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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI. XXXX XXXX XXXX XX/XX/XXXXXXXX  Subject : Dispute of Negligence and Noncompliance under FCRA Section 1681O I am writing to formally dispute certain actions that I believe constitute negligence and noncompliance under Section 1681o of the Fair Credit Reporting Act ( FCRA ). I have reason to believe that you or your company have failed to comply with your duties under the FCRA, resulting in harm to my credit report and financial well-being. Specifically, Experian and XXXX. 

Under Section 1681o of the FCRA, an individual can seek civil liability when a consumer reporting agency or furnisher of information has negligently failed to comply with the provisions of the FCRA. I believe that the actions outlined below meet the criteria for negligence or noncompliance, as they have directly impacted my credit and violated my rights under the FCRA : Failure to Investigate a Disputed Item : On XX/XX/XXXX, I submitted a dispute regarding XXXX. However, after 90 days I received no response or investigation into the matter, which is a clear violation of FCRAs requirement for timely resolution. 

Inaccurate Reporting or Failure to Correct Information : Despite [ prior dispute, investigation, or correction request ], inaccurate information remains on my credit report, indicating negligence in ensuring compliance with FCRA obligations. 

Failure to Provide Required Notices : A notice of dispute resolution or error correction, were not provided. 

As a result of this failure to comply with the FCRA, I have been adversely affected in the following ways : Denials of credit, higher interest rates, and emotional distress. 

Therefore, under FCRA Section 1681o, I am requesting the following : Immediate investigation and correction of the inaccurate information or other violations. 
Compensation for any damages caused by the failure to comply with FCRA provisions, including but not limited to [ list damages, such as costs, fees, and any other monetary losses ]. 
A written response detailing the actions taken to remedy the situation within the time frame required by the FCRA. 
Please take immediate action to correct this issue. If this matter is not resolved satisfactorily within [ reasonable time frame, such as 30 days ], I will consider all legal options available, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or seeking legal action. 

I expect a prompt and thorough resolution of this matter. If you require any further information from my end to facilitate this process, please let me know. 

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

I was an authorized user on a XXXX credit card that belonged to my husband. 

I contacted XXXX in XXXX and was assured that I was removed from the account. 

After 30 days, XXXX is still reporting that I own this account and refuses to remove it from my credit report. Additionally XXXX is no longer reporting any information to any agency because they do not exist. 

XXXX was sold to XXXX XXXX  XX/XX/XXXX. I do not have any accounts personally with XXXX or XXXX XXXX. XXXX XXXX  confirmed today that I was not on their accounts. 

XXXX on the other hand, has removed the account from my credit report.
Product: Mortgage

Applied for a mortgage from Wells Fargo in XXXX of XXXX on a new construction home. Did not end up building that home, but provided Wells Fargo with a rate lock payment of {$920.00}. Put that payment towards a rate lock for another home, but on XXXX XXXX Wells Fargo - XXXX XXXX informed me that we were denied. I was also told via email that I would receive a complete refund and that it typically takes 30 days for a refund. On XXXX XXXX and XXXX XXXX, XXXX was told via email that refund was still be processed. On XXXX XXXX, I was contacted by XXXX XXXX from Wells Fargo customer service and was told that he would get back to me on XXXX XXXX. I then received another email on XXXX XXXX that I would be contacted on XXXX XXXX. On XXXX XXXX, XXXX, I emailed both XXXX and XXXX explaining that this is unacceptable and that I expected my refund by XXXX XXXX. XXXX XXXX responded that Wells Fargo would contact me on XXXX XXXX. I responded back that this was unacceptable and that I was notifying the CFPB with this situation.
Product: Credit reporting or other personal consumer reports

Equifax credit bureau is fraudulent reporting hard inquiries onto my credit report that was not made by me.. I reached out & told them that I did not authorize those creditors to do a credit application with my social security number I also informed Equifax that the accounts are fraudulent.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

The personal information on my credit report is not accurate, such as incorrect addresses. I have not lived at these addresses. I am a victim of identity theft. Also, I have filed a complaint.
Product: Credit card or prepaid card

