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

I am writing to file a formal dispute with Experian regarding inaccuracies on my credit report. On XX/XX/XXXX, I contacted Experian about the following discrepancies, but to date, I have not received a response. I believe Experian has an obligation to adhere to federal laws, specifically the Fair Credit Reporting Act ( FCRA ). I kindly request that Experian promptly verifies the accuracy of the disputed accounts and provides me with a written response detailing the actions taken to resolve this matter. 
The details of the inaccuracies and required corrections are as follows : XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$1.00} ) : This account was never late. Please correct this inaccurate information on my credit report. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) : This account was never late. Please correct this inaccurate information on my credit report. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$19000.00} ) : This account was never late. Please correct this inaccurate information on my credit report. 


XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$0.00} ) : This account is not mine. Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

According to my Experian report On XX/XX/XXXX there was a XXXXXXXX XXXX XXXXXXXX opened and listed on my report with a balance of {$500.00}. There was a XXXX  XXXX XXXX, XXXX  opened on XX/XX/XXXX with a {$0.00} balance. There was also another XXXX  XXXX XXXX, NA opened on XX/XX/XXXX with a {$0.00} balance on it. There was a XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a balance of {$0.00}. Ive made several claims about these incorrect reports on my credit report and nothing has happened.
Product: Debt collection

I have no knowledge of this account. At the time, I was moved due to protection battling a XXXX XXXX. I havent lived in XXXX XXXX in years due to XXXX assistance. Ive reached out multiple times to this company and theyve even XXXX my family and contacted them, after asking them not to. Im assuming they are a XXXX XXXX  that my closed account was sold to, and they reopened this year. The XXXX account is over XXXX years old. 

This is not accurate and fraudulent
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXXXXXX XXXXXXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am being taken advantage of as a consumer by ChexSystems. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Product: Credit card or prepaid card

Date of Charge : XX/XX/XXXX Speedway Gas Station XXXX City XXXX XXXX XXXX, Pa XXXX At the time I purchased the gas - The gas attendant informed me after the gas tank was fill for my car that I could not have a receipt because the machine was broken that prints it out. Charge should have been : {$35.00} was charged {$100.00} for gas at a local gas station by my college. I disputed the charge with Capital One as soon as I saw it on my statement. I received from Capital One at letter with the confirmation of a charge for {$100.00} stating that I purchased {$100.00} worth of gas. I wrote in my dispute letter ( XX/XX/XXXX ) that I own a toyota corolla XXXX it only takes 13.2 gallons of gas to fill the tank. On the receipt from Capital One it stated from the gas station ( that Capital One Requested ) that I purchased 37.893 Gallons of Gas for a charge of {$100.00} - this is a scam they have done this to many local college students to rip off their credit cards. I also expressed this information to Capital One that they should conduct a fraud investigation into this matter. On XX/XX/XXXX I received a letter from Capital One stating that the matter was closed. I am a harding working college student ( XXXX ) this is a large amount of money for me - I work hard for everything I have. Please look into this matter and let me know your findings XXXX Attached is the letters and information )
Product: Credit reporting or other personal consumer reports

have had a clean address report for the last two years i have lived in the same place for fifteen years and now my experian address says i live at XXXXXXXX XXXX XXXX XXXX XXXX  XXXX i have never lived there there is no address in XXXX with XXXX XXXX XXXX.
Product: Payday loan

speedy cash charged me {$310.00} for a loan of only {$240.00} then reported it to my credit report please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help!

XXXX XXXX XXXX XXXX  XXXX Date Opened>>> XX/XX/XXXX XXXX XXXX XXXX  XXXX  Date Opened>> XX/XX/XXXX
Product: Credit card

Tomoboost subscription makes it impossible to cancel. I have tried to cancel several times their AI just keeps responding with deal offers to keep me from canceling. There is no way to cancel on their website. They require email but refuses to cancel it after emailing. I can't just take my payment information off the website as they wont let you remove a payment method that you have used.It seems that tomoboost is a scam.
Product: Credit reporting or other personal consumer reports

I applied for a self builder account, At this company called Self Lender to help grow my credit. The email thats link to this account has be hacked. I was buying a home and the bank came back and said I have two delinquent credit cards account with self lender. I never applied for any credit cards with this company only a credit builder account. I called and complained almost 10 times and this company is tellIing me that they sent me credit cards. I have argue with this company 10 times and not getting no where.There is no fraud department to talk to they keep telling me they are going to email me to reslove the issue. Now they have been reporting this balance XXXX and XXXX on my credit report and have drop my score so low from where i worked hard from. I have been a victim of idenity theft and have the credit freeze on my account on the credit bureaus. I have filed a police report on this company. At this point can you remove this off my file plz. 
Thanks XXXX XXXX!
Product: Credit reporting or other personal consumer reports

XXXX : ** XXXX : Failure to Respond to CFPB Complaint # XXXX Violation of 15 U.S.C. 1681i **To : ** TransUnion XXXX : ** Compliance & Consumer Relations Department I am writing to formally demand an immediate response regarding my **CFPB complaint # XXXX, which I filed on XXXX XXXX, XXXX. Under **15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ** of the Fair Credit Reporting Act ( FCRA ), you are required to **investigate and respond within 30 days** of receiving a dispute. As of today, you have failed to comply with federal law.

