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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry XXXX XXXXXXXX XXXX Hard Inquiries XXXXXXXX XXXX XXXX not authorize this inquiry XXXX XXXX XXXX Hard Inquiries XXXX I did not authorize this inquiry XXXX XXXXXXXX XXXX XXXX  Hard Inquiries XXXX I did not authorize this inquiry I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and Experian. 
Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and Experian failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine.

Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and Experian have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : Immediate investigation into the disputed items listed above. 
Removal or correction of the inaccurate information. 
An updated copy of my credit report reflecting these corrections. 
I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved.
Product: Credit reporting or other personal consumer reports

Multiple inquires on my account were all made within the same month before I locked my accounts. 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 I locked my accounts immediately following and requested they be removed. Caller on other end said it was not there responsibility. These inquiries are not mine and I never approved of them. FCRA, requires these unverified and unauthorized items must be-removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying put freeze my credit settings on experian.com/freeze results in constants errors and an impossible follow-on process to get this done. It looks like almost a deliberate attempt to prevent a consumer to put a freeze on a service that they have not requested or asked for in the first place.
Product: Credit reporting or other personal consumer reports

IN 2005 I was given a HELOC with INTEREST ONLY PAYMENTS. at that time until recently I was unaware that this is an illegal loan. I paid on it for 14 years interest only payments. This derogatory information needs to be removed from my credit report. 



Also I recently requested a 5 year fraud alert on my Experian file and received a letter stating that I need send in identifying information. I did this and was it is being requested of me AGAIN. PLEASE LOOK INTO THIS. I ALREADY SENT IN THIS INFORMATION.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a home and noticed damages on my report which is a deformation to my character according to the 15 U.S.C 1681 there should not be any damages on my report. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent. Sent letters XX/XX/2023 and XX/XX/2023.
Product: Checking or savings account

Always had the money on one on my accounts and was charged an NSF fee on another. Bank abuse
Product: Credit card

I spoke to representative XXXX I believe was her name and she lied to me about Barclays sending me a letter last month of my credit decrease. She did not listen to my question and frustration that my credit was decrease almost a year ago before then transition of banana republic synchrony to Barclays. She seems very Sarcastic when I asked her about policy time frames of when does the bank realse the letter and just told me to call a different number. I was an associate banker at chase and I know this is not tolerable service not only it was rude but it was also the fact she lied.
Product: Credit reporting 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 correct. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed 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: Debt collection

Dear Midland Funding, I was sent a letter on XX/XX/2021 by the company XXXX XXXX XXXX XXXX XXXX about an alleged debt that I supposedly owed. On the letter it shows Midland Funding XXXX XXXX as the current creditor but I have not had any debt with your company or XXXX, who it shows as the debt collector. 
I requested for all written verification of the original debt and that it be sent to my address, showing what purchase ( s ) I made and the total principal amount owed on this alleged debt. I also requested a copy of the alleged final account statement from the 'original creditor ' or even from your company, as it shows you being the 'current creditor '. Documentation showing the total for these charges and the fees applied to them, the dates for each fee and the dates each were incurred is also requested. Also please provide the date this account first became past due and the date this account first went into Collections. At a minimum, I'm requesting a copy of the original signed agreement between myself and the original creditor showing proof of such exchange.
Product: Debt collection

Freedom FinancialXXXX XXXX XXXX tried to make a principal payment- the system will not let me. They will not take the payment over the phone. This is a simple interest account so if I make principal payments they get less interest- they will not transfer to a supervisor. They tell me they can not accept the principal payment until I make the next month 's full payment. In addition, I asked for a complete accounting of where and how the money was distributed and they could not give me one. This is highway robbery. How can a company stop you from making a principal reduction payment?
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting by Transunion still showed i have a paid federal tax lien on my report. I have disputed it with them 3 times. All of my other federal tax liens have been removed from my report. Even XXXX has removed all of my federal tax liens from my report. These liens were paid XXXX/XXXX/XXXX and all they have done was update, which they should have removed them just like the other 7 which were paid on the same date.
Product: Credit reporting or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting or other personal consumer reports

