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

Got a notification of a new account being on my credit report that I did not open. All the report says is Source XXXX Alert Date XX/XX/2023 Balance Amount {$0.00} Open Date XX/XX/2023 Name COMENITYBK/XXXX  XXXX  XXXX XXXX Address XXXX XXXX XXXX City XXXX XXXX Zip XXXX already reported to XXXX but they said I needed to make a report here.
Product: Credit card or prepaid card

The situation is rather simple. I am attempting to sync my credit card account with the online service " XXXX   '' ( budgeting software plus a few other features ). The creditor has blocked access to said service due to " security reasons ''. The account, and the information associated with it, is mine to decide who to trust or not trust. I have the right to access my own financial information as I see fit.
Product: Mortgage

I applied for a loan on the phone with US Bank. I was told I would get an application to sign and that I would also have someone calling me on Monday, XX/XX/XXXX, this was Saturday XX/XX/XXXX. I had waited a week and I never received a call or an application. 

I called on Monday XX/XX/XXXX and I had asked for a supervisor to call me and to date I have not had a supervisor call. I tried calling a mortgage number that I had, two days in a row it is over an hour hold time and no way that I can leave a message of phone number for someone to contact me back.

I feel like this must be against disclosure and lending laws. Don't they have to get an application out to me within three days? 

Thank you, XXXX XXXX XXXX
Product: Credit reporting

Ive been writing and mailing Experian to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information.
Product: Credit reporting or other personal consumer reports

Debt Validation Request Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) and the Fair Credit Reporting Act ( FCRA ) Portfolio Recovery Assoicates XXXX XXXX Account Number XXXX XXXX I am sending this letter in response to the alleged debt you are reporting on my credit report. I dispute the validity of this debt in its entirety and demand strict verification per my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Under 15 U.S.C. 1692g ( b ), you are required to provide me with detailed and verifiable proof of the following : XXXX. Proof of Ownership : A signed contract or agreement that proves I have a direct obligation to pay Portfolio Recovery Associates. 
2. Chain of Custody : A full payment history and a breakdown of how the alleged balance was calculated, including the original agreement with XXXX XXXX XXXX. 
3. Proof of Authorization : A copy of your legal authority to collect this debt, including the purchase agreement or assignment contract between you and the original creditor. 
4. Proof of Licensing : Your companys collection license for my state, proving you are legally authorized to collect debts in my jurisdiction. 
Additionally, under 15 U.S.C. 1681s-2 ( b ), if you can not verify this debt with concrete proof, you are legally required to delete this account from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) . 
If you can not provide the requested validation within 30 days, you must immediately remove this account from my credit report and cease all collection activities as required by federal law. Any attempt to report unverifiable or inaccurate information violates the FCRA ( 15 U.S.C. 1681n and 1681o ), and I will be forced to take legal action if necessary. 
This letter serves as notice that I do not consent to any phone communication regarding this matter. All correspondence must be in writing. Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 
I expect a response within 30 days from the date of this letter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Ive gotten a couple of items that were stolen and it was waiting for the merchant claims for over 120 days refund was sent back to my account after items werent found. And I notice my account was closed after that.
Product: Credit reporting or other personal consumer reports

This account has been closed out by the time share company XXXX XXXX. But they keep it on my credit report. Hurting my credit report drastically. Very dirty people
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint in regards to my wayfair account that is held by commenity bank. Back in XXXX of 2020 my account was closed by the creditor due to XXXX taking them over. I never had a physical card with wayfair and no account number. I had to pay this card via wayfair 's website. Well in XXXX when they closed down the website went down as well. I contacted wayfair back then and told them how do I pay my bill? I was told I will receive a statement. I never received any statements from them. Again I called and told them that I still have not received any statements and how do I pay my bill? Again was told not to worry a statment will be sent.I was also told they are not transferring my account to XXXX I would have to re-apply again. Which I did not. I have never encountered a situation where if a company closes I have to re-apply again. Aside from that I again attempted to find out how I pay this bill. Never received a statement no phone calls nothing. Finally last month sometime in XXXX of 2020 wayfair called me and told me that my bill is past due and late fees were put onto the account. I told the rep that I am not responsible for all these late fee 's. She hung up on me. I reached out again and called them back and explained to a supervisor ( my request ) what had just happened. The supervisor agreed to remove all the late fee 's and agreed the website was shut down. Now it's on my credit reports which is affecting my credit score. I paid what my true balance was plus a little extra just to clear this account while I was speaking to a supervisor who was actually listening. I again requested to please send me a statment or something to show that the bill is paid in full. I still havent ' received anything. I am upset that I have no records at all of what I paid. I am also upset that this is on my credit reports as negative. It was not my fault that they decided to shut there website and there representatives do not address issues with there former customers. I am requesting this negative remark from wayfair be removed off my credit reports. I pay all my bills on time and my credit is extremely important to me.
Product: Credit reporting or other personal consumer reports

