23daVinci/CFPB_Complaints huggingface dataset:
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 confidentiality under 15 USC 1681. 

I told the XXXX, Experian and XXXX to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX, XXXX acccount # XXXX  XXXX XXXX XXXX  account # XXXX  XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX  XXXXXXXX XXXX  account # XXXX  XXXX XXXXXXXX XXXX accout # XXXX  XXXX XXXX  XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXXXXXX XXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX XXXX XXXXXXXX XXXX account # XXXX  XXXX however they stated everything was complete and accurate. But how is that possible if the open date, date of last activities, the addresses on files and much more is incorrect. 
according to 15 USC 1681i ( 5 ) they are supposed to modify accounts that is not reported correctly or delete them. 

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 item of information, other than the records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I have recently received repeated requests to have me open a Lowes. I knew I would be purchasing several building materials for upcoming projects and figured it would be financially advantageous to use the Lowes credit card. I applied online, and went through their prompted questions and answered every one. Even complied with their requests to take pictures both sides of my drivers license id and to upload them into their application program. In addition, I complied with their request to take a video of my face for identification purposes. I did this even though I was extremely concerned about complying with these last two items. 

Today, I received a cryptic email telling me that I received a response to my application. It told me to login to Synchrony Bank, whereby following their instruction, I learned that my application was denied " Unable to verify identity with information provided when you applied ''. It provided absolutely no opportunity to allowing me to correct any perceived errors or information. I called Lowes and they forwarded me to Synchrony Bank, and was repeatedly told my application was denied, and that there was nothing I could do. 

I am extremely upset that I allowed them to access my credit information, and have not been given an opportunity to cure and possible defects they believe to exist. I have taken great steps to ensure that my credit is as impeccable as it can be, and feel that Synchrony Bank has damaged my credit rating with this poor credit approval process and even worse customer service. I STRONGLY ENCOURAGE THE PUBLIC TO AVOID ANY INTERACTION WITH SYNCHRONY BANK for the above stated reasons. Furthermore, I would also suggest that consumers avoid submitting any credit applications to Lowes, as they were completely unresponsive to my concerns in this matter. PS. I tried repeatedly to print out the letter from Synchrony but was unable to print or save this document from their website!
Product: Credit card

I applied for a credit card at a Wells Fargo branch. After several minutes I was turned down. Quite surprised and embarrassed because I know my FICO score is XXXX. I waited for the letter of explanation and it said " we are unable to offer you a credit card for the following reasons-Repossession on credit report ( property taken back due to non-payment ) ''. I know this had to be a mistake and became immediately concerned. I called Wells Fargo and they told me to pull my free credit report from XXXX. I did & the report is perfect. Spoke to an XXXX rep who confirmed this and said there is nothing on the report that would cause credit to be denied. I called Wells back and they said XXXX XXXX XXXX reported it. I then called XXXX and they said I 've been a perfect customer for 15 years and they reported nothing negative. So now it 's XXXX negatives from XXXX & XXXX negatives from XXXX XXXX. I call Wells back with this information and now they say " you returned a leased car early '' which I did under a special program offered by XXXX. Wells Fargo for some inexplicable reason considers that as a " repossession for non payment '' and automatically denies the application. At least I now know my credit is still perfect and it 's Wells Fargo 's application review process that 's defective. Certainly an aggravating experience over the last week.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to Experian regarding inaccurate information on my credit report. Despite providing evidence, Experian has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 USC 1681e ( b ) : Experian has not ensured the maximum possible accuracy of the information in my credit file. 
15 USC 1681s-2 : Experian has continued to report inaccurate information after I provided notice of disputes. 15 USC 1681 ( 5 ) : Experian has reinvestigated and reinserted disputed items without notifying me, as required by law. 15 USC 1681c ( c ) : Experian has reported obsolete information that should have been excluded from my credit report. Recently, I became aware of the lawsuit filed by the CFPB against Experian on XX/XX/year> titled " CFPB Sues Experian for Sham Investigations of Credit Report Errors. '' According to the CFPB, Experian has failed to conduct proper investigations and has even reinserted errors on credit reports, which aligns with the issues I've been facing. 
Experian 's failure to comply with these laws has caused harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities.
Product: Credit card or prepaid card

Citis Best Buy Visa Card wont process my Scheduled Auto Payments on the XXXX  day of the month, regardless of them sending me notifications that my payments are SCHEDULED. They simply IGNORE THEM, LET THEM SLIDE PASSED the due date. When I ask them WHY, all I get are vague responses on how to use the features on the site, instead of reason for IGNORING THE SCHEDULED PAYMENTS!
Product: Credit reporting

