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

XXXX XXXX has incorrectly reported a late payment on an account that they refuse to correct despite numerous attempts to remediate via the local branch and the corporate credit office. I have bank statements from my account and have been provided a payment history from XXXX XXXX which clearly show 2 payments made in XX/XX/XXXX negating the need for a payment in XX/XX/XXXX. Several employees including the branch manager, XXXX XXXX, have agreed that the reporting is inaccurate and have assured me that they will get it corrected yet months upon months continue to go by with NO results. I have filed credit disputes with all 3 bureaus two separate times ( XX/XX/XXXX and XX/XX/XXXX ) and they keep stating the account information is updated yet payment history is still showing a 30 day late payment. 

After the first promise from XXXX XXXX that this would be handled and the ball was dropped I made it clear that I expected it to be handled for certain this time around to which he guaranteed it would be and was confused as to why it wasn't corrected. He then passed the buck to another employee XXXX XXXX who has been in contact with the credit department to get this resolved, all to no avail. I keep getting lip service that someone will handle it and it's not happening. It's been over a month now that I've been promised from XXXX and XXXX that someone will correct the reporting and I have no answer. This is despite the fact that they assured me it would be quicker to have them handle it directly with the credit department rather than going through the credit department myself which I was told had a timeline of 30 days which I made clear was unacceptable considering I'd been trying to have this handled since early XX/XX/XXXX. 

The company is violating credit reporting laws by continuing to report this payment as late. My next step is contacting the Attorney General to get results as this is negatively impacting my credit portfolio.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear to whom this may concern, I have two false accounts that do not belong to me and need to be taking off my XXXX  account immediately please. 

1. XXXX XXXXXXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX Both of the accounts are on a closed status.These do not belong to me. This is effecting my credit tremendously and needs to be dealt with as soon as possible please. 



Thank you so much!
Product: Credit reporting or other personal consumer reports

The following hard inquiries are fraudulent and do not belong to me, therefore, they need to be removed. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Checking or savings account

I opened account with us bank and they closed it and are refusing me my money and its XXXX
Product: Credit reporting or other personal consumer reports

I am disputing a fraudulent collection account ( s ) that appears on my credit report : These account was opened without my authorization and is a clear case of fraud. Additionally, under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 Section 602 guarantees my right to privacy regarding my consumer information.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) prohibits a consumer reporting agency from furnishing an account without my written instructions.

15 U.S.C. 1666b mandates proper billing and reporting procedures, which were not followed. 

I demand the immediate removal of this fraudulent account from my credit file. I have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please provide written confirmation that this account has been deleted within 15 days of receiving this letter. 

I reach out numerous if times and still no change. you can even look in my notes
Product: Checking or savings account

They closed my account and were not able to provide me with a reason. My savings account had {$2000.00} in it and they said they would send a cashiers check for the amount within 15 business days. It has now been over 15 business days and I never got a check in the mail for the funds I had in my savings account when it was closed by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 we received an email from XXXX XXXX that a debt was allegedly owed. On XX/XX/2019 XXXX XXXX received a lawful Debt Validation affidavit that went unrebutted along with Disclosure Statement with questions unanswered. On XX/XX/2019 XXXX XXXX received a Fault in Dishonor Notice in regards to the Disclosure Statement not being answered question for question. On XX/XX/2019 XXXX XXXX received a Default in Dishonor Notice with the disclosure statement still unanswered. On XX/XX/2019 XXXX XXXX Received an Estoppel Notice for which the only mail they sent afterwards was the alleged promissory note for the student loan which did not answer any of the question from the Disclosure Statement. Please See Attached Documents :
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed : Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from XXXX XXXX dated XX/XX/2022 after I applied for a business credit card. The info posted by XXXX XXXX XXXX for account # XXXX IS INACCURATE AND NOT VALID. 

After multiple requests, XXXX XXXX XXXX has failed to provide documentation of any agreement between them and I, that gives them right to continue to bill me after I told them I no longer want their services. I never had a contract with XXXX XXXX XXXX and never signed up to be their customer. I was customer of XXXX XXXX and after my contract with them was up, I was on a month-to-month basis payment without contract. XXXX XXXX was bought out by XXXX XXXX XXXX at some point and they increased their prices. I made contact with them and told them that I no longer want their services, as they increased the price from what I was previously paying and did not want to replace the defective equipment that was given to me by the previous company with a lifetime warranty replacement. XXXX XXXX XXXX is not owed any money, they continued billing me eventhough I told them I do not want their services, until I sent back their bill back with " RETURN TO SENDER - RECIPIENT NO LONGER AT THIS ADDRESS '' on the envelope.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the account completely from my Credit Reports : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I applied for the America Express " XXXX XXXX XXXX '' card. I was declined with a credit score of XXXX as I am a XXXX building credit. I feel that the selective process in which America Express used to decide my creditworthiness was not fair. I am a XXXX XXXX in my late XXXX. Honestly, from my perspective, the credit industry as a whole is flawed to the point that it is a disgusting degenerate sore in our society. The percentage rates for people building credit are unfair to the point I feel like a third class citizen. This feels as if the credit industry has the right to be credit XXXX for the lack of a better term. I contacted American Express on XX/XX/XXXX at approximately XXXX XXXX. to dispute the declined status on my creditworthiness as I do not agree with it. American Express listed off several reasons why they declined my application for credit ; the most I took away was that my credit score of XXXX was not good enough, and the representative said those exact words.
Product: Credit reporting or other personal consumer reports