I was paying off on an apartment that I lived in called XXXX before the lady who worked in the office quit. Instead of them talking to me about it. They put it on my credit report and now fares in and out collection wants me to pay {$10000.00}. I do not owe that amount because I was making payments. Im like {$200.00} short and I have proof of it and I keep putting it on my dispute. However, Experian is not letting me Ive been dispute it since 2022 of XXXX when I was out of the apartment. Experience is not looking at my documentation when I upload proof.
Product: Student loan

After taking out student loans in order to finish school. I was unable to make payments. I contacted my lenders and was instructed to send in documentation regarding my financial situation. I did do so, however it was n't credited to my account. XXXX claimed to not receive the documentation required after several attempts to send the documentation. When they did admit to receiving the paperwork, they claimed it was one day too late. This not only affected my credit but it kept me from obtaining employment. I feel their actions were fraudulent. I would like my credit report to reflect that all of my loans were in deferment at the time. Additionally they gave me the wrong information regarding my student loans and was under the impression that they were my only servicer and was responsible for me not contacting department of Education regarding the same loans.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( o ) Civil Liability for Negligence and 15 U.S.C. 1681 ( n ) Civil Liability for Willful Noncompliance.

Upon reviewing my credit report, I discovered that Experian has reported inaccurate and/or unverifiable information, despite my previous attempts to dispute the matter directly with them. The following incorrect information remains on my credit report : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Nature of Dispute : Unverified Account Creditor Name XXXX XXXX Account Number:XXXX Nature of Dispute : Unverified Account Creditor Name : XXXX XXXX Account Number:XXXX Nature of Dispute : Unverified Account Under the FCRA, consumer reporting agencies and furnishers of information are required to maintain accurate credit reports and conduct reasonable investigations when consumers dispute inaccuracies. However, Experian has failed to comply with these legal requirements by failing to investigate, failing to provide verification, refusing to remove inaccurate information. 

This negligence and noncompliance have caused financial harm, including but not limited to loan denials, increased interest rates, emotional distress. 

I am requesting the CFPB to conduct an investigation into this matter and ensure that Experian complies with federal law by correcting or removing the inaccurate information from my credit report. Additionally, I seek confirmation of any enforcement actions taken against the responsible party. 

I have attached supporting documentation, including copies of my credit report, previous dispute letters, and any responses received from Experian for your review. 

I appreciate your immediate attention to this matter and look forward to your response. Please contact me at your earliest convenience to confirm receipt of this complaint and provide updates on the investigation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I already contacted the company about the unwanted account being open in my name and they still refuse to delete the account. I even went over my credit report and theyre reporting inaccurate information for the account thats on my report. Theyre reporting incorrect payment history for all 3 credit bureaus. Even a identity theft report was made and is attached
Product: Student loan

I have XXXX private loans with Navient associated with the XXXX XXXX, which the Department of Education deemed as a fraudulent school. All three loans originated at the end of 2005. The original principal balances of the loans are {$3500.00}, {$1000.00}, and {$500.00}. The current total loan balance is {$14000.00}. Considering the payments I have made on this account over the past XXXX decades, the principal balance has been paid back, but some.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills. I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT EDXXXX XXXX {$88000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX {$650.00} XXXX  XXXX XXXX    XXXX {$510.00} XXXX/XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$4000.00} XXXX  XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$540.00} XXXX  XXXX  XXXX {$1100.00} XXXX  XXXX {$540.00} XXXX  XXXX  XXXX {$700.00} XXXX/XXXX   XXXX {$640.00} XXXX XXXX {$1500.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$450.00} XXXX/XXXX  XXXX {$700.00} XXXX XXXX XXXX  XXXX {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a new credit card in XX/XX/2017 with citicards. I signed up for Autopay. For some reason, the Autopay did not go through. Neither citibank or my XXXX XXXX XXXX could figure out why it didnt go through. 

