23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have an online business bank account through Found. I used my debit card to purchase an office supply for less than {$40.00} on the evening of XX/XX/XXXX. The scam company ( XXXX  ) then charged me {$110.00} XXXX times until it hit insufficient funds on the XXXX try. They drained my bank account. 

I reported the fraud to Found the very next day, XX/XX/XXXX, via chat. They said I couldn't dispute the charges while they were pending. This was all done by chat, as Found doesn't supply a phone number unless you sign up for higher tiers. I had to sign up for a higher tier just to chat with someone real. 

So, I waited for the charges to go through, then disputed each XXXX. I got a form email response for all XXXX disputes on XX/XX/XXXX ( I disputed the original {$39.00}, since by then I realized I was never going to get my item ). The emails said : " XXXX received your request to dispute a {$110.00} transaction at XXXX on XX/XX/year>. 

A member of our disputes team will follow up after their initial investigation and XXXX ask for more information. 

In the meantime, if you have additional evidence youd like to provide, please reply to this email and attach any relevant documentation. '' I checked after a few days via Found 's chat, and they told me that I might have to wait as long as XXXX business days. I checked again the next week, and was told the same thing. 

On the XXXX business day, XX/XX/XXXX, I tracked down a phone number to call and ask what was going on. The person told me they would send some sort of message to someone in the risk department to provide an update for me. 
So that day, I finally got an email from the Risk department at Found, which stated that I would have to provide evidence that I contacted the merchant, and also provide the merchant 's response. So, I emailed the scam company, and of course got an email bounce back, because it's a scam company. I've forwarded those emails to Found, and asked for clarification on their email, the part about needing a response from the merchant to be able to complete the investigation. Here 's that email : " Thank you for your patience. 

I wanted to let you know that we've received your recent dispute. 

In order to complete your dispute record, you'll need to submit written documentation ( email or chat ) showing your attempt to resolve this issue with the merchant directly. We will also need to see the merchant 's response to your inquiry. We will not be able to conclude this investigation until this evidence has been provided. 

Please let me know if you have any questions here. '' I'm waiting to hear back from them because I just read on the FTC website that they are supposed to credit my account the money, except for {$50.00}, after XXXX business days while they continue to investigate. I was scammed out of {$1300.00}, and I feel like they are just trying to run out the clock on the investigation, and not have to credit me that money.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

Hello, In XXXX of 2022 I made a payment over the phone aside from my Autopay monthly payment to Kay Jewelers/Comenity Bank to payoff a promotional balance. The Agent that I spoke with on that day was very kind, and she verified with me that the entire payment was going to the promotional balance and that it would be taken care of in that moment when we made it over the phone. It is reflected in my statement as {$250.00} which was the balance that was due for that would have incurred interest if not paid prior to the end of that month. This was in addition to my {$220.00} that was to be drafted in Autopay which I did not cancel or change. I want to clarify that paid the debt ahead time and have not missed or paid under minimums to be penalized by Kay/Comenity. I got married, moved, and now that I am settled and going over finances I realized that although I did my due diligence to pay ahead of time I am being penalized as if I had not. On Friday XX/XX/XXXX I confirmed with their customer service agent that when I paid over the phone in XXXX, I confirmed that I did not cancel my autopay, and for some reason Kay did not draft that second {$220.00} payment for that month. She confirmed that Kay made an error, and that as of XXXX my promotional rate on my other balance was taken away and have been paying 29.99 %. She confirmed that this should have never happened, but she told me there was nothing she could do other than to forward it to an investigation and that there was near to no possibility of getting this reversed.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of 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 I want to emphasize 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, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is in violation of reporting a charge-off on my consumer report. I also never gave this company verbal permission or a written signature to furnish anything on my consumer report to begin with, which is a direct violation to my rights of privacy as a consumer. To my understanding a company can not report a charge-off as it is considered income. I want to see theXXXX form that was filled out for this account by XXXX XXXX XXXX. This account is damaging my reputation as a consumer, which directly makes life more difficult and stressful as I search for my first apartment. Please remove and delete this account immediately. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is reporting inaccurate to Equifax. The information is inaccurate in comparison to XXXX and XXXX. In accordance with 15USC1681e ( B ) and 15USC1666B ( A ) this information should be removed and or corrected on my Equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF ED/XXXX XXXXXXXX Balance : {$2000.00}
Product: Consumer Loan

