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

I canceled three warranties and on XX/XX/XXXX XXXX XXXX mailed out two checks. One was for {$3700.00} and the other was {$1400.00}. On XX/XX/XXXX, XXXX XXXX XXXXXXXX received another check from the dealership in the amount of {$1700.00} for two other warranty policies that where canceled. I received two statements for XXXX and XXXX saying I have no payments due ; therefore, I did not pay for those months because I was going off the statements. This is XXXX XXXX fault and they need to take ownership for this not me. This is violating my consumer rights, and I will sue the credit agency and XXXX XXXX if not removed from my credit.
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 reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( 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 provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

my 3 XXXX XXXX credit cards not updating my balances and payments accurately or at all to the 3 credit card bureau
Product: Debt or credit management

Subject : Formal Dispute and Demand for Immediate Removal of Unverified Collection Account NCB Management Services Dear Consumer Financial Protection Bureau, I am submitting this formal dispute to report a collection account reported by NCB Management Services on my credit report. The account in question reflects a balance of {$1600.00} opened on XX/XX/year> and appears on all three major credit bureaus ( XXXX, XXXX, and XXXX ). However, I have never conducted business with this entity, have not executed a contract with them, and they are not authorized to collect any debt on my behalf.

Pursuant to my rights under 15 U.S.C. 1692g, I previously requested that NCB Management Services provide proper validation of this debt, yet they have failed to verify its legitimacy. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to provide verification of the alleged debt upon request, and their failure to do so renders their reporting and collection attempts unlawful.

Additionally, per 15 U.S.C. 1692c ( c ), I have already contacted NCB Management Services to demand the removal of this invalid collection. As they have not been able to verify the alleged debt and continue to pursue unauthorized collection efforts, they are in direct violation of the law. Their continued reporting of this unverified account constitutes a violation of my consumer rights and causes undue harm to my credit profile. 
Given these violations, I am demanding the immediate removal of this collection account from all three credit bureaus. Failure to comply with my demand will result in further legal action, including but not limited to filing a formal complaint with the Federal Trade Commission ( FTC ) and seeking damages for willful noncompliance with federal law.

I request that the CFPB intervene and ensure that NCB Management Services ceases its unlawful collection activity and removes this fraudulent entry from my credit reports immediately. I have attached copies of previous communication and my formal dispute for reference. 
I expect a prompt resolution to this matter. Please confirm receipt of this dispute and provide an update regarding the steps taken to rectify this situation.
Product: Consumer Loan

Debt on my credit for {$3000.00} states a charge off XXXX XXXX XXXX 2016 I spoke to someone at your office about a debt on my credit report. I asked the operator why this is owed and she stated she was unsure but is willing to settle for {$2500.00}. A letter sent to Wells Fargo was sent asking for explaination as to why I owe this but after 30days I have yet to receive anything. I 've also sent a copy to all the XXXX major credit agencies certified And sent a complaint to the XXXX ... .which your company failed to respond to. Im demanding a detailed explaination of how I owe this balance. The next step after this is a lawyer.
Product: Credit reporting or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I have an account with KIKOFF that is supposed to be some credit management repair service, etc. like XXXX. 

I pay two monthly fees to them for a loan and something else and it is supposed to help increase your credit scores etc., which is supposed to help increase your credit scores, I do not know how they obtain the credit scores for all three credit bureaus however I recently found out that the information they are reporting as far as the credit scores are not the same as what I am receiving vs. what KIKOFF is reporting. 

They also charged me for disputes that went nowhere and it was only when I disputed everything myself that I was able to receive the results that I paid them for and should have received. 

So what am I paying them for what I can do for free myself is the real question here and why do they have different credit scores vs. what I am receiving from the actual credit bureaus and where are they getting this information from?
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL FRAUDELENT ITEMS
Product: Checking or savings account

On XXXX XXXX XXXX  I received a Chase business card in the mail and a copy of a cancelled check for over {$43000.00}. I automatically contacted the bank because I don't bank or own any business accounts with Chase. Just to be clear, I don't have any business banking accounts. The bank refused to close the accounts until I provided proof of my identity which included social security number, date of birth, full name, address, and the name of my employer. I found this interesting because this information was not provided when someone opened the accounts. 