But, Citibank charged me a fee and then my credit score went down. 

I called citibank and they said to make a payment and fax a letter to citibank credit reporting Dept. I did that, but now citibank cant tell me anything about receiving the letter. 

Now my credit score is very low, and it wasnt my fault the payment was late. It was a bank error, not my error. Need help.
Product: Checking or savings account

Hi there, My complaint is regarding accessing the customer service team at XXXX XXXX Bank of America XXXX The company only allow its clients to reach the customer service team through a phone call. Many times, there are excessive wait times ( ~50+ minutes ). Frustratingly, even after waiting that long, calls can drop off and the client needs to start the entire call +waiting from the beginning. This really causes a lot of inconvenience for the consumers. 

Interestingly, there are some issues that can be easily resolved over emails, rather than forcing customers to go through this long waitings. But the company doesn't offer any such customer service email addresses to its clients. 

I was wondering if CFPB has any authority to force financial institutions to improve their customer service operation for consumers by reducing wait times and allowing alternative mediums to access service associates ( e.g., email ). 

Thank you for your kind consideration. I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been disputing TRANSUNION, XXXX, AND XXXX about these inaccurate and incomplete items they are reporting on my credit report and have not deleted nor sent me documents verifying the validity of the alleged debt. I have usps certified mail tracking numbers for all letters with no response. please see the attachment below
Product: Mortgage

In XX/XX/XXXX, I made the decision to switch homeowners insurance providers in order to decrease my monthly payment to my mortgage provider ( Chase Bank ). 

Around XX/XX/XXXX, I called the homeowners insurance department at Chase to inform them I would be switching from XXXX to XXXX as my insurance provider. I inquired on what steps would need to be taken to ensure that only my new insurance provider would be paid. The agent informed me that Chase would freeze any payments to XXXX and that I just needed to provide the declaration page from my new insurance provider ( XXXX ). I submitted the form to Chase via their online portal. 

Around XX/XX/XXXX, the Chase online portal showed payments were made to XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. The amounts of these payments were {$3000.00} and {$1600.00}, respectively. I called Chase that day and spoke with an individual on their escalations team. He informed me that their processing team had made a mistake and that I would need to contact XXXX directly to receive a refund. I requested an explanation letter of how this error occurred and was told it would take up to XXXX business days to receive the letter. To date, I have not received the letter or any contact from Chase regarding the matter. 

The same day I contacted Chase, I called XXXX to cancel the payment. The agent with XXXX confirmed the refund was being processed and that Chase would receive it by the end of XXXX. 

Subsequent calls with Chase resulted in a promise that my monthly payments would be reduced until this escrow processing error was resolved. On XX/XX/XXXX, I was charged {$430.00} more than my normal monthly payment. I called Chase on XX/XX/XXXX to inquire on why I was overcharged. They claimed they had not received my insurance refund and had no explanation for why I was overcharged. I also spoke with an agent from XXXX that confirmed the refund was submitted to Chase weeks ago. 

In summary, Chase had committed a serious processing error while handling my escrow. As a result, they are continuing to overcharge me by a significant amount and lie to me when I call to inquire about this issue. Neither Chase nor XXXX can confirm where my refunded insurance money is.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX  Date of inquiry : XX/XX/XXXX Account name : XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1. ) I had a XXXX account that closed on XX/XX/XXXX and it is still shows on my credit report Disputed Accounts. I owe {$0.00} to XXXX and this account shouldn't appear in my credit report. 
2. ) Another account that's shown in my credit report Disputed Accounts is XXXX/XXXX. This account was closed on XX/XX/XXXX. I also owe {$0.00} on this account and it shouldn't appear in my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am sending this complaint to request the deletion of the late dates of the disputed item from my credit report. Despite my attempts to have the inaccurate and incomplete reporting verified by your bureau, still the inaccurate information appears on my report. Upon contacting the relevant company, it was confirmed that an error had indeed occurred. Additionally, assurances were given over the phone that the account would be promptly updated. 

