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

I had disputed the following XXXX accounts XXXX times with this agency asking for validation to these accounts. Instead they simply respond verified which is violating my rights to see how they validated. These are reporting incorrectly on my report besides that being they are said to be charge offs but yet show 100 % payment history. Its well past the XXXX In NY and these companies no longer own the debt nor do I owe them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX  XXXX account ( Account Number : XXXX ). The report lists a balance of {$330.00}, a credit limit of {$300.00}, a balance updated XX/XX/XXXXXXXX XXXX XXXX credit usage, a $ 25 monthly payment, an account opened on XX/XX/XXXX, last payment date of XX/XX/XXXX, highest balance {$470.00}, status open, and responsibility individual. The payment history also shows XXXX late payments which are incorrect. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. Please investigate this account and remove the incorrect details, including the late payments. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy of the information on my credit report regarding XXXX, which I believe is participating in identity theft. XXXX has acquired my Social Security Number and personal details without my consent, constituting a severe violation of my privacy. 

Both Experian and XXXX are violating permissible purpose regulations by providing my credit report without obtaining written consent from me. According to Section 604 ( f ) of the Fair Credit Reporting Act ( FCRA ), users must certify a permissible purpose for obtaining a consumer report, and I request that you produce the written consent authorizing the furnishing of my credit report. 

Moreover, I am invoking Section 1681e ( b ) of the FCRA, which mandates consumer reporting agencies to maintain reasonable procedures ensuring the maximum possible accuracy of consumer information provided to third parties. XXXX has already removed this disputed information due to its inability to validate it. 

I hereby request that Experian promptly conducts a thorough reinvestigation into the accuracy of the disputed information concerning XXXX, in accordance with Section 1681i of the FCRA. I expect the results of this reinvestigation, including the current status of the disputed information, or the removal of the item, within the 30-day period stipulated by the FCRA. 

Thank you for your immediate attention to this matter.
Product: Credit card or prepaid card

I understand my account is under review for membership rewards with American Express. I am deeply angered by the lack of transparency as to why my account is under review when I have been a customer for 10+ years and have never had any difficulty in redeeming or transferring points before. This has been a huge inconvenience for my family and me. Please conduct a swift investigation so I can resume my immediate points transfer needs. Again, I am deeply angered at the moment by the lack of transparency with my American Express membership rewards review. American Express is currently holding over a XXXX points in my account with no apparent end to the investigation. 

I contacted them earlier in the month, they said it'll take only 5-7 more business days. It's well beyond that now and I still have not heard back from anyone.
Product: Debt collection

World Acceptance Corp ( XXXX XXXX ) has been paid in full and still remains on the credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX date XX/XX/XXXX, XXXX the following inquiry is not mine please remove it from my report
Product: Credit card

One day, my credit card account simply disappeared from my account. I promptly called Bank of America to inquire about the reason behind this sudden closure, but they were unable to provide any satisfactory explanation. Instead, I was informed to wait for a letter. 

Upon receiving the letter, I discovered that the primary reason for my account closure was Irregular transactions or other activity on one or more of your accounts, with us and/or our affiliates, or on your credit profile. However, I have never engaged in any suspicious or irregular activities on my account. In fact, my transaction volume for last month was quite low. 

Undeterred, I reached out to Bank of America again, specifically requesting the actual transaction that could have been mistaken for irregular. Unfortunately, they were unwilling to provide me with this information. Furthermore, I have never received any suspicious reports on my credit report. The sole valid reason at this moment is discrimination and/or XXXX or origin profiling, just like the previous XXXX XXXX XXXXXXXX XXXX 

In an attempt to rectify the situation, I requested that my account be reopened, emphasizing the importance of preserving my credit score, which could result in significant financial consequences. However, my first bank, that I had been banking with for years, where I had maintained both my checking and credit accounts for several years, refused to assist me. They were even unwilling to provide me with the specific reason behind their decision.
Product: Money transfer, virtual currency, or money service

They said " investments are not their concern ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF IDENTITY THEFT THIS IS MY SECOND REQUEST TO REMOVE THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Product: Checking or savings account

I am writing to file a formal complaint against XXXX XXXX XXXX/Flagstar for the unauthorized opening of an account and the unauthorized transfer of funds from my Discover account. 

Start Date of Incident : XX/XX/year> Accounts Involved : Discover and XXXX XXXX XXXXXXXX/Flagstar On XX/XX/year>, I was researching high-yield savings accounts ( HYSA ) to find a bank offering a better interest rate than my current Discover account. During this search, I came across XXXXXXXX XXXX XXXXXXXXFlagstar , which advertised an attractive interest rate. 

I began the account opening process with XXXXXXXX XXXX XXXX/Flagstar but did not complete or follow through with the final steps. Aware of the potential risks, I proactively contacted Discover on the same day to place a " Stop Payment '' on any potential withdrawals or transfers requested from XXXX XXXX XXXXFlagstar . 

