23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed individual items on my credit report before, however, this complaint is specifically regarding the re-aging of accounts. Experian has re-aged accounts on my credit report that should have aged off of and of of reporting on my credit report. I would like for Experianto scrub my credit report and remove any aged out accounts being reported, as well as removing any accounts that were improperly re-aged which should have no longer been reportable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My device has hacking software add to it
Product: Credit reporting, credit repair services, or other personal consumer reports

Wasn't notified of investigation results. Company is harassing. 

The federal Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692
Product: Vehicle loan or lease

This is for a boat loan. 

On XX/XX/XXXX, at or around XXXX hours, USAA denial a boat loan without checking my credit report. 

XXXX called back as and stated that a manager will review the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAN NOT GET MY CREDIT REPORT AND CAN NOT GET FREE ANNUAL CREDIT REPORT
Product: Credit card

Discover Card XXXX. XXXX XXXX XXXX XXXX, OH XXXX XXXX : Discover Card Account # Ending in XXXX To whom it may concern : This letter serves to clarify matters regarding the Discover Card account ending in XXXX listed on my credit report. Please note that the Discover Card account of which I am now a joint account holder is reported inaccurately. 
I applied for a Discover card in XX/XX/XXXX and was denied. Later, my former spouse applied and was approved. The account was initially opened by my spouse in XX/XX/XXXX after which I was added as an authorized user. We specifically requested that I be added as an authorized user so that I can be issued a card. We were under the impression that there was no way for me to be on the account as a joint account holder due to the fact that my application was denied. After requesting documents to add me to the account, we spoke with a representative from Discover that explained that although the account may appear on my credit report, I would be added only as an authorized user. 
The account appeared on my Experian credit report on XX/XX/XXXX with me listed as an authorized user and on the same report ; the same account is listed again as a 'joint with XXXX ' account. Later, the account status changed several times. 
The account had been paid on time through monthly drafts from my checking account until XX/XX/XXXX. XX/XX/XXXX, I was unable to process a payment and made contact with Discover to attempt to pay on the account. A Discover representative explained that the account was involved in a bankruptcy and that I could not be provided any details regarding the account. It was then that I learned that my ex-spouse had filed for bankruptcy which included the Discover account reported as a joint account at that time. Because of the nature of the bankruptcy filing, I was not permitted to receive any information on the account ; however, the account still appeared on my credit report as an account in good standing with no payment history. Although I had called several times XX/XX/XXXX to inquire about the account, I was not able to receive information or updates regarding the account. 
XX/XX/XXXX the account appeared as a delinquent account and was reported as being closed in XX/XX/XXXX. I have disputed the information reported on the account with little success. I am requesting that Discover Card investigate the account thoroughly and furnish me with documents that prove that I have authorized Discover Card to add me as a joint account holder instead of an authorized user. I have spoken to a representative who informed me that there is no record in the system of this documentation. If through your investigation, you find that this is the case, I am requesting that you remove me as a responsible party from the account immediately. 
If you have any questions, I can be reached at .... I can also be reached by mail at ... .. Your cooperation would be greatly appreciated. Thank you for your time and prompt attention to this matter. 

Sincerely,
Product: Debt collection

Debt Collection Agency is attempting legal action for a Debt they have refused to substantiate. I initially received a letter saying they had purchased the debt during the height of the pandemic.

I requested a copy of the signed credit application, payment ledger if applicable, balance due at time of default if applicable and they have refused to respond or provide the information in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Transaction on XX/XX/XXXX  in the amount of {$7300.00}. Priceline confirmed that this charge was reversed on their side, but Citi will not credit the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My federal student loan servicer Mohela sent me a notice dated XX/XX/2023 that states the following student loans were forgiven based on review of TEPSLF application. I have attached copy of notice that details that I satisfied loan obligations for loan sequence XXXX and XXXX Under loan program DLUCNS for amounts {$93000.00} and {$15000.00}. Please reflect the student loan discharge on my credit file from all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. there is some inaccurate information reporting. 
OAG CHILD SU Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$180.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX GA XXXX XXXX Balance {$110.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX Date XX/XX/XXXX 2024
Product: Checking or savings account

I deposited a check at my local branch. They instructed me that my funds would be available on Tuesday. I made sure this question was answered before depositing. They assured me Tuesday or sooner. I then logged online and was advised by another rep that funds would not be available for another almost 3 weeks. They misled me as a consumer and tied up my funds which is causing a hardship for me
Product: Credit reporting or other personal consumer reports

They have been sent numerous complaints. The XXXX has been contacted since XXXX, XXXX, and XXXX. I've requested reports and documents to validate their claims and I've received nothing yet they continue to report false information to experian who have corroborate with them and never provided any documentation to the accuracy of the account. The accounts are not reporting 100 % accurately and also identity theft reports were sent as well as ftc fraud reports sent to experian. 15 U.S. Code 1692c - Communication in connection with debt collection says that all communication should cease and desist. no talking to any bureau or me
Product: Credit card