I send my dispute letter for this incorrect/accurate account and inquires please delete it now XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$1500.00} XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX Account Number : XXXX {$1400.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX. 
Account Number : XXXX XXXX XX/XX/XXXX {$0.00} XXXX Account Number XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXXXXXX XXXX  XXXX Account XXXX XXXX XXXX {$390.00} XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my dispute letter on XX/XX/2023, requesting the consumer reporting agency to " investigate every piece of information '' on the accounts I have listed below. I have attached my previous communications for the accounts listed below. 

According to the FRCA The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Your company continues to state that the accounts mentioned were verified, but how is that possible if they did not properly investigate according to the law? Please note that all the information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate.

Lastly, I have attached a copy of my recent consumer report that highlights the specific inaccuracies, which are violations of 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am using the XXXX app binance and my trading has been disabled for over 3 months after doing everything it says to resolve the issue and have submitted multiple tickets to be fixed and have received 0 response from the company.
Product: Bank account or service

Discover Bank sent me an offer stating that if I opened up a savings account with them, depositing at least {$10000.00} by XXXX XXXX 2015, they would issue me a {$100.00} promotional credit within 4 weeks of opening the account. I opened the account, placed the promo code in the field, saw where it said I would receive {$100.00} and proceeded to deposit {$15000.00} into a savings account transferred directly from an external credit union. After 4 weeks, they only issued me a {$50.00} credit. I complained to Discover Bank but was told they needed 6-8 weeks to " investigate '' the issue. This seems like a well thought out scam - the bank gets my money and can loan it out or invest it at a higher rate than I am receiving, and they delay on giving me the full promotion to which I am entitled thereby making even more profit off of the offer they seem unwilling to honor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified erroneous accounts and information on my credit file. I have reached out to the credit bureaus by mail, e-file and telephone call with no assistance. I've been fighting these errors since I found them. This problem is making it impossible for me to do what I need to do credit wise because of the negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Federal rights have been violated repeatedly by EXPERIAN on XX/XX/2022 XXXX XXXX Account XXXX was DELETED on EXPERIAN which XXXX have uploadedx proof. 
Experian has ILLEGALLY REINSERTED A Fraud account without anything in writing or proof of verification method this is ILLEGAL A Reporting Violation has been Found They responded to my CFPB on XX/XX/2022 and the unverified information had already been deleted. On XX/XX/2022 they opened an online dispute and reinserted XXXX XXXX on that day this is illegal .why would they system show 4 open disputes on the same day XX/XX/2022 all disputes closed that same day. I have uploaded proof of previous disputes with dates and proof it was deleted on XX/XX/2022. I have rights as a consumer please investigate Experian for this please and thank you. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion Dont forget they closed the dispute same day it was open
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I had fraud on my account, contacted bank on XXXX XXXX XXXX about problem, they determined on XXXX XXXX that no error accrued. Try and try to contact but they ignore me and wont do anything about this problem
Product: Debt collection

Complaint number continuation XXXX The owner of XXXX XXXX is XXXX and XXXX XXXX my dear the same people you have been harassing for money we don't owe but you owe us
Product: Credit reporting or other personal consumer reports

I have had many compromised email alerts, there are inquiries that I never did. it shows that my SSN was compromised and my report shows there are student loans out in my name to schools that I never attended, such as XXXX. I would like any derogatory accounts or negative impacts from my credit removed as a result of my SSN and my email accounts being compromised.
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. 

XXXX of XXXX, XXXX of XXXX, XXXX of 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. 
- There are several inaccuracies being listed on my credit report
Product: Credit reporting or other personal consumer reports

Whenever Transunion prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. If the completeness or accuracy of any item of information contained my file at a consumer reporting agency is disputed by me and I notify the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from me. Any person who willfully fails to comply with any requirement imposed under The Fair Credit Act with respect to me is liable to me in an amount equal to the sum of any actual damages sustained by the me as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. A person shall not furnish any information relating to me to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Reporting information after notice and confirmation of errors. A person shall not furnish information relating to me to any consumer reporting agency if the person has been notified by me, at the address specified by the person for such notices, that specific information is inaccurate ; and if the information is, in fact, inaccurate. Which it is as evidenced by CFPB complaint # XXXX where entries were removed due to it being inaccurate by XXXX. Transunion not only continued to report inaccurate information but updated the information to show accounts closed as of XX/XX/year>, after my initial dispute which is absolutely inaccurate. I have suffered injury due to them continuing to report inaccurate information. When I reached out to the again, instead of them reinvestigating they send me a letter. There are major discrepancies with the credit agencies reports. I have provided proof of how they do not match up due to inaccurate reporting. It has been well over 30 days. I want the inaccurate information, any discrepancies disputed removed. When requesting they provide how they came up with the end result that differed from another agency, I was not mailed anything but my credit report.