23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I used Experian to access my annual free credit report ( which came with a {$1.00} fee ). I was unaware that doing so had signed me up for a service. 

Last night I saw that a charge for {$21.00} had posted to my card, so I followed up by logging into Experian to investigate. I cancelled a service I did not know I had been signed up for. 

I called customer service, and they were unable to refund my money because more than 24 hours had passed since they charged me. This is an unreasonably short amount of time for someone to be expected to check their credit card statement for serviced they never knowingly subscribed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # 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: Debt collection

I disputed the accuracy of the account with XXXX XXXX they were not the original creditor and I don't owe them. I never gave permission for my information to be sold to a third party so they obtained my information illegally
Product: Credit reporting or other personal consumer reports

1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported.

2. What certified documents were reviewed to conclude your investigation?

3. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. What did it cost your company to obtain the documents needed to complete your investigation?

5. Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7. If you reply yes to the above then : Who did you speak with?

What was the date?

How long was the conversation?

What was their position?

What number did you call?

What is the name of your employee that spoke directly to the above party? What is the position of your employee that spoke to the above party?

How long has that individual been employed by your company?

What type of training was provided to this employee in order to investigate items of this kind? Were there any e-mails or written communications between employees of your company and the above party?

8. If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account ( s ) in question.

9. Please provide the date of the commencement of delinquency.

10. Please provide the SPECIFIC date reporting of this item will cease. 
Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owned by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within fourteen ( 14 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication.
Product: Credit card

I received an offer to open an credit card with USBank, which they did not honor. The offer stated that if I spend {$1000.00} within XXXX months, I 'll receive a {$200.00} statement credit. I received {$100.00} after spending {$500.00}, but did not receive the full {$200.00} after spending {$1000.00} within XXXX months, which is sooner than the offer required. I called them and was eventually told I needed to fax the original offer letter to them to prove that I was supposed to get {$200.00} after spending {$1000.00}. After faxing it, they still refused to give me the remaining {$100.00}. They stated that they placed me in a separate promotional offer with a lower APR, which offered only {$100.00} after spending {$500.00}. USBank said I would need to reapply for the credit card in order to get the offer I originally applied for. I can not do that due to the negative affect it may have on my credit score. Plus, I do not know if I 'll be placed in the same program again. I am looking to purchase my first home within the next year, and I do not want the additional credit request to negatively affect my score. USBank refused to fix this situation for me even though I faxed to them the original offer letter. I felt like I was fraudulently given an offer in order to bait me, upon which I relied, then changed the offer without informing me until I called about why I was not awarded the {$200.00}. I was then given something cheaper and of lesser quality. The application for this credit card negatively affected my credit score, which I thought would be fine due to the additional {$200.00} that I should have received, but instead I only received {$100.00}. I used the promotional code that was on the original offer letter when applying for the card online and was approved ; I spend the required {$1000.00} within the first XXXX months of opening the credit card ; and I faxed the offer letter to USBank to show what they had originally offered me. Yet they refuse to fix this problem for me. I have the offer letter and all bank statements showing I spent {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of significant concern regarding my credit report. It has come to my attention that Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. 

FCRA Obligations Under Section 611 of the FCRA, a consumer reporting agency is required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a dispute from a consumer. This includes the obligation to : 1. Review evidence provided by consumers : The FCRA mandates that credit reporting agencies must consider all relevant information submitted by consumers when investigating disputes.

2. Correct or remove inaccurate information : If the agency determines that the information is indeed inaccurate, it must correct or remove it from the credit report. 

Recent Developments I would like to bring to your attention the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB alleges systemic issues, including : - Failing to forward consumer-provided evidence to furnishers. 
- Accepting unreliable responses from furnishers. 
- Not adequately notifying consumers of dispute outcomes. 

These allegations resonate with my own experience with Experian, where my disputed accounts remain unresolved despite the compelling evidence I submitted. 

Experian 's failure to correct or remove disputed items has resulted in ongoing harm to my credit standing. This not only affects my financial opportunities but also constitutes a violation of my rights as a consumer under federal law. 

Request for Corrective Action In light of these issues and the relevant provisions of the FCRA, I am formally requesting immediate corrective action to either remove or amend the disputed accounts on my credit report. I expect a thorough reinvestigation of the disputed items, as mandated by law, and a prompt resolution to this matter. 

Conclusion Thank you for your attention to this critical issue. I look forward to your immediate action and a written response detailing the steps taken to resolve my dispute.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below 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 {$0.00} These credit accounts and collections are the results of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected, Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and seek appropriate redress for these violations.
Product: Checking or savings account

I WANT MY MONEY BACK! Money missing from my account FOR THE LAST 2 MONTHS! Chime have given me 2 different accounts and routing statements, why? One statement has an amount i have never gotten {$1300.00} and has no amount of my SSD and no balance for my statements, why? I have had to pay my bills twice and my credit card twice for the last 2 months. My money amount isn't on either statement. I have an email where my payment was successful. I have called them and emailed them several times. They have been rude, hung up on me today they won't email my ( 2 ) statements or call me back! I even sent an email to their XXXX department and still no response. MONEY BACK NOW!
Product: Credit reporting or other personal consumer reports

Mohela inaccuratly reported my federal student loan balance as increased by {$1000.00} which dropped my credit score. My balance on my Mohela portal is accurate and never shows a balance increase, as my balance has never increased. My credit report shows Mohela inaccuratly reported my balance as increased to {$1000.00} higher than my actual loan balance. 

