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

XX/XX/XXXX, XXXX overdraft my checking account for coffee and breakfast which put my account negative XXXX dollars and change. I was short a XXXX for a medication my insurance is not covering so I have no choice but to overdraft the XXXX dollars. So XX/XX/XXXX my account is negative XXXX and some change. XX/XX/XXXX XXXX account is XXXX. It's unfair that the bank is charging me extra XXXX dollars for overdraft fees. XXXX the fee down so they can charge for extended overdraft fees. Key Bank is unfair and the employees are rude I understand that overdrafting is my fault but my health is my priority. I have made better arrangements for this issue don't happen anymore.
Product: Credit card or prepaid card

I received an email saying that my account is permanently suspended, without any instructions regarding how to get my remaining balance back. My online access was imediately banned and I can't even access my account statement. Called customer service but no one picks up, because my account was banned.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Ohio XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau 1700 G St NW Washington XXXX XXXX XXXX Subject : Complaint Against Experian, XXXX, XXXX for Non-Compliance with FCRA and Improper Handling of Credit Disputes Dear Consumer Financial Protection Bureau , I am filing this formal complaint against Experian, XXXX, XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681s-2, 1681i ( 5 ), and 1681c ( c ). Despite multiple attempts to dispute inaccurate information on my credit report, Experian, XXXX, XXXX has failed to conduct a proper investigation and has refused to remove or correct the erroneous data. 

I have submitted several dispute letters to Experian, XXXX, XXXX providing detailed explanations and supporting documentation to demonstrate the inaccuracies on my report. However, Experian, XXXX, XXXX has either failed to respond within the required timeframe or has responded with generic, non-substantive replies that do not indicate a proper investigation was conducted. Additionally, I have found that some of the previously removed inaccurate items were reinserted into my credit report without the proper notification, further violating my rights under the FCRA. 

The recent CFPB lawsuit against Experian, CFPB v. Experian ( XXXX ), highlights a pattern of systemic failures in XXXX dispute resolution process. The lawsuit alleges that Experian engages in sham investigations, fails to properly address consumer disputes, and unlawfully reinserts inaccurate information without notification. My experience aligns with these allegations, as Experian, XXXX, XXXX has continually failed to correct my report despite my repeated efforts to follow the proper dispute process. 

These inaccurate entries on my credit report have negatively impacted my ability to obtain credit, secure employment, and access housing. XXXX, XXXX, XXXX failure to fulfill its legal obligations under the FCRA has caused me financial and emotional distress. I am requesting that the CFPB investigate this matter and take appropriate action to ensure Experian, XXXX, XXXX complies with federal regulations. 

Requested Resolution : 1. Conduct a full investigation into XXXX, XXXX, XXXX handling of my disputes and its failure to comply with the FCRA. 


XXXX. Require Experian, XXXX, XXXX to remove the inaccurate items from my credit report. 


XXXX. Impose necessary regulatory actions to prevent Experian, XXXX, XXXX from continuing these deceptive practices. 



I have attached copies of my dispute letters, Experians, XXXX, XXXX responses ( if any ), my credit reports, and any other supporting documentation for your review. Please let me know if any additional information is needed. 