**Violations Committed by TransUnion : ** 1. **Failure to Investigate and Respond ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) ** The FCRA mandates that a credit reporting agency must complete its investigation within **30 days**. Your failure to respond within this time frame constitutes a direct violation.

2. **Failure to Provide Evidence of Investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ) ** If the disputed information was verified, you were legally required to provide me with a written notice explaining the basis for your findings. You failed to do so.

3. **Willful Noncompliance ( 15 U.S.C. 1681n ) ** Your refusal to respond in a timely manner demonstrates reckless disregard for your legal obligations, making you liable for actual damages, statutory damages up to ** {$1000.00} per violation**, and punitive damages.

4. **Negligent Noncompliance ( 15 U.S.C. 1681o ) ** Your failure to follow reasonable procedures in handling my dispute exposes you to legal liability for any harm caused by your negligence.

**Immediate Actions Demanded : ** 1. **Provide a detailed response** regarding my dispute, including all documentation used to verify the information reported.

2. **Remove the inaccurate information** if you can not provide verifiable proof that it is correct.

3. **Confirm compliance within 5 days** or face legal consequences, including escalation to the **FTC, CFPB enforcement, and a potential lawsuit under FCRA violations**.

If I do not receive a **full response within 5 business days**, I will proceed with the following actions : **File additional CFPB complaints** citing your continued violations.

**Submit a formal complaint to the FTC** for regulatory enforcement action.

**Initiate legal action** seeking damages under **15 U.S.C. 1681n and 1681o** for willful and negligent noncompliance.

This is your final opportunity to comply before I escalate this matter further. I expect your immediate attention and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed erroneous information reporting on XX/XX/2019. I have contacted the bureaus to dispute as well as requested verifiable information that I was the owner of this debt. I have proof of deletion from my XXXX  credit report. This information is not reporting properly across the 3 bureaus which is negatively impacting my score. Please assist with prompt deletion
Product: Credit reporting or other personal consumer reports

There are several errors on my Equifax, XXXX and XXXX credit reports. They are as follows : Accounts are 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

I have been requesting information from the bureaus and they haven't sent me anything. There are several accounts I needed information on. 
1 ) There are 2 XXXX XXXX XXXX one is for XXXX the other for XXXX. one showing opened in XX/XX/XXXX the other XX/XX/XXXX why if money was owed would they have opened another account. There is no way I owe {$2200.00} to XXXX .... This is a mistake 2 ) XXXX XXXX they indicated the payment history was bad starting XXXX of last year that is not correct 3 ) XXXX XXXX this was being paid through my employer they were taking money out of my check for this and there should have been no late payments 4 ) XXXX  and TransUnion are also reporting two medical collections both with a company named XXXX one in the amount of {$520.00} the other in the amount of {$900.00} neither which are mine. These companies keep taking a debt that does not belong to me and continuously sell it to someone else they are not mine. 
I started requesting an investigation to the above accounts back in XXXX and have yet to get anything from any of the three bureaus. WHAT IS GOING ON?
Product: Credit reporting or other personal consumer reports

XXXX XXXX- {$1800.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. Discover Bank- {$8700.00} XX/XX/year>, sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. XXXX XXXX XXXX XXXX {$5000.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. 
XXXX XXXX XXXX XXXX {$0.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified.
Product: Checking or savings account

It has been brought to my attention that the accounts opened in my name at BBVA Compass in XXXX, Alabama were assessed maintenance and inactivity fees after the balance was brought to XXXX dollars, and subsequently then charged off. It is concerning that a financial institution would assess maintenance and inactivity fees to an inactive account after the balance reached XXXX dollars and then charge off the account, rather than simply closing the account when it reached XXXX dollars. When an account ( s ) does not have activity and the account ( s ) have not been accessed either via online banking, mobile banking, the ATM, nor has the customer contacted the bank, it should not charge fees to account after the balance is XXXX. I would like the bank to reverse the charge off and properly close the account at a XXXX balance, and reverse any negative information reported on me to any outside agency or bureau.
Product: Debt collection

I am requesting validation of a debt that this company is attempting to collect. Despite my previous request, I have not received the following critical information necessary for proper validation : Original Purchase Agreement or Contract : The original purchase agreement or contract associated with this debt has not been provided. This document is crucial for verifying the terms and conditions of the debt, as well as the validity of the amount being claimed.