I'm still in a bad situation with citibank. I have a line of credit/credit card with Citibank. I lost my credit card on XX/XX/year>. The last transaction was made at a XXXX XXXX  station on XX/XX/year> in XXXX, NY. Several days later a fraudulent transaction was made for {$6200.00} from XXXX in XXXX, NY. On the day the fraudulent transaction was made, I received a call from Citibank and immediately spoke to a representative from Citibank to verify the purchase. When I reviewed the summary of charges with the representative, she found a transaction for {$6200.00} from XXXX in XXXX, NY that was charged to my card which I did not authorize on XX/XX/year>. I told the representative that the card was lost several days before the day the fraud transaction was made and that the purchase was fraudulent. My last transaction was made on XX/XX/XXXX at a gas station in XXXX, NY. The representative issued me a new card and then told me that the fraud transaction would later be removed. The charge was still posted to my account. I spoke to a representative from Citibank for a second time on XX/XX/year>. I explained my situation about the fraudulent transaction again. I cooperated with the investigation and provided information to the Citibank representative. I was told again not to worry and that the fraud charge of {$6200.00} would immediately be removed. As of now, the charge is still on my account. This was different and opposed to what was originally assured to me. The charge is unusual and uncharacteristic with the history of charges made on my Citibank credit card. I have not ever made CC charges with the XXXX merchant in the past. The unauthorized fraud charge of {$6200.00} from XXXX is still on my Citibank account. This unfortunate circumstance is a huge inconvenience to me. If this situation isnt handled properly I will never bank or do business with Citibank again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Product: Checking or savings account

I provided all of my information to verify my identity. They are telling me that they can't verify who I am? I sent id front and back provided my SS number and took a picture of myself. I have everything needed to prove who I am and it's me. My direct deposit is now in limbo or been stolen for all I know and this is ridiculous. I really hope that I was not taken advantage of.
Product: Credit card

I am filing this complaint against Synchrony Bank due to unfair and misleading deferred interest charges applied to my credit card account. 

I regularly made monthly payments on my account and intended to fully pay off the promotional balance. Unfortunately, due to unclear and insufficient communication from Synchrony regarding the expiration date and terms of the promotional balance, I was unaware that failing to pay the full amount by the promotional end date would result in substantial retroactive interest charges. Additionally, even though I had a 0 % interest rate and set my payments to the minimum amount, the minimum payment set by Synchrony was intentionally lower than what was required to fully cover the balance within the promotional period. This practice effectively sets customers up for financial sabotage.

As a result, Synchrony applied approximately {$1600.00} in retroactive interest charges, causing significant financial hardship. 

Despite multiple attempts to resolve the matter directly with Synchrony Bank, including discussions with representatives and managers, my requests for reconsideration and interest reduction have been denied. 

I seek assistance to facilitate a resolution. My desired outcome is the removal or substantial reduction of these retroactive interest charges due to inadequate notice and unfair business practices. 

Thank you
Product: Checking or savings account

Wells Fargo is ignoring my requests to close my Everyday Checking account. My first written account closure request was by letter dated XX/XX/2022. My second written account closure request was by letter dated XX/XX/2022. Wells Fargo has given me no explanation for holding my account open against my express instructions. Perhaps it wants to report maximum open accounts to its shareholders, but holding an account open against a customer 's repeated instructions is as bad as opening accounts without customer 's authorization. My account has had a XXXX balance for months, with no outstanding transactions. My last resort is to trouble Wells Fargo 's regulator, the Consumer Financial Protection Bureau, with helping me effectuate account closure. I will be grateful for the CFPB 's assistance.
Product: Credit reporting or other personal consumer reports

For several months, I've attempted to apply for both a XXXX XXXX card preapproval and a XXXX card with my credit freeze lifted. However, both banks claim they can not access my unfrozen credit report. Despite multiple calls, Ive made no progress. The XXXX application even resulted in XXXX hard pulls on my XXXX report, yet they were still unable to view it. Why can't these banks access my credit report? Im attaching proof from XXXX XXXX and XXXX, as well as confirmation that my credit freeze has been lifted. I even tried completely unfreezing it, but the results were the same. This situation is unacceptable, and I can not resolve it without identifying the issue and receiving competent assistance.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I spoke with a Mr. XXXX XXXX about my inability to pay being that i was unemployed at that time. He informed me that i could have the XXXX payment waived by going on a payment plan that would push my account out to XX/XX/XXXX. When The XXXX came around i had just began back working starting XX/XX/XXXX. Being that i was unemployed for a total of 6 months, I also had other bills ( Carnote, Insurance, childcare, ect. ) that i had to take care of or else i wouldve continued to be unemployed without the proper means to get to work. Starting XX/XX/XXXX and almost every day there after i would recieve at least 6 live phone calls a day from Their Place of business LENDMARK FINACIAL SERVICES Located in XXXX, MD XXXX. It didnt really bother me until Yester day XX/XX/XXXX, I received a phone call from an unknown number not saved in my phone. Turns out it was the Branch manger, Mrs. XXXX XXXX Contacting Me Using HER PERSONAL PHONE, Once I identified my self, mrs. XXXX preceeded to tell me that i was past due, which i was aware of and explained to her that i can not send what i dont have and that i was working on trying to fulfil my balance. She then threatened that she would foward my file to an attorney that would then move foward with garnishing 25 % of my wages and then hung up the phone. I called her back to ask what other options did I have because i was planning on making a payment today XX/XX/XXXX, in which i did in the amount of {$200.00}. She then preceeded to tell me that i was behind 2 payments as if to say she did not believe i was activley trying to fulfill my my balance or would be able to. I feel this was a form of harrasment because I recieved i high influx of calls from the company while at work with patients and then to have a Manager use her personal phone to contact me was just mind blowing. I understand there was a job to be done which was getting in contact with me, however it was done incorrectly and Unprofessionally.
Product: Money transfer, virtual currency, or money service