Barclay 's Uber Visa Credit Card Benefit in dispute : Cellular phone protection claim denied On XX/XX/2020, my XXXX XXXX cellular phone and backpack was stolen from me at the XXXX XXXX XXXX parking lot. Attached is a police report from XXXX County. A benefit with Barclay 's Uber Visa credit card is cellular phone protection in the event of theft, worth up to {$600.00} with a {$50.00} deductible. My claim was denied because Barclays said that because I put my backpack down, I " voluntarily parting '' with my device. I dispute this reason. Someone ran by and stole my backpack and XXXX XXXX. This should be easily covered by the benefits claim. I uploaded to Barclays all necessary documents : theft police report, Barclays credit card statement with the cellular phone bill on it, XXXX XXXX phone bill with matching charged amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX  XXXX, US DEPT OF EDUCATION XXXX XXXX US DEPT OF EDUCATION XXXX XXXX US DEPT. OF EDUCATION/XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have new evidence experian is violating my rights. Now I am exercising my right under 15 USC 1681i ( a ) i am demanding and requesting the description of reinvestigation of the procedure.
Product: Credit card

I referred XXXX persons to apply for AMEX XXXX credit card, and I shall receive XXXX bonus points per person when they get approved. I sent them the invitation email through AMEX system, and they received and clicked the link in that email to apply and they XXXX all got approved for that card. However 8 weeks later I did not receive my referring bonus. I contacted with AMEX and they said there is no record that my friend applied through my referring. I swear XXXX that I watched them click the link in my referring email and then get approved. How could they have no record!!! It must be their system errors or the bank intend to lie for this issue. I learned from social media that I am not the only one who met with this issue with AMEX and I believe that you also received other complaint about this issue. I just want to get the points I should receive. I have contacted with AMEX and they filed a investigation but keeps the same conclusion.
Product: Credit reporting or other personal consumer reports

I have two accounts that I have requested to be removed from my file. Both accounts are over 10 years old and serve no purpose in my report. Equifax, in their brilliance, has decided that since I filed a dispute for removal and the information was deemed valid by the companies, it will now stay on my credit file for up to another ten years. 

XXXXXXXX XXXX last activity was XX/XX/XXXX but since I disputed it this month on XX/XX/XXXX it is now scheduled to stay on my report until XX/XX/XXXX. Equifax can't continue to make and apply rules that contradict the FCRA. 

XXXX XXXX  date of last payment XX/XX/XXXX should have come off one to two years ago but again because I had to dispute the information it is now scheduled to stay on my file until XX/XX/XXXX. 

Why does XXXX feel it can do whatever it deems to a consumer credit file? If the company sends data saying the sky is blue they put it on your report with no validation and no proof but for a consumer to remove or have accurate information they have to jump through loops and provide documents. Yet, they create rules to continue to manipulate data to ensure consumers ' scores are low to benefit their clients banks, lenders to ensure higher interest rates, and poor creditworthy consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the XXXX  XX/XX/XXXX in reference to an account with XXXX. After the XXXX contacted them I got a call from someone in HR 3 weeks later saying they were working on my complaint and someone would address it in a few more days. I called back several times before I reached someone who saw the notes on the account indicating a settlement offer could be initiated. I was told the  settlement offer was {$1100.00} and it could be sent overnight to XXXX XXXX XXXX XXXX DE XXXX. I was pre-approved for my mortgage XX/XX/XXXX. I was told this account was still showing an open balance of {$2500.00}. It was never updated to " balance XXXX, settled for less than the full balance. On XX/XX/XXXX, myself, my lender, and the credit department from my lenders office called on a conference call, and was told the payment was received and I owed nothing. Fast forward to Monday XX/XX/XXXX I called XXXX inquiring about why the debt hasnt been updated on my credit report and I was told because I didnt pay the entire balance. I asked the rep to review the notes on the account, which she did. She came back and apologized after seeing the notes, gave me a reference number XXXX and no explanation as to why 3 months have passed and this has not been updated on my TU credit report. They acknowledged the payment had been received and I know it was received because it was sent certified mail. I need it DELETED from my credit report at this point. Calling is a hassle because a person will be transferred 3-4 times before getting to the correct department and the problem still will not be resolved.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Synchrony Bank asking for covid assistance on a store credit card that exited a no interest promotion in the second half of XXXX. At the time the no interest promotion expired my balance was a little under {$3000.00} and since the time the no interest promotion expired at the end of XX/XX/XXXX I have been charged {$2700.00} in interest -- while continuing to make $ XXXX/mo payments and not incurring new charges -- which is completely absurd. My balance today is just under {$4800.00} ... 