I explained what was going on and ask for further information and was told to mail in a copy of my ss card, and photo ID to a XXXX XXXX XXXX. From XXXX XXXX XXXX until XXXX XXXX XXXX there has been XXXX fradulent accounts opened with Chase bank under my name. There has been no bank inquiries on none of my credit reports for business accounts. One of the accounts was opened in a brach in which they refuse to provide the information Chase refuses to provide any evidence for me to file a police report until after they have completed their investigation. After speaking with branch employee in person, I was informed this has been a frequent occurrence with Chase online accounts due to lack of security measures. I will be seeking assistance of an attorney, due to the negligence of Chase bank and the number of accounts the person was able to open after flagging the initial account.
Product: Credit card

I was wrongly charged by a pizzeria on XX/XX/year>. The next day I called Capital One to request a refund of the amount, the same was credited to my account but 30 days later I was charged with the claim that there was no refund authorized by the restaurant and that I should contact them. I tried for several days to call or find the website or address of the place without any success. I explained that it was a company without the capacity or availability of access for customers. I was ignored and charged XXXX for a service that I did not receive and I had to pay my bill which was higher than planned for the month, causing me to lose points on my credit score. I just want my money back, that's all.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

About two weeks ago, XXXX XXXX was advertising that I could lower my interest rate by refinancing my auto loan. They had a number of companies listed, but the one showing the lowest rates was auto pay. I went to auto pay site directly and looked at all their information And found the same thing. While I recognize that APRs are variable I have a very good credit score and knew I should be able to qualify for the lowest promised rate. After doing a hard credit pole and sending me some sort of approval, I have not been able to reach anyone to get to the next step. I have called the company directly and my, customer service rep that was assigned to my account and no one will give me any information about next steps and what the loan terms that I qualified for would be. This feels like a deceptive practice and an unfortunate ding on my credit to have them look into something that ultimately couldnt be done. if the interest rate that was advertised is not possible I should receive a notification and justification of why that rate is not possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Initially I opened a car loan with XXXX XXXX then a couple years later that loan was sold to XXXX XXXX. On XX/XX/XXXX. XXXX then at the time considered my loan paid off with them. Now XX/XX/XXXX I get notified that they sold a delinquent loan to XXXX XXXX XXXX XXXX. The account they claimed is delinquent- I have and had zero knowledge of it or ever consented to that. Ive tried calling and sent a letter to them but the line is disconnected and mail is yet to be responded to.
Product: Student loan

I received a letter stating that I may qualify for student loan consolidation and even some possible loan forgiveness. The letter seemed as if it were from the government which is why I called them. I called and they said I did qualify for loan consolidation but in order to get me into the program I must pay a certain percentage of what I owe. After telling them I did not have that amount they said I could do just 2 payments of {$400.00}. I was hesitant at first but then said ok. I gave them my information, including social, occupation, income, credit card number ( for the payment ), etc. Now after doing some research, it turns out I could 've enrolled in such a program without paying and now I am worried that I may have given my personal information to scammers.
Product: Credit reporting or other personal consumer reports

This XXXX  count is fraudulent. I was forced to pay because they not removed it. They argue with me all over again I pay them their money. I disputed the other ones they kept reporting a lot derogatory and malicious things on my credit report. Here are the records of the other accounts they deleted so this account needs to be deleted as well. Thank you.
Product: Credit reporting or other personal consumer reports

Greetings, Im submitting a follow up complaint to you today to inform you again that I was the victim of identity theft. After visiting the FEDERAL TRADE COMMISSION website https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an identity theft report # XXXX. Please find the ATTACHED documents to assist in the investigation of the account that is being posted to my reports. The account is the compilation of account that is not associated with me or have been initiated without my authorization, so now I am requesting that you remove this account from my credit file. XXXX  XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance : {$350.00}.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

No one at the credit reporting agencies can explain to me why my scores are so low- which effect EVERY single aspect of my life. I have cleared up inaccuracies and done everything they have recommended. I believe I am a victim of XXXX, XXXX and XXXX  by all 3 credit agencies as NONE of them are required by law to explain all the facts that are used to generate my credit score. Women and people of XXXX suffer disproportionately from predatory lending or none at all, unequal treatment by landlords and employers BECAUSE of our LOW credit scores which are scored arbitrarily by the agencies which are NOT neutral and treat everyone fairly. 
My credit score needs to be much higher so I can have somewhere to live and get a job. Mt credit score is checked in ALL of these cases!
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 
XXXX XX/XX/XXXX XXXXXXXX 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  has violated my rights. 