I downloaded my credit report in XX/XX/XXXX and seen a lot of unauthorized inquiries I did not authorize 5 accounts I never had I got a police report sent it to all three credit bureaus as a identity theft and they took it off and it gotten right back put on the report XX/XX/XXXX Theres no investigation being done with Equifax, XXXX, nor XXXX they are going off see say and all this has putting my life on hold do to financially grow for my family needs Ive been disputing and sending out my letters like I was supposed to in order to fix the problem and its a waste of time and money I need my financial freedom back please and thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I co sign for my daughter at XXXX XXXX and notice 6 to 7 inquiries on my credit report from different lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX reported balance {$400.00} : XX/XX/XXXX {$400.00} : XX/XX/XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX XXXX inquiry : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Product: Debt collection

I have attempted, via XXXX XXXX, to receive a Validation of Debt. Midland Credit Management has NOT provided the Validation Letter in which they are trying to collect. Now they have sent me a 1099C for a debt they refused to validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent the ftc violaton they are taking more than 30-45 days
Product: Checking or savings account

Today I received an email an account was attempted to be open in my name at Bank of America. It was for a Bank of America Advantage SafeBalance Banking Account. 

This is the second attempt is less than a year. The first attempt was XX/XX/XXXX. The second attempt was today XX/XX/XXXX. 

I do not wish to bank with Bank of America and I continue to have issues with fraudulent attempts to open accounts in my name with them. 

When I try to call I have no account info so Bank of America will NOT assist in confirming accounts with my name and info are NOT opened or in use.
Product: Money transfer, virtual currency, or money service

My complaint is with Bank of America. I travelled in XXXX over the summer. One of my flights was cancelled and the airline in question owed me money for a hotel I had to stay in. They requested to send the money via international wire to my bank account. I opted to use my Bank of America account as it is one of the primary accounts I bank with. I provided them with the wire information which I found at https : //www.bankofamerica.com/deposits/wire-transfers-faqs/ along with my identifying details. The airline wired the money- it posted in my checking account on XX/XX/2022 in the amount of XXXX. A few days later, I noticed that a wire transfer fee of XXXX $ had also posted that day. I called the bank to investigate ( this was around Monday the XXXX of XXXX ). The associate told me she believed that the XXXX $ charge was due to a separate transaction on the XXXX ( which was in fact a recurring monthly XXXX to XXXX XXXX XXXX  that had never been charged a fee before ). I initially accepted this explanation, but then after hanging up, I looked back at past examples of that XXXX and saw no fees charged. 

I then checked the fee schedule published on Bank of America 's own site at XXXX : XXXX which they link to directly from the previously mentioned page and refer to as the " Online banking service agreement '' ( under the FAQ section " Can someone wire funds to my account at Bank of America ? ). A search for the word " inbound '' on that page has only 4 hits, none of which explicitly mentions a fee. A search for the word " international '' turns up 9 hits, none of which mention a fee. 

I then called them again on XXXX. I explained the situation to the associate and he offered to try to get a refund of the fee but this was denied. I told him I would be filing a complaint with the CFPB. 

Screen caps of all of this are attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan that was financed in house by XXXX XXXX XXXX XXXX All payments are made on time or within a 2 week period. Payments are made via debit card. Experian is showing late payments more than 9 times. I have never been late. I have disputed this with Experian but they refused to do a proper investigation according to law and just rely on the company word of mouth. If Experian followed the law they would see that XXXX is providing false information. Experian is at risk of having a class action lawsuit filed against them for failure to follow FCRA laws and for failure to conduct an investigation when a dispute is filed.
Product: Credit reporting 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 confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 card or prepaid card

I have a Citi DoubleCash credit card for which I requested a cash back check in the amount of {$620.00} in XX/XX/XXXX. When I didnt receive the check by mid XX/XX/XXXX, I called the Citi customer support line. After several calls over a two-month period, I was eventually told the check had been cashed and that a copy of it would be sent to me. Since I never received and/or cashed the check, a crime was committed. 