This was my second call to the company asking for help in XXXX of XXXX and in both calls I spoke to five total agents, supervisors, and managers who all told me they are not permitted to provide any assistance. The supervisors and managers repeatedly state that they are " unable '' to help me in any way, and when pressed to clarify they have said they made a business decision to not waive any interest charges even when people express a need for assistance due to covid relief. One associate also told me that I should have called sooner because they stopped helping people in XX/XX/XXXX. 

Working in a financial services industry myself, I know that the phrase " unable to help '' is a lie and really they are actively choosing to inflict predatory interest charges and provide no meaningful assistance during a pandemic. 

This firm ought to be ashamed of itself and I hope by raising this complaint with a federal government regulator they will be motivated to do the right thing.
Product: Debt collection

I have requested Midland Credit Management written documentation about my alleged debt. Now, they called me at work and shared information about me to coworkers.
Product: Checking or savings account

I was reviewing my bank statements for the year and noticed unusually high XXXX transactions. So I started to dig and found four transactions made to an XXXX XXXX account that I did not authorize. I immediately called chase and disputed as they were not mine. They initially denied my claim because I did not include two other transactions. Ridiculous because I did not notice that there were more transactions. 

I then tried to re-open the claim by submitting all my payments made to my XXXX XXXX XXXX card. Unfortunately, they denied it once again. 

I had to do the investigation myself. I called XXXX XXXX and gave them the transaction dates/reference numbers/ amounts. XXXX XXXX confirmed that another person had my account number on their amex and was using it. Simple fraud, another person used my bank account to pay their XXXX, but my bank does not want to cover it. 

My bank is CHASE These are the transactions in question XXXX XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law. 

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them. 

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }. 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 
Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen now I have a bunch of collection which was not me
Product: Credit card

I purchased a bunch of tickets from XXXX XXXX using my Amex platinum card for friends of mine I decided to treat. 
The airline cancelled my tickets out of the blue as they claim since I used same credit card for different passengers it must be Im re selling the tickets, which is totally not true and ridiculous to claim! 

Hence I paid close to {$10000.00} in XXXX for a product, the product in this case airline tickets. The airline refuses to give my money back and has only gave back the taxes. They claim the ticket was non refundable. 

The crazy part is I did not refund the ticket! Rather I paid for a product I didnt receive! In essence I was XXXX  in broad XXXX  of close to {$10000.00}. They took my money and didnt give me the product!!! 

American Express doesnt even read the response from the merchant and keeps closing the dispute. First the merchant sent the wrong section of their terms and conditions. But Amex didnt even have the decency to read through them, rather when the powerful merchant responded they closed the case on their weak consumer! I had to tell them they didnt even read the response. 

Further Amex is not helping me as they claim a merchant can put anything they want in their terms and conditions even if illegal and down right stealing! 

Essentially Amex only helps in disputes if the merchant agrees it was an error and they dont really care about their clients! 

I have begged for a live person to review this case. I even sent a letter to their headquarters with no avail! 

For a company that prides it self on service and that charges a pretty XXXX for it, example my card costs me {$590.00} a year this is an embarrassment! I cant get anyone competent on the phone and this XXXX  misjustice and straight out fraud is not something they care about much!
Product: Debt collection

This debt was removed with the database at XXXX when I called and made a new account. Which needs to be removed from the collection agencie as well. I have a whole new account with XXXX due this being handled and deleted already. This debt is not owed anymore. You cant open a new account if you owe a debt.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate. 
XXXX5 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b CODES FOR INQURIES - 15 USC 1681i 15 USC 1681b - CODES FOR CHARGE OFFS 15 USC 1681IS-2 CODES FOR COLLECTIONS 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of XXXX to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Debt collection

It showed up as collection information on my credit report. It mentioned that the debt belonged to me. I contacted the company Portfolio Recovery at XXXX on XX/XX/XXXX at XXXX XXXX  and requested verification and validation of the debt. I informed my full name and file number # XXXX and requested Purchase Agreements signed and Verification of debt. It was denied by the representative from Portfolio Recovery.