Someone in Georgia stole my identity, opened fraudulent accounts, and started a Credit Karma account using my old name and social security number etc after my wallet had been stolen. I have finally gotten all three credit bureaus to report only correct information with the help of a lawyer. I contacted Credit Karma to take over the fraudulent account and had to send in proof of my identity. Now Credit Karma refuses to remove erroneous information even after I have paper copies of all XXXX credit reports and none of the false information is listed there. I want Credit Karma to close my account permanently. They allowed a scammer to open up an account in my name and now refuse to correct my information even after I sent them my documents, which is protected under the Fair Credit Reporting Act. I want them to close my account permanently so that nobody else can do this to me. They are perpetuating a crime against me.
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 by federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX. 
Account one XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Account two XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account three XXXX XXXX XXXX XXXX Open XX/XX/XXXX Account f o u r XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account five XXXX XXXX Account number XXXX XXXX Open XX/XX/XXXX Account six XXXX XXXX Account number XXXXXXXX XXXX Open XX/XX/XXXX Account 7 XXXX XXXX Account number XXXX XXXX Open XX/XX/XXXX. 
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 account without my written instructions 15 you. S. C 1681 c. ( 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 attend dates the report by more than 7 years 15 u.s.c 1681 s-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

Dear CFPB, I am writing to formally dispute the accuracy of late payment entries reported by XXXX XXXX XXXX on my credit report, as permitted under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the reporting of late payments for a duration of 21 months.

The details of the account in question are as follows : - **Creditor Name** : XXXX XXXX XXXX XXXX XXXX*Account Number** : XXXX - **Disputed Late Payment Dates** : XX/XX/XXXX - XX/XX/XXXX I believe these late payment entries are inaccurate due to timely payments made, payment arrangements. Under the FCRA, consumers have the right to dispute information that is inaccurate or incomplete, and I am exercising that right. 

I have attached supporting documentation that substantiates my claim, including relevant documents, such as payment records, correspondence with XXXX XXXX XXXX. 

I kindly request that you conduct a thorough investigation into this matter and remove the inaccurate late payment entries from my credit report. Additionally, I would appreciate receiving a copy of my updated credit report once the investigation is complete. 

To assist in processing my request, my personal details are as follows : - Full Name : XXXX XXXX - Social Security Number : XXXX - Date of Birth : XX/XX/XXXXXXXX  - Current Address : XXXX XXXX XXXX XXXX 

If you require any additional information to facilitate this investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. I look forward to your response regarding the investigation of my dispute. 

Sincerely, XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX WILLIAM RUSH & ASSOCIATES XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This collection agency has placed a debt on my credit report that is not valid. 
This company is attempting to collect an assumed debt that they failed to provide validation of and purchase agreement. 
Statute of limitations on collecting a debt in the state of Texas is 4 years. This assumed debt over exceeds the 4 year statute.
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 confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I sent them a debt verification affidavit and they didnt respond. ( Please see attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX # XXXX is reporting a charge off with a balance to my credit that should not be on there. I have already settled this account and they are still reporting a balance and will not update. This is a violation and I want it updated or removed.
Product: Checking or savings account

I deposited my tax refund check on XX/XX/2023 the money has cleared and I am not being allowed to access my account. I called Capital One 360 bank numerous times and they just keep hanging up on me. They keep saying theyre reviewing my account but not providing me with any information on why I dont have access to account. Ive already called and verified my identity number times.
Product: Credit card or prepaid card

Someone opened new account for XXXX XXXX XXXX XXXX credit card that appears on my credit report.! Also used my XXXX credit card for shopping. Please it should removed from my report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 



XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX  {$510.00} XXXX  XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX  Reported : XXXX. XXXX, XXXX {$1700.00}
Product: Credit card

On a transaction dated XX/XX/2023 I was scammed {$190.00} in the XXXX XXXX XXXX XXXX XXXXXXXX using XXXX XXXX XXXX when a merchant showed me XXXX amount but quickly changed the amount before I tapped my phone. I almost instantly noticed this scam and reported it to Apple Card hoping that this swiftness would help my case. I have gotten in the phone with them multiple times, reopened the claim 5 times, told my story via email and over the phone countless other times. Despite providing all the evidence that I possibly can, Apple Card/Goldman Sachs continues to not only deny the claim but not even look at the details of an obvious scam. The whole point I use a credit card overseas is to protect myself from things like this happening. In the few times it has happened, my other providers ( XXXX and XXXX XXXX ) have timely and efficiently resolved the claim and gotten me back my money. This is the first time Ive ever filed a fraud claim and been denied, and I believe the first claim filed on Apple Card as I mostly use my XXXX and XXXX XXXX. Goldman Sachs keeps requesting that I provide more evidence, but that is not reasonable. The main evidence should be that nobody spends {$190.00} on a XXXX  in XXXX and the commonality of this scam! Especially to XXXX XXXX XXXX! 