I eventually received a copy of the check from Citi and I reiterated to Citi that it wasn't my signature on the endorsement line. In XX/XX/XXXX, Citi asked me to provide additional information ( by filling out a fraud form ) and affirm that it wasn't my signature on the endorsement line. I did as requested. But in the ensuing months as I've attempted to resolve this issue, Citi has only responded to me with additional copies of the check and letters saying that the check was cashed. An example of the responses I've received since XXXX is provided by the XX/XX/XXXX letter that I've included with this complaint. 

No one at Citi has been willing to provide me with information to report this crime. I would like to file a police report with my local police department. Ive asked Citi, both over the telephone and in a letter, how I can get additional information about this transaction such as where the check was cashed, was it deposited into an account and whether any identification information was recorded when the person cashed the check. 

As I stated, in response to my written and telephonic inquiries, Citi simply responds with another copy of the check and another letter stating that the check has been cashed. The company seems unwilling to make me whole ( by remitting the amount of the check ) or to even provide me with any information about this crime.
Product: Checking or savings account

I emailed my complaint to Wells Fargo Bank after my numerous unsuccessful attempts to convince their bankers that their overdraft fee of {$35.00} was unjustified. 
I received their negative response despite the screenshot of my account for the day when overdraft is occurred, clearly showing positive balance at the end of the day. 
I have attached the file for your information. 

Thank you. 

XXXX XXXX
Product: Debt collection

Portfolio Recovery calls from a bunch of numbers. They call daily or twice a day. Almost never leaves a message or it's so garbled or such a heavy accent you can't fully understand what they are saying. I've tried to block them. They have somehow gotten my number even though it's on the no call list or under robokillers website or suspicious numbers.
Product: Credit card

My monthly bill was to high to pay, my job cut down my hours so it made it hard to pay the minimum. we could not come to a mutual agreement.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 
Upon reviewing my credit report, I have identified factual errors in the reporting of the account from XXXX XXXX XXXX ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Misrepresentation of Payment History ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The credit report shows continuous " C '' ( collection ) notations from XX/XX/XXXX to XX/XX/XXXX, yet the balance has remained {$1400.00} with no recorded payments or new activity. 
If no payments were made or missed beyond the initial charge-off date, continuously reporting new delinquencies each month is factually inaccurate and misleading.

This misrepresentation of account status negatively impacts my credit score in violation of 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information about an accounts status.

Incorrect Account Terms & Reporting Duration ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The account is listed with a " 1-month term, '' yet it continues to be reported as delinquent for over a year.

If the account was charged off or placed in collections in early 2024, new monthly delinquencies should not continue to be reported.

12 CFR 1002.6 ( b ) ( 6 ) requires credit information to be reported accurately, including the correct duration and status of an account.

Failure to Properly Update Account Status ( 12 CFR 1002.10 Furnishing of Credit Information ) The balance history shows no changes in the amount owed from XX/XX/XXXX through XX/XX/XXXX. 
Despite no updates to the balance, XXXX XXXX XXXX continues to report new collection activity as if payments were actively being missed. 
This violates 12 CFR 1002.10, which mandates that credit information be accurate and updated as necessary.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that creditors must ensure credit information is accurately reported and updated. The erroneous delinquency reporting violates
this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly communicated. This reporting error constitutes an adverse action that has not been properly disclosed. 
Sincerly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are inaccurate addresses on my report that I need to remove. These inaccurate addresses are causing identity theft issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each month, Bank of Hawaii locks me out of my online account, leaving me unable to pay my car payment. I have to call in, and wait 20-30 minutes to talk to an online representative or go into a local branch to make the transfer. The entire point of online banking is for the convenience of being able to do it from my phone or computer at home, and Bank of Hawaii is failing horribly with their customers on this page. I 've been trying to speak to a customer representative agent the past 3 days to get my account unlocked, but due to excessive waits ( minimum 20-30 minutes ), I have not been able to access my account. They said that they added a new layer of security to their  accounts, yet all it 's doing is preventing me from being able to access my accounts, and is going to be reflective on my credit score that payments are being late- solely due to the fact that I constantly am locked out of my account. It seems as though Bank of Hawaii is doing this on purpose to collect late payment fees, and it seems scammy.