I looked at my XXXX, Equifax & XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 inaccurate.
Product: Credit card

I have a Meijers store credit card and the interest was 29.24 %. I have never missed a payment and owe a small amount. My credit score is XXXX. I received a noticed today that my interest on my card would be going up in XXXX XXXX XXXX XXXX How can that amount even be legal? If I do not agree to those terms, my card will be terminated. Isn't that illegal? I have had my card for several years and have been an excellent consumer. Why are these company 's being allowed to gouge the consumers with these interest rates? Why isn't the government stepping in to stop this abuse. I am XXXX and have had credit for years and I know there were regulations as to how much they could charge for interest. Is this because in XXXX XXXX XXXX regulations were eliminated and them wanting to disband your organization? This is unacceptable and our Government needs to do something about it.
Product: Mortgage

I made a mortgage payment on XXXX/XXXX/XXXX in the amount of {$2100.00}. Bank of Am. posted the payment. It cleared my bank on XXXX/XXXX/XXXX. For 2 years I have told the bank I was one month ahead on my payments from what they were showing. after fighting with them and getting nowhere, I requested a print out of my payment history from XXXX. after receiving the history, I checked every payment with my bank statements to verify each one. All checked out, However, the history showed that Bank of American posted my payment on XXXX/XXXX/XXXX, however they reversed the payment from my mortgage on XXXX. They did not refund me the money, the payment was not returned to my bank, I was notified that they did something differently with my payment other than what I have approved which was to pay a mortgage payment. 
I have sent certified letters and bank statements from my banker to Bank of America stating that the payments all cleared my bank. in XXXX XXXX, then again in XXXX/XXXX/XXXX. This still has not been resolved. At first they said they applied it to my insurance. ( this is not the case, and it was not noted on my payment history print-out that they send. ) Then they said they sent the funds back to the bank. However, they did not, their is not a deposit into my bank from them, or a check to me. and this is not noted on their history either. It is just shown that the {$2100.00} was reversed. 
Bank of America owes me the Payment of {$2100.00} Plus all back interest charged to me from XXXX/XXXX/XXXX to the date that they refund my money. Plus charges for the certified letters and statements that I had to pay my bank. And they should have to pay me for all my hours that I have put into this matter trying get their books straight. 
My mortgage has been sold to XXXX in XXXX XXXX. I have also copied them on all the correspondence and notified them that the payoff balance they have is incorrect. They have not done anything either to try and settle the situation.
Product: Checking or savings account

On XX/XX/XXXX we deposited 20 checks at the ATM totaling {$10000.00}. Transaction # 51 for card # XXXX. 

On XX/XX/XXXX, all 20 items were reversed. 

On XX/XX/XXXX, we received a letter from Wells Fargo regarding one item, that it was rejected as " Altered Check ''. 

The photocopy included with the letter makes it clear that the check in no way altered. 

We've still to receive any notification regarding the 19 other items that were reversed. 

Not only has Wells Fargo reversed this deposit, they have failed to return the items to us. 

Because of the department 's daytime hours, I have been unable to speak with anyone regarding this. And Wells Fargo offers no messaging or email option for customer service. 

20 altered checks is a very serious accusation, especially when none of them have been altered.

I want these items to be redeposited ASAP, since it is clear there was no reason for them to be reversed to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, and XXXX is showing XXXX ACCT # XXXX date opened was XX/XX/XXXX which is incorrect. The original creditor XXXX XXXX XXXX is showing the date opened as of XX/XX/XXXX. I've recently disputed this account in XX/XX/XXXX and it was reported that there were no errors or everything was fixed. However that was not the case as we see in my attachment below which shows the correct date. 

According to 15 use 1681i ( 5 ) the credit bureaus stated everything was complete and accurate and also 15 USC 1681 s-2 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 inaccurate.

This is constant violation of the federal law. This account needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

Attention litigation Department, As stated in case law XXXX vs XXXX XXXX and so many more ; there is a15usc 1681i violation. You have failed to properly investigate, and the inaccuracies & inconsistencies still exist well after XXXX  months. Remove the accounts listed or a Notarized Notice to file suit will be sent out on XX/XX/XXXX via certified mail. I will also expect remedy and compensation of the minimum lawfully owed {$1000.00} per violation. 

15 usc 1681n You are now also infringing on my rights.The denials that I have received since these errors, EVEN AFTER KNOWN DATA BREACHES, are hindering my growth in life. I'm due for compensation.