax reminder to look at dispute Confirmation Number : XXXX. I was presented a list of security questions ( see attached screen shot SectyEquifaxXXXX ), which I commented thereon. As I noted that a bogus previous address, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, ( which is the address used by the Identity Thief who fraudulently opened an account in my name w/XXXX XXXX, XXXX XXXX last year ). I have never lived in XXXX, nor used any XXXX mailing address. I telephonically contacted the Equifax Fraud unit, who initiated a correction dispute ( XXXX ). 

I also attempted to access Equifax dispute Confirmation Number : XXXX, but was unable to due to being presented with fraudulent security questions ( See screen shot XXXX ) also commented thereon. Although I answered all questions accurately, I was denied access to the report. 

It seems that Equifax has somehow intermixed fraudulent information with my real credit information without my confirmation.