Thank you for your time and attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Bayview loan servicing is using a delay tactics to provent the transfering of mortgage loan to the XXXX XXXX XXXX 's XXXX XXXX XXXX. credit union requested payout of loan number -XXXX-they said they could not send it until XX/XX/XXXX. XXXX XXXX XXXX 's XXXX XXXX XXXX also reqused the verfaction of mortgage they are also saying they can not send until XX/XX/XXXX. This is a delay tactic and it is not necessary to take that long. <P/><P/>The XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached please find a second copy of my FTC Identity Theft Report which I mailed to all three credit bureaus and emailed to Bank of America on XX/XX/XXXX after being advised by the FTC to submit it along with copies of my driver license, social security card and most recent utility bill with a letter that outlined these same accounts which I attached. The accounts are Bank of America acct no. XXXX and account no. XXXX. After speaking to the FTC again today after receiving a report with the accounts still listed I was directed by the FTC to file another complaint. The FTC directed me to a section of their website called Knowing My Rights ( attached ) under subheading pertaining to credit bureaus which states : Get credit bureaus to remove fraudulent information from your credit report. This is called blocking. You must send them a copy of your FTC Identity Theft Report, proof of your identity, and a letter stating which information is fraudulent. Then the credit bureau must tell the relevant creditor that someone stole your identity. Creditors can not turn fraudulent debts over to debt collectors. I am attaching. I have done this and mailed this information on XX/XX/XXXX the credit bureaus are ignoring it. I have also sent My FTC Identity Theft Report directly to Bank of America. Under the FTC section Knowing Your Rights, Communicating With Creditors it states : Stop creditors and debt collectors from reporting fraudulent accounts. After you give them a copy of a valid FTC Identity Theft Report, they may not report fraudulent accounts to the credit reporting companies. Apparently neither the credit bureaus and Bank of America are ignoring the Federal Law and continuing to report fraudulent accounts. According to what I have been told by the credit bureaus and by the FTC Bank of America will not remove these accounts because XXXX and his XXXX friends linked these accounts to the only account I had which was my checking account and made payments until XX/XX/XXXXat which time he was caught by a XXXX County Sheriff ( 2 reports attached ) and dumped. Also noted on my FTC Identity Theft Report is fraud with Bank of America dating back to XX/XX/XXXXwhen my purse was stolen in XXXX XXXX, and closed down and a new checking account opened in person in XXXX, Texas. There were no credit card accounts. 

Please remove these accounts.
Product: Mortgage

Bank of America refused to refund my money that was taken from account in error in XX/XX/XXXX. I had to do a stop payment with my bank to get my money back. After removing the stop payment ; BOA continues to revoke my payments and false information is noted on my account stating the error is resolved each time I contact an agent. 
I want to submit a formal complaint for the false information, lack of resolution, and have BOA stop revoking my payments. 

XXXX after my home refinance was completed, Bank of America XXXX BOA XXXX took a payment out of my account in error in the amount of {$940.00} - XXXX I contacted my BOA loan advisor, XXXX XXXX ID XXXX who confirmed this was an error and advised me to contact customer service for a refund XXXX I contacted BOA customer service who confirmed the error and was directed to send a copy of my bank statement showing the payment was taken out. 
XXXX a copy of my bank statement was emailed to XXXX Ref # to this issue was XXXX XXXX receiving this information, BOA still refused to refund my money. I completed a stop payment with my bank to get my money back XXXX stop payment to BOA removed from my account BOA continues to revoke my payments. After several calls with the company representatives have stated false information on my account stating the matter was resolved each time. 
XXXX call with representative ID : XXXX requesting that I send a copy of the stop payment document from my bank. Complaint also submitted # XXXX XXXX stop payment document from my bank faxed to BOA XXXX I received a letter from BOA by mail dated XX/XX/XXXX stating my issue was resolved on XX/XX/XXXX ( which is incorrect ) stop payment on my account occurred XX/XX/XXXX
Product: Credit reporting

i been trying to have this debt validated last sent a validation letter to credit agency XX/XX/2016 and yet to receive any validation documents or deleted information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account of XXXX XXXX was open on XX/XX/2013 and don't remember having any business with XXXX XXXX at that year. As a consequence, I decided to dispute this account with the Three Bureau credit report XXXX, XXXX  and Equifax. I requested each bureau to provide me a copy of all documents that they have in their file that they used to verify the accuracy of the dispute account. They always reply with " Information on this item has been updated or This account has been verified but never send any documentation to verify the accuracy of this account. They were unable to provide me with a copy of the verifiable that they have on file because this account doesn't belong to me.
Product: Payday loan, title loan, or personal loan

I applied for a payday loan with XXXX on XXXX/XXXX/XXXX. I received an email stating the loan was finalized. I never received the funds so I called the company. They said the loan was denied and I would receive an email detailing the reason for the denial. I did receive the email and the reason for the denial was that I had another outstanding loan. I then called XXXX XXXX and was told that I have an outstanding loan with XXXX, even though the loan was never approved. No one at XXXX seems to be able to resolve this issue and no one has been able to assist me with having this information removed.
Product: Vehicle loan or lease