I have been unable to get ahold of Mohela directly due to long wait times on the phone. Today, on XX/XX/2024, I submitted a dispute with XXXX  and a complaint with the Department of education requesting this error be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX   XXXX  there was an individual inquiry on my credit report for a car loan that I did not authorize or approve of.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting confirmation from Equifax that they will not be willing participants in the XXXX XXXX  XXXX XXXX XXXX mischief XXXX On XX/XX/XXXX Equifax responded to complaint XXXX please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax CFPB XXXX responded on XX/XX/XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. The mailed results have not been received. On XX/XX/XXXX Equifax responded to complaint XXXX : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an internal review was completed and results were mailed to you. On XX/XX/XXXX complaint XXXX submitted to the CFPB requesting : Equifax disingenuously responded on XX/XX/XXXX to CFPB XXXX " ... Please be advised that an internal review was completed and results were mailed to you ... '' No internal review results were mailed to be received. On XX/XX/XXXX Equifax responded to complaint XXXX : Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. XX/XX/XXXX + XX/XX/XXXX Equifax represented internal review was completed that on XX/XX/XXXX has been initiated. When the furnishing company provides their findings, we will send those results to you. On XX/XX/XXXX as Equifax had clearly demonstrated on XX/XX/XXXX + XX/XX/XXXX no intent to communicate internal review results further responded to complaint XXXX : Closed with explanation. Closed with explanation was Equifaxs intent to conceal it malfeasance. On XX/XX/XXXX submitted complaint XXXX respectfully requesting : " If this is not intentional malfeasance, please respond with the alleged completed results that have NEVER been mail received by me. '' On XX/XX/XXXX Equifax responded : " Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. ''
Product: Credit reporting or other personal consumer reports

A inquiry on my Credit report i don't recognize did not authorize the consumer to pull my credit report and not attached to any open accounts on my credit report. 
XXXX XXXX XXXX. Inquiry Date XX/XX/year> 2023
Product: Debt collection

I woke up on XX/XX/2020 to an email from XXXX  that I had four new delinquent accounts that just popped up out of no where. These accounts never showed on my report as even a credit pull, just delinquent. So I then did a dispute and today XX/XX/2020 just under the 30 day mark for XXXX, they are saying these accounts have been reported accurately on my report, therefore they are my accounts. Then, I tried reaching out to Midwest Recovery, the reporting collection agency and they couldn't pull up anything by my name or social security number. There are a total of four accounts all from the original creditor " XXXX XXXX  XXXX XXXX '' of which showed up on my business bank account last XXXX-XXXX  as fraud. All totaling around $ 22k. I have worked very hard for an excellent credit rating and if anyone saw my credit they would know that these are not my accounts. If XXXX   did their due diligence they would see that these accounts are bogus and there was no proof that they belonged to me.
Product: Credit card

I requested an increase of credit and was turned down. I've had a credit card with them for several years and have paid my bill on time and never been delinquent. There was no need for them to turn me down for an increase.
Product: Credit card or prepaid card

I received a special offer promotional rate (  XXXX  promotional purchase  APR ) f or  XXXX  billing cycles. Since this was a second time I got this, I called  American Express to see why I got a second. The first offer   came in the mail several weeks ago and I called the company to accept the offer. After the customer service person read me disclosure info, I accepted and was told the offer would become effective in a couple of days.Since that time I made charges on the account believing I had that  XXXX  APR.     The call I made today to inquire, again I was asked personal information and was told they could not locate my first offer, but I could reapply. I told him it was ok I would. Again a disclosure was read and I said I 'd accept it. At that point he told me the offer would not apply to charges I had made before today and it would take effect in a couple of days, and again told it would not apply to the over {$900.00} in charges I made. I only made those charges because I thought I had the lower rate. I would have placed it on other cards I held to get rewards.     I could not get any satisfaction from this person, so I requested to speak with a supervisor. I was told there was none available to talk to me. He put me on a 5 minute hold and came back to tell me he spoke with a supervisor who said I could not use the offer on the amount I had charged. I insisted on speaking to a supervisor and after another hold, a  XXXX , employee #  XXXX  told me he was the supervisor. I again explained the situation and also that I was an over 25 year  American Express  card holder.     After speaking with him, he again said the offer I was given before could not be located and the present offer could not be used towards my new charges, ( which by the way will not show up until my next month billing ).   I received no satisfaction from either person I spoke with. I also told  XXXX  I 'm concerned too because the person I spoke to several week ago also was given my person info and what happened to it .... He had no answer.   I would appreciate ant help I can get here and am following through with this complaint. Also is there a federal agency I can contact?     Thank you,
Product: Debt collection