To others, dont use your Apple Card if you want any type of fraud protection, they will close your claim in the scammers favor and leave you hanging with the bill. This is a company operating in bad faith with their clients, and I see why the consumer department is going out of business! I wish this would get fairly resolved, so I never have to deal with these crook accomplices again!
Product: Credit reporting or other personal consumer reports

I recently a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my abilty to obtain credit.
Product: Credit reporting or other personal consumer reports

Im in the process of trying to buy a house. In the process of that It was brought to my attention that I have damages on my credit report. According to the 15 USC 1681 Law there should not be any damages on my credit report its defamation to my character.
Product: Debt collection

XXXX. Persistent Noise Disturbances I rented XXXX  XXXX at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) from XX/XX/XXXX to XX/XX/XXXX. 
Throughout my tenancy, I repeatedly raised noise complaints with managementspecifically XXXX XXXX and XXXX XXXX they failed to take effective action. 
On XX/XX/XXXX, I formally informed management that I would withhold rent until the noise issue was resolved. Despite this, they did not remedy the situation. 
I ultimately incurred over {$20000.00} in noise insulation costs and medical treatments for XXXX, caused by months of XXXX XXXX XXXX that XXXX XXXX neglected to address. 

XXXX. Harassment and Discrimination While living at XXXX XXXX, I faced repeated incidents of XXXX XXXX  and discriminatory behavior by staff, including XXXX XXXX and XXXX XXXX. 
I documented these serious allegations in writing and requested XXXX, yet XXXX XXXX took no remedial action. This inaction violated my rights under federal and state laws. 


XXXX. Incorrect Billing and Unlawful Collections After I vacated, XXXX XXXX assessed a {$2800.00} charge against me and forwarded it to Fair Collections & Outsourcing ( XXXX ). 
I formally disputed this bill on XX/XX/XXXX, yet XXXX continued its collection attempts without properly investigating or verifying the debt. 
In subsequent months, XXXX offered increasing discounts ( 20 %, 40 %, then 50 % ), but these proposals do not address or absolve the fundamental issues : I do not owe these charges given XXXX XXXX misconduct and failure to uphold habitability and legal standards.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( XXXX ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove these items from my report. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter.

Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. 

Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting

The state of Illinois put a lien on me for supposed back payroll taxes. This lien has been removed, as it should have since the taxes were estimated by the state and never owed in the first place, I had no employees during or since the periods in question. The Illinois Appeals board has removed the debt from me on XXXX/XXXX/XXXX. I have tried several times to get each of the credit reporting companies to remove this from my report but they keep telling me that it is still being reported by the state. I have and will attach a copy of the letter I received freeing me from the debt which I believe should also clear this from my report since these taxes were never owed in the first place. I have been fighting the state of Illinois since XXXX on this and should not have to have this phony tax burden hurting my credit it is making things very hard to move on with my life.
Product: Checking or savings account

Since 1989, I have been banking with Wells Fargo, 35 years free checking. 

SSA Treasury makes monthly direct deposits. This direct deposit fulfills eligibility for free checking. 

I got my first {$10.00} MONTHLY SERVICE FEE because XXXX has 31 days. 

New Policy fees waived if direct deposits post in 30 days, not 31 days. 

This was set up to fail knowing all calendar months are not 30 days or less. 

7 months in a year have 31 days = {$70.00} a year NEW FEE INCOME is a legitimate scam and greed.
Product: Credit card or prepaid card

I contacted USA on XX/XX/XXXX and notified them of a balance transfer of {$4000.00} that I did not authorize or initiate. I was told that it would be corrected within 2 to 5 business days. I made repeated phone calls to have the charge removed from my balance. As of today, XX/XX/XXXX, USAA has not removed the charge from my credit card. 

I called today to close my account with USAA and request a final payment. I was given a final payment that I will pay at the beginning of next week, XX/XX/2018. 

I have made numerous phone calls to USAA to resolve this problem. They have yet to remove the charge from my account. 

Because of that I called today to close my credit card account with USAA. I can only determine that they are incompetent. 

I will never work with USAA again, they failed to correct the fraud transaction in my account after I notified them the first day of the next week, a Monday, XX/XX/XXXX. It is now XX/XX/XXXX, and they have failed to reverse the transaction. 

Do not trust USAA, they will not protect you from fraudulent translations or transfers. They may not be capable of fixing the fraudulent transfers.