Despite these precautions, on XX/XX/year>, all funds were removed from my Discover account and transferred to XXXX XXXX XXXXFlagstar without my authorization. 

Upon discovering the unauthorized transfer, I immediately contacted XXXX XXXX XXXXXXXXFlagstar . I had to endure a lengthy and frustrating process to gain access to an account for which I did not even have the account number. When I requested the return of my funds, I was informed that the funds were on a nine-day hold. 

As of today, XX/XX/year>, I have made four additional calls to XXXX XXXX XXXX/Flagstar , explaining the situation each time. The account should have never been opened, and I am now left with only {$13.00} until my next paycheck. This situation has left me unable to pay for my rent, food, or other essential needs. 

XXXXXXXX XXXX XXXXXXXXFlagstar has been unable to provide any evidence or documentation showing that I agreed to or signed for the account opening. This account should not have been opened, the transfer should have never taken place, and as a result, I am also losing out on over {$500.00} worth of interest that should have been generated if my funds had remained in my Discover account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to conduct a reasonable investigation into disputes regarding inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Despite submitting detailed dispute documentation to correct inaccurate information, Equifax consistently responds within 24 hours claiming the disputed account is accurate without providing any documentation or evidence of a proper investigation. This practice raises serious concerns about whether Equifax is fulfilling its legal obligation to investigate consumer disputes thoroughly and accurately.

Under the FCRA, Equifax is required to conduct a reasonable reinvestigation and correct or delete inaccurate, incomplete, or unverifiable information. Additionally, Equifaxs failure to provide proper investigation procedures may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). I reference the Consumer Financial Protection Bureaus ( CFPB ) recent administrative proceeding against Equifax ( File No. 2025-CFPB-0002 ) for similar noncompliance issues.

I am requesting that the CFPB take immediate action to ensure Equifax complies with federal law by conducting proper investigations, correcting inaccurate information, and providing transparent evidence of their findings.
Product: Debt collection

recently I received a letter about Substitution of Attorney -- Civil by XXXX XXXX XXXX XXXX, I don't know why I involve to this sue case, maybe it is my 10 years old unpay XXXX credit card bill? I have contact XXXX credit card to discuss about the bill have wrong, and submit letter to credit card company complaints. I also receive a letter about law suit against XXXX XXXX, who try to collect old debt, which XXXX XXXX lost this law suit case. after this, my credit report have remove this negative issue. I don't know why they debt collector take law suit again. please advise me what I should do. Thanks
Product: Debt collection

Issues with COLUMBIA DEBT RECOVERY LLC DBA Genesis Credit Management LLC. 

I leased an apartment back in XX/XX/XXXX in XXXX XXXX XXXX XXXX, aside from the rent, I had to pay proportional water and sewer that according to the lease contract, is around {$47.00}. When I received the apartment it presented several issues, mechanical, not clean, with stains in the walls and carpet, sent video and piuctures. All of this was communicated in email and letter on XX/XX/XXXX ; most issues were not taken care of by the leasing office. During my time in the apartment, the water and sewer was never more than US {$32.00}. On XX/XX/XXXX I gave my 60 days prior notice and vacated on the date indicated, XX/XX/XXXX. We cleaned as much as possible but the persistent issues since it was received continued in the apartment. I paid the proportional for all costs ( rent, water, sewer, trash, etc. ) for 12 days of the month of XXXX the A month later I receive an email that I owed US {$330.00} for water, sewer, utility, trash and cleaning and carpet cleaning. The cleaning and the carpet cleaning was US {$180.00}, I disputed the amount entirely since the issues they indicated where the same I made when received the apt . water and sewege charged was US {$120.00} ( 4 times the normal avg fee ) and I also disputed the amount. I sent the evidence but they didnt want to accept it and asked for evidence of the issues and the receipt for the services charged, they did not sned anything. Now 3 years later they sold this account to a collection agency expecting to me to pay without justification and when they couldnt get to me, they decided to put it in my credit report in at least 2 credit agencies, I submitted today disputes. This is an extorsion since being so small amount people would just pay to clean their credit, but this is not a true debt, its extortion.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I explained to Transunion,  XXXX , and   XXXX   that i do not recognize any of these inquiries on my credit report. I am writing to dispute the following information in my file. I recently received a copy of my   XXXX  ,  XXXX , and Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order Th e following credit inquiries are related to none of the aforementioned permissible   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 sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a previous complaint that was not yet responded to ( XXXX ), in the complaint itself, I had pointed out that XXXX XXXX had sent to the four credit bureaus to delete both my wife and I XXXX XXXX account from the credit bureaus reporting. So far, my XXXX XXXX account has been deleted XXXX or removed ), but not done for my wife. I had also since opened another complaint on this but thought I would resurrect the original complaint ( XXXX ) to help get this taking care of. Two out of the four credit bureaus have so far not honored XXXX XXXX 's request to also remove their account from my wife credit reporting, based on the document they sent us that would have put the original request that was dated XX/XX/XXXX I know I've opened quite a few complaints, with some of the responses seem to have been forgotten or maybe overlooked, but they are still not responded to. The need to have a response to these complaints have a lot to do with the various organizations that are assisting us to resolve the problems we've been having with inaccuracies in our credit reporting. Both my wife and I have not missed a payment on any of our debts going back to XXXX of XXXX, yet two of the credit reporting agencies have reported " few accounts paid on time '' that we are trying to get figured out for both of our accounts. So if we can get the XXXX XXXX accounts also for my wife deleted as they had requested going back to early XXXX, it will help us get a better understanding on why the credit bureau 's are reporting to others wrongful information.
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 Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX 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 : I made my payment on time in XXXX, XXXX and XX/XX/XXXX, as verified by the attached bank statement. 
There was no delinquency on this account, and the reported late payment may have been caused by a clerical or reporting error.