This compliant file against the law frim of XXXX XXXX XXXX, PA XXXX XXXX corporate office in XXXX FL. Who is the represent of America Express company Here are the fact America Express is a company were the member had to pay a member duties of XXXX per year. card number XXXX is a gold card. XXXX XXXX NO reason the closel the card base on these fact that they request financial statement for the year XXXX and give the client just 15 day to send the finical report to them. the client could not produce the financial base on the fact that XXXX was out commission for a year. America express just had bill the client the card for XXXX membership fee. which in fact that shall be refund back the client. the client have never missed any monthly payment or late that America express request over since the card was issue back in XXXX. the evidence will show that there are two card that have a XXXX per card per year membership fee. Which is XXXX that America express just bill the client for. America express need to refund those charge. and this account is not past due on the second card number is XXXX but America express failed to put that card in collection why? we just pay then on or about XX/XX/XXXX for amount of XXXX and the pay ment was XXXX and pay them on XXXX XXXX XXXX forXXXX and XX/XX/XXXX for XXXX and XX/XX/XXXX XXXX which is XXXX in one month. CFPB need to invesgatin America express for take there client money and then close there account. that unfair practice. please have America express to produce and presented a validate document of this debt by a sign date personals Guarantee by  the owner of a LLC.
Product: Credit reporting or other personal consumer reports

What happened is simple : you failed to uphold your legal responsibilities under the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. My credit report contains inaccuracies and unverifiable claims that violate my rights as a consumer. Specifically : Unverified Accounts You reported accounts under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without ensuring they were accurate or providing verifiable proof they belong to me. This is a clear breach of 15 U.S. Code 1681i, which requires you to investigate disputes thoroughly and verify all claims. 

Inaccurate and Unsubstantiated Collections Collections reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lack evidence of their validity. According to 15 U.S. Code 1681e ( b ), credit reporting agencies must maintain maximum possible accuracy in consumer reports, which you have failed to do. 

Unauthorized Hard Inquiry The hard inquiry by XXXX XXXX ( XXXX ) was unauthorized. Under 15 U.S. Code 1681b, you may only include inquiries with my explicit consent or a permissible purpose. Since you can not prove this inquiry was authorized, it must be removed. 

Your failure to adhere to the law is unacceptable. I demand that you either : Provide verifiable proof for all listed accounts, collections, and inquiries. 
Or remove these entries immediately if proof can not be provided. 
Your inability to fulfill these obligations demonstrates negligence in ensuring the accuracy of my credit report and maintaining reasonable verification procedures. 

I expect a corrected credit report and documentation confirming the actions taken to resolve these issues. If you do not comply within the legally required timeframe, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligence.
Product: Credit reporting or other personal consumer reports

Accounts XXXX XXXX financial XX/XX/XXXX {$1100.00} First point coll reso XX/XX/XXXX {$690.00} Trans union XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX CAPITAL XXXX VIA XXXX XX/XX/XXXX ( Finance ) NCC/KEFFER XXXX XXXX XXXX Auto ) XX/XX/XXXX CAPITAL XXXX ( Bank ) XX/XX/XXXX XXXX POWERSPORT ( Retailer ) XX/XX/XXXX XXXX XXXX MOT ( Retailer ) XX/XX/XXXX XXXX inquiries GLOBAL LENDING XXXX XX/XX/XXXX TRULIANT FEDERAL CRE XX/XX/XXXX TRUIST DEALER XXXX XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX CAP XXXX VIA XXXX XXXX, XXXX XXXX XXXX OF XX/XX/XXXX CAPITAL XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX POWERSPORTS XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 2023
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LVNV Funding - XXXX $ LVNV Funding - XXXX $ LVNV Funding - XXXX $ XXXX XXXX XXXX - XXXX $ These are all reported without my consent or knowledge, ive tried disputing contacting, removing, by all accounts these should not be on here.

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. They also have no permission to report anything using my info pursuant to 15 USC 1681 4.

Also Used 15 USC 1692 C, They violated my rights by lawful communication, remove all these from my accounts, Ive gotten no movement and they havent removed anything. Would like this handled fast
Product: Credit reporting or other personal consumer reports

After I tried to apply for a credit card and was denied I discovered that there were loan applications that I did not apply for on my credit report. Thankfully, I had them removed and then I discovered another one from 2022 that I have also not submitted. I contacted the company because I never applied to US BANK. Truthfully, I never heard of US BANK. I am not sure how they obtained my information or how this application was submitted. I thought perhaps they changed their name and are under a DBA but it appears they are not. They have no information from my SSN on file and without any further investigation the customer service agent did not try to investigate they simply hung up the line which I considered to be very unprofessional.