XXXX XXXX XXXX XXXX
Product: Debt collection

This was disputed before the deadline and no one responded with a list of how this amount was determined. In fact, no one responded at all. Instead, they placed this on.my credit report in XXXX, well before their own deadline to respond. I do not owe this and no one has proven otherwise.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and I wanted to ensure the 100 % accuracy of every item reporting within my consumer report. I asked the company to reinvestigate the accounts listed on my consumer report for accuracy.
Product: Bank account or service

I USED MY PAYPAL BUSINESS DEBIT CARD TO RENT A A CAR. 
WHEN I GOT HOME, I NOTICED THAT THEY HAD AUTHORIZED XXXX CHARGES ON MY DEBIT CARD, XXXX FOR XXXX AND ANOTHER FOR XXXX, I CALLED PAYPAL TO INFORMED THEM THAT I ONLY AUTHORIZED A TRANSACTION FOR XXXX. 
PAYPAL PROCEEDED ON TELLING ME THAT SINCE THEY WERE PENDING THERE WAS NOTHING THEY COULD DO TILL THEY POST. WHEN THEY POSTED I SUBMITTED A CLAIM AND THEN 24 HOURS LATER THEY SENT ME AN EMAIL REQUESTING MORE INFORMATION. 30 MINS LATER THEY SENT ANOTHER EMAIL DECLINING MY REQUEST. AND WHEN I CALLED TO GET INFORMATION WHY. THEY STATED SINCE THE CONTACT I SINGED FOR WAS FOR A CHARGE OF XXXX AND WITHIN THAT CONTRACT IT STATES THAT THEY CAN CHARGE THAT AMOUNT AND ANYTHING ELSE AFTER I RETURN THE CAR THAT THOSE CHARGES ARE CORRECT. 
NOW THE CHARGE OF XXXX WAS ACCORDING TO XXXX FOR A PREVIOUS RENTAL THAT I OWED MONEY ON ( WHICH I AM ATTACHING AN INVOICE THAT I ASKED FOR WHEN I WAS THERE AND ITS A XXXX BALANCE ). HOW DID I AUTHORIZE THAT TRANSACTION WHEN I USED A DIFFERENT CREDIT CARD WITH THAT PREVIOUS RENTAL AND THAT CHARGE WAS DONE BEFORE THE AGREED AMOUNT OF XXXX? THEN THEY STATE THAT THE XXXX WAS THE ADDITIONAL FEES THAT THEY WERE CHARGING, NOW THEY CHARGED THESE FEES THE DAY BEFORE I RETURN THE CAR, IN THE CONTRACT IT STATES THAT THEY ARE NOT SUPPOSED TO CHARGE MY CARD TILL AFTER I RETURN THE CAR WHICH I DID NOT RETURN IT TILL XX/XX/XXXX. 
PAYPAL REFUSES TO PROCESS MY DISPUTE AND AS OF RIGHT NOW THEY REFUSE TO DO ANYTHING. THE ONLY CHARGE THAT I AGREED TO XXXX AND ANYTHING ELSE NEEDED TO BE CHARGED AFTER XX/XX/XXXX. THE CHARGES THAT PAYPAL ALLOWED TO GO THROUGH MY ACCOUNT ARE XXXX ON XX/XX/XXXX AND XXXX ON XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Experian ; Thom whom it may concern, Last month in XXXX of 2024 it came to my attention that my identity had been stolen and utilized by my neighbor to open up XXXX Fraudulent credit card accounts amid several Hard Inquiries. ( See attached Report ). Those Accounts are as follows : XXXX ) XXXX  Acct. No. XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX  Acct. No. XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX  Acct. No. XXXX {$500.00} Note : Please Delete these Frivolous accounts that are keeping me from purchasing a home!