State Licensing : Proof that your company is licensed to collect debts in my state. This includes the license number and the state in which it is issued.
Product: Credit reporting or other personal consumer reports

I was told my account was past due with XXXX. I called when I got my first letter from nelnet and over the phone on XX/XX/XXXX made my account current And set up automatic payments going forward. 

XXXX failed to process both my initial payment and my automatic payments and never notified me that it remained delinquent. After a month they transferred my loan without giving me notice. 

When I called XXXX they had difficulty finding the XXXX in payments I made despite my having the verification codes of these payments and proof theyd been deducted from my bank account. 

My account remains in default- hurting my credit. They want me to pay all over again but I dont feel comfortable sending more money to a company that cant find the first money I sent. It was never returned to my account. When I asked why it never processed they said some payments could take months to process. How can an account be marked past due when their payment process is the reason a payment is late. I now have additional interest on this loan and my score keeps going down. I made these payments in XXXX. They transferred my loan end of XXXX. They said the new loan company should have my XXXX payment. I called and they do not. Nor do they have any indication that it will be coming. Im currently fighting with my bank to get the payment marked fraudulent so I can get the money back and make my loans current. XXXX refuses to refund me or provide a receipt on their end that that money was transferred to the new loan holder. 

XXXX needs to fix my credit score And refund me the interest and original payments at Minimum.
Product: Credit reporting or other personal consumer reports

My recent credit report investigation left me feeling very XXXX  since I discovered unverifiable, invalidated, erroneous, and dubious information that your business failed to verify were 100 % factual.

Everything in my credit report must be 100 % accurate in compliance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ), and 15 U.S. These accounts violate Code 1681i ( 5 ) because their reporting is not entirely true. Copies of every letter sent are included below.
Product: Mortgage

In XX/XX/2024, my husband and I applied for a mortgage with Fidelity Home Group because it was marketed to us as being a mortgage company that specializes in writing mortgages for investors of unwarranted properties. I completed the loan application and uploaded all of our pertinent information, only to find out that they only do mortgages in Florida.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Transunion regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account : XXXX XXXX ( Account number : XXXX ) Disputed Information : reported balance, date of last activity, closed date, creditor type and last payment.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Transunion has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit card or prepaid card

I purchased a prepaid visa giftcard for {$500.00} plus {$5.00} fee on XX/XX/XXXX and when attempting to use it, it was declined at a merchant. I know this was a scam where the card information was compromised. My card ends in XXXX but the merchant where it declined showed a different last XXXX digits of the card when a decline receipt printed. This tells me the info was compromised. Also the CCV on the card was scratched out on the card by the scammer. I have reason to believe they somehow compromised the card to activate a different card instead of mine. Not sure how they managed to do that. Please help and mail me a new card and stop the scammer if you can thank you. 

Attached is a XXXX page document that contains : a copy of my ID, copy of the receipt, front and back of the card and original packaging. 

I contacted Vanilla gift/Incomm several times at XXXX and they continue to say wait XXXX hours and someone will get back to me. No one gets back to me. They opened case # XXXX to investigate and I sent in all requested documents. Several reps have said a new card was sent to me since XX/XX/XXXX but that's not true. A supervisor name XXXX today confirmed that nothing has been resolved and no replacement card has been sent. Please help.
Product: Checking or savings account

On XXXX I filed a dispute with CHIME BANK for an unauthorized charge in the amount of {$150.00} from an unknown company. My phone was lost/stolen that contains all my personal information not limited to, my name, address, stored card numbers and cvv codes. In less than XXXX hours, I received a final decision from CHIME stating that an investigation had occurred and found " no error. '' That would be virtually impossible! What type of investigation and due diligence occurs in less than XXXX hours and outside of business hours, no less? This company has acted negligently on my behalf. There was no detailed explanation or documentation included that supports their decision/investigation. It seems to me this company just denied the claim without conducting a proper investigation. Upon researching CHIME and their disputes process, this type of negligence seems customary. The lack of proper investigation and supporting documentation is a violation regulation E and against the law. Additionally, I have filed a complaint of the theft with FBI under cybercrimes as I believe this unauthorized transaction occurred electronically.
Product: Debt collection

these people started calling me on XXXX/XXXX/2015 about an illegal usury interest rate account, that they purchased from XXXX XXXX. XXXX XXXX does not have a license to make these type of transactions in the state of California ... ..I advised them that I will not pay {$900.00} in interest on a six month account and requested their license number..they have not provided it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

attempting to open XXXX card online. Have bad credit less than XXXX per communications with bank staff ( dispute with XXXX  XXXX XXXX which has been filed with CFPB on account of banks delay to close card ). The phone number on the site is not working, site is not working, if staff do respond they do not provide any information. Card has not been activated as yet as application is not being completed.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the XXXX   partial account numbers : XXXX and XXXX ( page 29 of the attached credit report ). These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to past due on accounts that have a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to fix this coding error.
Product: Money transfer, virtual currency, or money service

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