The attached payment confirmation from the creditor further supports my position that the payment was made on time.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax 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

On XX/XX/2018, I had contacted Wells Fargo to schedule a recurring automatic payment in order to cover the minimum payment on my Wells Fargo credit card. I had also submitted a one time payment on the same day. The representative assured me that going forward I had nothing to worry about and that it would get automatically pulled as long as I had money in my account sufficient enough to cover the payment. My payment due date was set to be XX/XX/2018 for {$25.00}. I was never notified that the payment was unsuccessful and now I have a late payment posted on my credit report. I am now in looking to become prequalified for a home and I have been advised that I can not get a mortgage because of this mark on my credit report in this situation, because I have attempted at resolving with Wells Fargo representatives.
Product: Bank account or service

I have been charged multiple overdraft fees to an account I have at Regions bank despite being opted out of overdraft coverage and being told any transactions would be declined instead of allowing the account to become overdrawn. This account is primarily used for bills and other small transaction so it never keeps a high balance. There have been a few occasions where my account has gone over, but I was not charged a fee because Regions is supposed to decline charges that go over and it is their error when it does. Or so I 've been told. 

On XX/XX/XXXX, my balance was {$30.00} and a charge for {$12.00} was made by me bringing the balance to {$17.00}. I was then charged a {$36.00} fee for unknown reason which overdrafted the account. Being unaware that I was charged this fee, XXXX more charges tried to go through. Instead of being declined, they were allowed to post to the account and I was charged an additional {$72.00} in fees bringing my account to - {$200.00}. 

No explanation was given to me for these charges or why they were allowed to post. They did, however, try to convince me to opt in for overdraft protection which would have done me no good. 

Now, on XX/XX/XXXX, I checked my account to find it overdrawn by {$49.00} because of an account adjustment the bank has done for reasons I can not figure out. A bill was paid for {$150.00} and a transaction for {$58.00} was deducted, leaving the account at a posted balance of {$0.00} as of XX/XX/XXXX. The adjustment was done XX/XX/XXXX with no explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm responding to the verified no-change letter you sent me for the late account. Based on your recommendation, I sent a letter to the Creditor asking for the proof that I was in fact late, on { the month they reported but they never responded. 

Its clear that the late account, Date open, no. of months ( terms ), High Credit, Last reported date, Date last Activity, Date of Last payment is inaccurate because the Creditor did not send any valid proof of me being late, date of Last activity, Last reported date, High credit, Date open, Last reported date, no. of months ( terms ), date of last payment. If they cant prove that the account was late, they cant report to the Bureaus, according to the FCRA. Please Delete Account Immediately these inaccurate listing from my credit report or your company will be in Violation of the FCRA. A HARD COPY HAS BEEN FILE WITH CFPB Creditor : XXXX BANK Account XXXX TRUNCATION IS ERROR TO I NEED THE WHOLE TRADELINE ACCOUNT NUMBER. 
Reason : 15 USC 1666 A/B BILLING ERROR/15 U.S. CODE 1681e- Compliance Procedures ( b ) Accuracy of Report WHENEVER A CONSUNER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUN POSSIBLITY ACCURACY OF THE INFORMATION CONCERNING THE INDIVDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE SEE BELOW ATTACHMENT
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft because my information has been exposed to Equifax data breach and XXXX XXXX XXXX data breach. There are inquiries on my credit report I didn't authorize and they are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. As these inquiries someone used my social security to gain benefits.
Product: Debt collection

I have been disputing a account on my credit report from XXXX XXXX XXXX. On XX/XX/2018 i sent a letter to XXXX XXXX XXXX certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. i never received a response from XXXX XXXX XXXX within 30 days.They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.