2.5 years ago I went to XXXX and leased a van after them telling each month it gets report to the credit bureaus! Well now that my van is almost paid off i went to try to get a newer car and found out they never put one payment on my credit! If they can repo my car if i dont pay and put it on my credit why are they not showing me paying every month on time?
Product: Money transfer, virtual currency, or money service

my account suddenly said overdraft XXXX XXXX that I wasnt able to use XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureau aboit these false inquries on my credit reports. i didnt give permission for none of the five creditors to have a reason to pull my report
Product: Debt collection

The call is automated then someone comes on the line saying they are a debt collection company. They call everyday. This debt has been charged off.
Product: Debt collection

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Franklin Service , Inc for committing fraud and identity theft. I have never contracted with Franklin Service , Inc and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Franklin Service , Inc, have brought me severe stress and anxiety. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Franklin Service , Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Franklin Service , Inc, continues its collection efforts, I will file for litigation for actual damages caused, and Franklin Service , Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 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 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 inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas, XXXX DATE : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Request for Removal Dear Experian Dispute Department, I am writing to formally dispute an error in my credit report under the provisions of Law 1681 ( c ) ( 2 ), which mandates the accuracy of information in consumer credit reports. Upon reviewing my credit report, I identified inaccuracies that I believe require immediate attention and correction. 

The specific information I am disputing is vehicle loans, Account number : XXXX, Account Namen : XXXX XXXX XXXX XXXX, This information is not only incorrect but also negatively impacts my creditworthiness. As mandated by law, I request that you conduct a thorough investigation into this matter. 

Please find attached any supporting documentation that substantiates my claim and demonstrates the inaccuracies in my report. In accordance with the Fair Credit Reporting Act, I request the timely removal of this incorrect information from my credit report. 

I appreciate your prompt attention to this matter and look forward to your response within the XXXX timeframe stipulated by law. Should you require any further information or clarification. 

Thank you for your cooperation. 

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

I spoke to Transunion on a couple of occasions to explain why my credit score plummeted XXXX points on XX/XX/2024 without any reasoning. No lates, no collections, no increased balances, in-fact, my balances went down if not went to " XXXX ''! They advised me to launce an investigation with you guys - CFPB to look into this. It is effecting my apr on credit cards and are applying for credit negatively.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 XX/XX/XXXX
Product: Debt collection

XXXX XXXX I revieved an email from XXXX XXXX that we won our lawsuit against XXXXXXXX XXXX XXXXXXXX XXXX 
My debt was discharged and erased off the credit bureaus. And that my credit score XXXX was to stay the same. 
My credit score went down. 
I recently looked my credit report on XX/XX/year> and noticed that a charge on my account was supposed been taken off it's still there. Plus all these addresses and telephones numbers which I do not reside at or no longer have these phone numbers. 
Please I really need some help on getting this negative report off my credit. 
Thank you.
Product: Credit reporting or other personal consumer reports

Please remove all unauthorize fraudulent accounts and inquires : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ).

Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if an item of 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.