U.S Bank is refusing to give me my money back even though XXXX admitted that there are unauthorized charges on my account. I am blocked and can not access my own XXXX account because of the unauthorized charges totaling {$13000.00}. They have also used the excuse that I should have reported the fraud within 60 days, otherwise, they could have helped me, but they did provide me {$5300.00} in credits from XXXX, even though those fraudulent charges happened way longer than 60 days ago as well so their excuses are not valid. I no longer feel safe banking with them and if I do not get my money back, I will be switching banks.
Product: Credit reporting or other personal consumer reports

They keep ignoring my request for review of my disputes.
Product: Credit reporting or other personal consumer reports

The following credit bureaus stated they would report credit information on my credit report according to FCRA guidelines. I repeatedly disputed XXXX for a late payment in XXXX. I provided documentation to XXXX as well as all of the following credit agencies providing my delinquency was due to an error. The amount was paid XX/XX/XXXX according to my bank statement confirmation number XXXX. I reached out to the provider and the was made aware of the error but stated there was nothing that could be done but send me a credit for the paid amount through the mail in the form of a check. I explained this in writing to each credit bureau and I even called and spoke with several representatives. It's rather unfair that I have a late payment still showing after they have had proof from my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, XXXX reported several late payments marked as past due on several accounts reporting on consumer 's XXXX account. One of the accounts is JPMCB ( XXXX ). Its reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I've already contacted JP Morgan Chase Auto ( JPMCB ) in regards to the late payments, in which I submitted a good will complaint via phone to JP Morgan Chase Auto to update the accuracy of the account, and to update the late payments to reflect paid on time. JP Morgan Chase Auto refunded consumer of all late fees, but the account still has not been updated to reflect accurate and " PAID ON TIME ''. This inaccuracy is affecting consumer 's credit worthiness and fairness of reporting per FDCPA and FCRA standards of reporting and accuracy. XXXX is obligated to report compliantly and to 100 % truth, correctness, completeness, timeliness, and documented irrefutable proof of ownership and responsibility of any allegations of adverse aspects to an account or of a derogatory account in and of itself. XXXX knows an account CAN NOT report XXXX days prior to 30. I have already informed XXXX that there is inaccurate reporting on THIS ACCOUNT. The other inaccurate account that's reporting on consumer 's report is XXXX ( XXXX ). This account is reporting inaccurate, consumer reached out to XXXX in regards to the inaccuracies of late payments being reported for XX/XX/XXXX, this XXXX account has always been in deferment, so there should never be any late payments reflecting on consumer 's credit history for any and all XXXX accounts. Per the XXXX XXXX data formatted standards of legal reporting of consumer accounts and profile history and per the Fair Credit reporting act, namely section 609 a1A, it is in CLARITY that XXXX is MANDATED to retain COMPLIANCE at all times, particularly upon notification by an infringed consumer that XXXX is deficient of its requisites to report adequately and a challenge ( or dispute ) is lodged versus any data information previously NOT proven PHYSICALLY to be affirmed valid or is UNABLE to be demonstrated as true, accurate, complete, timely, and otherwise fully compliant to laws upon a documented declaration of concern by the consumer.
Product: Credit reporting

I have a creditor who pulled my credit report without my permission. TransUnion wants me to approach the creditor and get permission to remove the hard inquiry. TransUnion is also asking for a personal statement to remove the hard inquiry ( I am OK with this request ). There is no process to remove fraudulent hard inquiry on credit report on their website or by phone call. Spoke with customer service and supervisor at TransUnion. TransUnion will not provide evidence that the creditor pulled my credit report legitimately or had permission. This is double standard. TransUnion is asking me to do the legwork of contacting creditor and getting a letter but they will not do the investigation themselves nor provide evidence that the creditor pulled my credit report legitimately. This inquiry only shows with TransUnion. No other credit bureau shows this information. I need help with removing the hard inquiry on my credit report with TransUnion. I do not feel that I should have to contact creditor, get a letter, do the investigation and waste my time when the issue was created by the creditor/TransUnion. Thanking You
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many credit inquires that I did not authorize through Equifax.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX