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

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on My Credit Report Dear CFPB, I am writing to request a detailed description of the investigation process your agency followed regarding the disputed accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Upon reviewing my credit report, I identified inaccuracies in the reporting of an account with XXXX. Specifically, I noticed that there were XXXX late payments inaccurately marked on my account. I would like to clarify that these payments were made on time and request that this information be corrected to reflect timely payments. Despite my previous dispute submissions, I have not observed any corrections or changes in the reporting, which continues to inaccurately reflect late payments on this account. 
Account Information : Creditor : XXXX  Account Number : XXXX Discrepancies : The alleged late payments are reported on TransUnion for XXXX and XX/XX/XXXX as 30 days late. However, I have consistently made timely payments, as demonstrated by the attached payment records. These records substantiate that my payments were made as agreed and are evidence of a reporting error. It is concerning that, despite my previous dispute, no adjustments have been made to correct this information. 
Reference to FCRA Compliance and Accuracy : As outlined in 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should accurately reflect the transactions between myself and the reporting entities. Late payment reporting inaccurately reflects my payment history and misrepresents my adherence to the account terms. 
I kindly request that you provide a description of the procedure used to investigate and verify this account. I also ask that you include documented proof of the late payments if available, detailing dates, amounts, and relevant communications supporting these claims. In the absence of valid proof, I expect the credit reporting to be corrected promptly. 
Request for Corrective Action : If, after a thorough investigation, you are unable to provide verifiable proof of late payments, I ask that the account status be updated to " Paid As Agreed Never Late. '' As required by the FCRA, I request a written response within 30 days of receiving this letter. Failure to provide a timely and compliant response will be considered a violation of the FCRA. 
Your cooperation in ensuring the accuracy and fairness of my credit report is crucial. I look forward to a prompt response and a resolution that aligns with the FCRA and the Truth in Lending Act. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an account on my credit report for a vehicle that has been repossessed which is not mine. I have been the victim of ID theft and have reported this ( and other items ) to the FTC. In XX/XX/year> I requested ( in writing ) that the company XXXX XXXX XXXX XXXX XXXX XXXX ) verify/validate the debt in accordance with FRCA guidelines XXXX To date I have not received anything in response. I have disputed the debt with the credit reporting agencies more than once and despite having the FTC report and lack of validation.
Product: Credit card or prepaid card

My payments SHOULD BE allocated towards interest bearing purchases first. I have a 12 month promotional balance transfer promotion that was offered at account opening. A balance transfer of {$1200.00} was completed on XX/XX/22. The business miscalculated the interest on my account dated XX/XX/22 for {$12.00}, the most I should have been charged should have been {$1.00} minimum finance charge that the business assesses regardless of the balance or amount paid on the account. Additionally, on XX/XX/22 a payment for {$100.00} was made on the account, on XX/XX/22 a payment of {$900.00} was made on the account. The ENTIRE closing balance on the XX/XX/22 statement was {$1200.00} which consisted primarily of the promotional balance transfer mentioned above.
Product: Credit card

On XX/XX/XXXX I charged {$540.00} for two nights stay XX/XX/XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX using a virtual card online. At check in reservations requested the physical card and I did not have it. As a result reservations insisted that I pay for the entire two nights with another card and promised to refund the {$540.00} paid on the virtual card back to that card. I completed a form at the hotel 's request in writing. I waited two weeks and the hotel never refunded the virtual card the {$540.00} so I filed a dispute with the credit card company, Apple Card which is handled by Goldman Sachs. Unfortunlately the dispute was not resolved in my favor. As it stands this hotel took me for an expensive two-night stay PLUS an additional {$540.00} that they promised to refund and did not. I have re-initated the dispute with Apple Card and hope that this time the charge can be reversed as it would be a grave injustice for the hotel to keep money that they promised to refund. I believe that the dispute was not properly handled on either end, Apple Card or the hotel. 

The basic facts of this matter can not be disputed : {$540.00} was charged on the Apple Card on XX/XX/XXXX On XX/XX/XXXX the hotel demanded another method of payment and promised to refund the original payment and never did. 
How this dispute was not decided in the card holder 's favor is unfathomable.
Product: Checking or savings account

XX/XX/XXXX My response to Citizens Bank   enormous amount of paper work and statements and a copy of my signature dated XX/XX/XXXX. At that time of the signature this was a GOLD Account. I was told at that time that I did not have fee because this was a gold  account. I also at that time did a balance transfer because the interest rate was around 11 %. Sometime in XXXX that interest rate on the balance transfer increase dramatically, bringing me into the bank. At that time, I was told my account was change from a GOLD to a Green Account and that was the rate. I was able to lower he rate a bit. From Gold to Green account I guess that is when the XXXX was initiated with interest and fee. I will tell you I would never have signed up for a credit card with XXXX % interest rate. Secondly, I rarely bounce checks. There was a saving account with this checking account that was to cover any bounced checks. I am just learning the XXXX is for debit purchases. 
In XX/XX/XXXX Every single month at least {$12.00} plus XXXX {$8.00} interest fees comes out of the XXXX {$120.00} checking acct XXXX {$12.00} Totally {$140.00} not covered XXXX {$600.00} deposit XX/XX/XXXX {$12.00} Fee Overdraft XXXX {$20.00} overdraft XXXX {$12.00} overdraft XX/XX/XXXX {$20.00} overdraft XX/XX/XXXX XXXX interest charged I closed the account in XX/XX/XXXX because I had to change my password each time I logged into my account. When I went to the bank, they told me I had a weak userID and I had to change that. There were months when it was difficult to use my account as on line banking. 
When I closed account, I had to pay {$19.00} in fees. Not using my debit cards at least 6 times a month, which is no longer a fee. Not making a deposit every month and of course the {$12.00} + interest. 
I was told I owed {$69.00} dollars in fees. They never told me how come or showed me why I owed that and I was in a Citizen Bank  three times wondering what made up the {$69.00}. I was just told I owed it XXXX. I was not aware I signed. If I was told it would be like a credit card with XXXX % For the few overdrafts I do I would never had agreed. 
I am not paying the XXXX interest on a {$140.00} overdraft that resulted in a {$69.00} fee.
Product: Money transfer, virtual currency, or money service

I have been having a dispute with Square the credit processing application. I have been using them for years to run my XXXX  business with. Most customers pay me by check some pay with credit cards or bank transfers. The dispute revolves around a bank transfer. They are requesting that I update my bank information with them and either provide them with three months of statements or access to the current balance and transaction history of my account. I am uncomfortable providing either of those. My bank has advised me to not give out that information. 
I have been trying for weeks now to get the balance of my money that they are holding, {$2700.00} after they have removed there percentage fee. It has been extremely difficult to speak with anyone in the company to get this resolved. One manager told me to refund the customer and have them pay with another method. I reluctantly agreed, trying to keep my customer out of my banking issues and maintain my professionalism. I have tried over ten times to refund the money the application will not allow me to do it. I called them back again to get that resolved and the only way I can issue a refund is to give them my bank information, which as previously stated I am unwilling to do. 
I have run out of options to get my money. This doesnt seem legal to me. I am turning to you for help or any advice to resolve this. 
Invoice was paid by customer on XX/XX/XXXX, was processed and released into my Square account on the XXXX. I have been trying to collect it since then. 


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

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking theft transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint to CFPB due to regarding an identity theft that has occurred under my identity. Few credit cards have been issued under my name without my knowledge or approval. I found about these fraudulent activities after reviewing my credit report back in XXXX, 2020. 
These credit cards were actively used by someone that I do not know. I have requested to the credit bureaus to delete and block these accounts from my credit report, and requested to contact each creditors and explain the situation. But involved credit reporting agencies and the creditors will not acknowledge my problem and continues to report an account from XXXX. 
I have requested validation and verification of this account to the credit reporting agencies and to XXXX, but they have never conducted such process. 
I did not receive any of documents that I have requested. Requested documents were ; A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Also, here is the list of all accounts that were involved with identity theft. 

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

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX   XXXX XXXX, XXXX, DEPTEDXXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have been a victim of identify theft since during COVID in 2020, I have been trying to get this issue resolved. I've submitted police reports, FTC report, license and various other information. 

XXXX, XXXX and Transunion have not blocked the information off my report as required by law. 

I have attached all the documents again to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently looked at my credit report and found 1 fraudulent account. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

this account belongs to my someone else not my XXXX XXXX XXXX  Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$16000.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX
Product: Credit reporting or other personal consumer reports

Mercedes Benz Financial XXXX. 
The auto loan was not 30 days late in XX/XX/year>. This is not right because it was paid as agreed. Delete this late payment.
Product: Checking or savings account

This Company ( SoFi Bank N.A., or SoFi Lending Corp ) offers a High-yield savings account with a promotional APY of 4.5 % ( XXXX ) contingent on the account holder using monthly ACH Direct Deposit, with no minimum quantity in each deposit. Otherwise the APY defaults to 1.2 %.

I held this type of savings account with SoFi from XXXX of XXXX, through XXXX of XXXX, and met all direct-deposit qualifications in that time. I received the correct interest on this account balance until XXXX of XXXX. At this time, my employer changed payroll companies, and resumed the biweekly direct deposit into this account with no change or delay. SoFi recognized this ACH Direct deposit as a generic deposit from XX/XX/XXXX until XX/XX/XXXX, when I contacted them to understand why my interest payments were lower than expected. They immediately acknowledged that this was an internal error on reading the deposit type incorrectly, and changed the account back to 4.5 % APY. 

However, they would not retroactively pay the interest they had failed to distribute for the months of XXXX XXXX ( 30 day grace period from " not meeting required direct-deposit '' starting in XXXX ) The amount of interest not paid in that time is approximately $ XXXX USD
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX used to be my dealer in Florida. He ran multiple inquiry before getting me into XXXX XXXX  as my auto loan bank. Paid down payment for XXXX XXXX and car was received including documentation. Months later I decided to trade in XXXX for XXXX XXXX which was done successful. Months later XXXX XXXX had to report to XXXX that my trade in vehicle was repoed. Which is false. Ive tried so many times to reach the bank ( XXXX ) but they keep asking me to contact XXXX XXXX whom the manager s name is XXXX. 
15 U.S. Code 1679c states I have the right to dispute inaccuracy on my credit report. If inaccuracy is found, the credit bureaus must remove inaccurate item on credit file.

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) Consumer may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after the harmful behavior or within five years after the harmful behavior occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. CHAPTER XXXX BANKRUPTCY- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX  XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  on XX/XX/XXXX 3. XXXX on XX/XX/XXXX 4. XXXX  on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. US SM BUS ADMIN ODA on XX/XX/XXXX 7. XXXX  on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, my private student loan provider Navient, was supposed to take a scheduled payment from my bank account as they have in the past. Navient sent 17 test payments to our bank account to confirm there were funds available. There were funds available in the account. This is verified by our bank statements. The company Navient never completed the transaction. I called the company and ask why they did not take the payment. They said there was an issue at our bank. I contacted my bank and talk to the bank manager XXXX XXXX, who confirmed it was not an issue on the banks en, that the issue was the company Navient never actually pulled the funds. As a result of Navient not pulling the payment this is now reflecting as late on my credit report. I have attempted to talk to Navient several times to resolve this issue, they have not been able to resolve after being told there were retractions to credit reporting. The retractions have not taken place. It has been roughly 6 months and my credit is effected by their error. I have documentation from my bank including a statement from the bank manager stating the issue was not mine or the banks but the issue was with Navient not taking the payment from my account. 
Attached are bank statements showing Navient sent test payments to my bank but never pulled the payments. Navient admitted THEY MAY HAVE HAD AN INTERNAL ERROR ON THEIR END by not pulling the payments. This is something I have no control over and should not be responsible for their internal errors. Once I submit the payment it is up to the company to take the payment from my account. My account reflects available funds. Also attached is a short summary from my bank manager who also confirmed our bank account was active and did have the funds but it was Naviant who neglected to actually pull the payment.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that i may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Trans Union credit report contains two credit card companies that display inaccurate balances that stemmed from fraudulent transactions. XXXX XXXX  shows a balance of {$9900.00}, which stems from fraudulent transactions. That balance should be XXXX. XXXX XXXX also shows a balance that stems from fraudulent transactions of {$10000.00}. That balance also should be XXXX. An account from XXXX XXXX that was initiated using my personal information without my consent also appears on my report. There were fraudulent charges on that account as well. Additionally there was a fraudulent inquiry made on my credit report on XX/XX/2021 by XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrating proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure that Equifax complies with the federal law and provides consumers with the necessary proof of investigation. This is the account that I have marked as inaccurate. 
Account : XXXX XXXX XXXXXXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus dealing with old loan accounts that were closed 6 years ago know acting like I just opened them.. oliphant and midland credit XXXX Charge offs that should come off credit in about.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Credit Systems Intl I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Systems Intl in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$160000.00} ), DPT EDXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$3500.00} ), DPT EDXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2000.00} ), DPT EDXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4500.00} ), DOE XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$860.00} ), DOE XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$390.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.