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently look at my credit report and seen numerous inaccurate and inconsistent accounts reporting to my credit report that i did not consent to. According to the fcra everything is suppose to report accurate and my accounts are not. I have been sending letters to the creditors and the credit bureaus since XX/XX/2021 up until today ive sent letttes certified mail as well and still have yet fixed my problem. According to 15 USC 1681b - Permissible purposes of consumer reports, any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. This is also a violation of 15 USC 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy.
Product: Credit card

I previously submitted a request to have my interest rate lowered and apple card services created a case which took XXXX  days to decide. They refused to lower my interest rate and provided no information. 
I submitted a request today to have my interest rate lowered again and apple card services created another case which they stated will take XXXX  days to decide. This is unfair and predatory business for them to keep charging high interest charges. 
I'm a retired veteran who's 100 % XXXX and living off my pension.
Product: Credit card

Elderly ( XXXX ) mother pressured to get a JCPenny credit card despite trying to pay with a XXXX card. Due to the new card with new payment terms and schedule she paid {$130.00} of fees on a total of {$53.00} purchased.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear Sir/Madam, After EQUIFAX completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX - XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX AND XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the TruthinLendingAct.
Product: Mortgage

We prepaid Real Estate Taxes to XXXX County on XX/XX/2018. Called US Bank before paying and they said send us the paperwork and we will credit your escrow account for RE Taxes that were paid. We faxed information to US Bank on XX/XX/18 that 2018 RE Taxes had been paid to XXXX County in  advance. They did not acknowledge anything. On XX/XX/2018 we called them and they indicated it would take upto 2 months to apply prepaid taxes to your escrow account. Called them up again on XX/XX/18 waited 30 minutes for supervisor. They hung up and never called back. Called again on XX/XX/18 and spoke to supervisor since we received New escrow statement indicating escrow payments were going up on XX/XX/18. 

They claim escrow payments will go up on XX/XX/18, they also claim that they know RE Taxes were paid in advance to XXXX County for 2018 but they can not do anything 2018 RE Taxes were to XXXX County in advance. US Bank has collected RE Tax escrow for XX/XX/XXXX 2018 and want to increase escrow payments eff. XX/XX/18 based on last year taxes and they will not budge from their stupidness. 

Do not understand why they need 15 months of RE Taxes in escrow when 12 months taxes have already been paid.
Product: Credit reporting or other personal consumer reports

I submitted an initial freeze on all three credit bureaus on XX/XX/XXXX. 

However, XXXX is not cooperating with my request to block these hard inquiries. I have reached out to the companies that attempted to access my credit report, but they have denied my requests. Additionally, I have been receiving mail from these companies about pre-approved credit cards. 

I have called the following companies to understand why someone is trying to access my account. I also requested that they inform the credit bureaus that I did not apply for any credit cards. Below are the companies under hard inquiries that must be removed from my XXXX Credit Report. 

XXXX XXXX - XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XXXX - XX/XX/XXXX CitiBank ( Best Buy ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report and identified fraudulent accounts listed. I kindly request the removal of these accounts from my report as they are negatively impacting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX I sent Experian a certified letter that I paid for to correct the personal information listed on my report. I provided proof of identity instead they sent me an email questioning the validity of who made the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Filed a dispute in regards to inquiries items on my credit report its Been Well over 30 days And I Havent Receive Any Investigation Result.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX complaint regarding an inaccurate XXXX late payment reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax credit report for XX/XX/year>. This entry is unverifiable and must be immediately removed. 

Key Points : Violation of FCRA : Under the Fair Credit Reporting Act ( XXXX  ), credit bureaus must report accurate and complete information. If this late payment is inaccurate, it must be deleted. Equifax failed to provide a XXXX of XXXX ( MOV ) when I disputed this entry. 

XXXX and CARES Act Compliance : This late payment was reported during the XXXX pandemic. Under the XXXX XXXX, creditors were required to report accounts as current if accommodations were granted during this period. I request proof that XXXX XXXX XXXX XXXX XXXX complied with the CARES Act and reported my account as current. 

Florida Statutes : XXXX Florida law ( XXXX XXXX. XXXX & XXXX XXXX. XXXX ), the reporting of inaccurate or unverifiable information is prohibited. This late payment must be removed if it can not be substantiated. 

Resolution : I request the immediate removal of this XXXX late payment from my Equifax credit report. If Equifax can not verify this entry, it must be deleted immediately. If not resolved within 15 days, I will take further action through the FTC, CFPB, and Florida Attorney Generals Office.