Responded to flyer to refinance auto loan. Submitted info as requested. OpenRoad switched the interest rate from XXXX  to XXXX, in spite of the offer. Loan was approved and immediately sold to XXXX XXXX. A GAP policy was included which was never discussed, or agreed to. The GAP form is unsigned. Unable to get any response from OpenRoad, and XXXX says they can not help. I attempted to cancel the whole loan, but was unable to due to the fact they had paid previous lender already. I then began to get credit notices from several firms, indicating that OpenRoad has made hard credit inquiries without my permission. I have attempted to cancel the GAP policy, but no success. This company should be stopped from this bait and switch tactics and misleading advertising.
Product: Debt collection

I received a letter from DYNAMIC RECOVERY SOLUTIONS stating I owe {$440.00} to XXXX/XXXX XXXX XXXX XXXX and the current creditor is XXXX XXXX   XXXX. I had a financial consultant repair my credit a few years ago. This was debt was not there. I paid all my debt in full. I don't know where this bill came from. I called the lady said it was a bill from XX/XX/2007.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting ACT ACCOUNT XXXX XXXX XXXX # XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATE I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATE A CONSUMER REPOERTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITINEN INSTRUCTIONS.
Product: Debt collection

Sunset Finance called from one of their phone numbers ( mainline ) and then immediately called back from a secondary line before I could even respond to the first call. This tactic is deceptive in nature and harassing in the fact that the calls are back to back with no reasonable time between them. When I returned the call, the representative became verbally abusive and argumentative stating that " if I paid my bill on time, then I would not get calls ''. This despite my contacting them a week prior and advising them the payment would be made on the XXXX XXXX my pay date ) and she was calling on the XXXX. She indicated that whomever I spoke with the prior week noted I would pay on the XXXX. The representative was advised that the note was in error on their part however the back-to-back calls were unnecessary and harassing in nature, at which time the representative hung up. A subsequent call to the manager resulted in the manager taking the side of the representative and ultimately indicating that they would take legal action. This on a debt that is less than 500 ( less than 30 days past due ) on one account and XXXX ( less than 45 days past due ) on the other. I contacted their corporate office and spoke with XXXX who informed me he would have the area supervisor address it and respond in 24 hours. I have not heard back from anyone.
Product: Mortgage

PHH mortgage is not paying my property taxes from my escrow account. 
In XXXX of XXXX I contacted PHH about my tax bill. I worked with their esclation department ( XXXX ) agents name told me they got paid. Then XX/XX/XXXX I received and other tax bill for this half of and a past due tax amount for that last year.i emailed a copy of the tax bill to Phh as directed by customer service. I have call PHh mortgage multiple times and can never get an answer or a call back
Product: Money transfer, virtual currency, or money service

Please refer to the files uploaded below for a detailed description of what happened to me. 

I want to note the following as well : Last Friday afternoon, I noticed a seemingly fraudulent XXXX transfer from my XXXX Bank account to someone with my wife 's name. While the account only had {$1.00} in it, nearly {$500.00} was transferred out, leaving a negative balance of nearly $ ( XXXX ). My wife never received that money, and I never authorized the transfer. XXXX Bank 's fraud unit is still trying to figure out whether it was just a glitch, or whether criminal activity occurred. It would be premature at this point for me to jump to any conclusions. That account is now closed due to suspicion of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to notify you that I am a victim of identity theft and I SEND a COMPLAINT to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about CREDIT BUREAUS ' accuracy and the reported payment history on some items is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) these items below must be deleted from my report : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act, XXXX Account # XXXXXXXX XXXX account # XXXX, and XXXX account 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 : Also states that a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and FTC reports for fraudulent accounts and hard inquiries. None have been deleted. The accounts and hard inquiries are the following : XXXX  : Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Accounts - XXXX XXXX  XXXX XXXX : Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts - XXXX XXXX XXXXXXXX Equifax : Accounts XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPAlaw [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX is to only be revealed with the patients ' authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization.
Product: Debt collection

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 Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication.

Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

They're was 2 store credit cards opened in my name that I have know knowledge of.. Swiss colony, Seventh XXXX. I had ask to have then removed because they don't belong to me..I don't even shop at them kinds of places..
Product: Credit reporting or other personal consumer reports

Hello, I am writing to formally dispute and challenge the alleged late payments that have been reported on my credit file. I have identified discrepancies related to late payments that do not appear to be accurate or supported by valid documentation. I am curious as to whether these alleged late payments are fraudulent. It is essential to emphasize that I am challenging these late payments as " alleged '' late payments, as there is a lack of proper verification and validation of these entries. I believe that it is within my rights, as a consumer, to request proper verification and documentation to substantiate the accuracy of these late payment entries.

The alleged late payments in question are as follows : ( Repeat below as necessary ) LATE PAYMENTS : 1. Creditor : XXXX XXXX - Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Original loan {$100000.00}. 

Reason : Requesting verification of these alleged late payments Instruction : Update these alleged late payments as on-time never late ( this account was closed on and fully paid in XXXX ) I formally request that you provide the following information to verify the accuracy of these alleged late payments : 1. Verification of the Account : Please confirm the account details, including the creditor 's name, account number, and account history related to these alleged late payments.

2. Proof of Late Payments : Provide documented evidence, such as payment history records, invoices, or other supporting documentation, to substantiate the claim of late payments for the specified months and dates.

3. Compliance with Reporting Guidelines : Ensure that the reporting of late payments complies with all applicable federal and state laws, as well as the guidelines set forth by the Fair Credit Reporting Act ( FCRA ).

4. Reporting Accuracy : Confirm that the reporting of these late payments is consistent with the accuracy, timeliness, and completeness requirements outlined in the FCRA.

I must emphasize that I take my credit history and creditworthiness seriously. The accuracy of my credit report is crucial to my financial well-being, and I want to ensure that any derogatory nformation on my report is reported accurately and complies with all legal requirements.

I request that you promptly initiate an investigation into these alleged late payments and provide a written response within 30 days, as required by the FCRA. If you are unable to substantiate the accuracy of these alleged late payments within this timeframe, I expect that they will be removed from my credit report.

Please be aware that I am monitoring my credit closely, and I reserve the right to take further legal action if these discrepancies are not addressed promptly and accurately. 

XXXX XXXX XXXX
Product: Credit reporting

I 'm displeased with the complete investigation with Experian I have listed inquiries on my credit report that I have no clue why they are on my credit report. I have listed them and attached them to this report. Next, I have item 's on my credit report that was not properly investigated. These collection companies needs to be investigated on why they are even on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and XXXX.
Product: Payday loan, title loan, or personal loan

I took out a loan for {$1100.00} in XX/XX/2023. I paid {$680.00}. I called and asked them to reduce my payment and to work with me on a payment plan they told me they could not do it. but that if I paid {$100.00} extra, I could call and try to negotiate it after that but my interest continues to accrue daily. the agent processed that payment over the phone. I made the extra payment and I still can not resolve it. As of today, my loan is {$1400.00} outstanding in addition to the {$780.00} I already paid.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Item ( s ) resulting from XXXX  that should be blocked : XXXX : XXXXXXXX XXXX XXXX  XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX Please Contact Via Mail Enclosures : A self-attestation & Proof of Identity XXXX XXXX
Product: Credit card or prepaid card

I called AmEx in early XXXX, because I accidently paid two balance in full payments, the alert made me jump out of bed early in the morning. I called AmEx immediately, expressing several times that I am just waking up and to bare with me. You'll hear this on the call. 

Everything was great with the refund. We end the call, and she throws a really attractive upgrade offer at me ( early in the morning ) so I said let me think about and I'll call back with a " no problem '' in response. The upgrade is nowhere to be found and I'm heard it was DECLINED?! This is extremely deceptive of AmEx.