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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX  Balance : {$1700.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX - XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$12000.00}.
Product: Payday loan, title loan, or personal loan

I applied for a loan with XXXX XXXX XXXX for the amount of {$400.00} and the entire loan balance was {$570.00}. I already made 3 payments of {$130.00} which came to the amount of {$410.00}. when I called to check in when the remaining balance was and if it was my last payment the operators told me that I still owe over {$500.00} so I am paying off more than I owe.
Product: Credit card or prepaid card

I applied for the Bank of America Small Business credit card on XX/XX/2018 for my Sole Proprietorship that I just started. I filled out the application selecting Sole Proprietorship as the business type. I did not receive a decision at that time and later received a letter dated XX/XX/2018 requesting more information. 

This letter requested proof of business, verification of legal structure, year end business financial statements and tax returns. They gave me one month to provide this information. They also disclosed my credit score as XXXX, establishing there is no credit issue. As a newly established sole proprietorship, I do not have many of the items they requested as they do not exist and are not required for my type of business. I provided the information that I did have, such as my tax returns, along with explanation of why the other information was not available nor applicable. 

I think received a letter dated XX/XX/XXXX, denying my application. This is before the 30 days I was given to produce the information. The reason for denial was insufficient information on the business bureau- which is not required for a Sole Proprietorship - and business credit references have not been established for a sufficient length of time - which is  discriminatory in nature against new businesses, even those such as mine with excellent credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 accounts closed by consumer due to company closing. 
XXXX XXXX XXXX XXXX XXXX Paid off/ closed accounts still showing up XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accounts that are paid for Federal student loan that's been closed by XXXX
Product: Credit card or prepaid card

Dear CFPB, the payment on my Capital One credit card ending in XXXX was due on XX/XX/2018. I paid it the day it was due XX/XX/2018. As shown in the attachments. 
I was charged a late fee. 
Request to refund the late fee as well as minimum interest charge that was accrued on the the late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are and they say it is not in dispute when i have letters and emails showing they are
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX Balance : {$170.00}.
Product: Checking or savings account

Some one at WellsFargo without my knowledge opened account for me couple years ago. 
I did complaint to the branch manager, they supposed to take an action and let me know but they never did. 
I never authorized for theta account and my signature. 
WellsFargo has sells pressure for the employees and we as clients we should pay for it.
Product: Debt collection

This is a charged off account IRS 1099 C was not provided to me for tax purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 - Applied for a car loan through a dealership. Was denied. 

Received a letter in the mail ( dated XX/XX/2019 ) stating denial and showing credit score results. XXXX reflected a seemingly accurate credit score ( I have never missed a payment in my life ) but XXXX XXXX XXXX showed a poor credit score. 
A quick XXXX search reveals countless testimonies to XXXX 's low credit score reporting and their spam-like behavior.

Sought my own financing and found it easily through a credit union because my credit is, in fact, excellent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9.00} ; XXXX XXXX Balance : {$18.00}.
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, Account : XXXX, Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX has violated my rights. Or list of inquiries 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 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

I have submitted letters on XX/XX/year>, requesting for accounts to be removed from my credit report. I've also requested for the investigation was done when the allegations from Experian stated they verified the accounts. I have not received any letters or any updates from Experian. This is a violation of FCRA Conducting sharm investigations that fail to properly address consumers disputes : Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher 's response to the disputed information even when that response was improbable or illogical on its face or when Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when this response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable Experian. FCRA 's requirements. Dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher responses to disputed information, and failure to prevent improper tradelines reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Under, 15 U.S.Code 1681b- Permissible purposes of ( a ) In general subject to section any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I never gave any consumer reporting agency a written instruction to report anything on my credit report which violates my rights.15 USC 1681 E COMPLIANCE PROCEDURES ( b ) Accuracy of report 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. I am requesting for the following accounts to be deleted Immediately! XXXX XXXX XXXX : Acct : XXXX, XXXX XXXX XXXX : Acct # XXXXXXXX XXXX XXXX XXXX  : # XXXX.
Product: Credit reporting or other personal consumer reports

I have been going back and forth with this company reporting many errors to my credit report and the credit bureaus seems to always contacting the company in question and verifying the information even though it has and still being reported incorrectly. 
I believe this is an act by XXXX XXXX to intentionally cause harm to me and my credibility. 

They are reporting that I had a highest balance of {$560000.00} which I had no such balance ever. And XXXX XXXX themselves, told the CFPB and I think the BBB the financial transaction they and I had. This reported highest balance is an error. There were never a balance that high. How can the highest reported balance be more than the initial amount XXXX XXXX XXXX alleged they lent me? This has never once been mentioned in the correspondence that XXXX XXXX sent both the BBB and the CFPB. I want them to be deleted from all my XXXX credit reports immediately for reporting errors. 

By law, this is not allowed and is against the law. 

Kind Regards, XXXX, XXXX XXXX
Product: Checking or savings account

I recently opened an account with SoFi Bank and transferred my direct deposit from my previous bank to this new account. On XX/XX/year>, I received an email from SoFi alerting me that a new bank account was linked to my account, which I did not recognize at the time. Out of caution, I immediately contacted SoFi customer support for clarification. The representative informed me that they would open an internal investigation into the matter and that someone from the team would follow up with me. 

Shortly after my call, I discovered that my account had been restricted, completely preventing me from accessing my funds without prior notice. This restriction included my entire paychecks, leaving me unable to pay rent and other essential bills. I called SoFi again for clarification, only to be told that : - There was no timeline for the review process. 
- They could not escalate my case or provide contact information for the XXXX XXXX XXXX or a supervisor. 
- My funds would remain inaccessible indefinitely until the internal review was completed. 

After further research, I realized that the flagged transaction was a legitimate and authorized transfer I made from SoFi to my XXXX XXXX  account, which is facilitated by XXXX XXXX Bank. I immediately called SoFi back to inform them of this, believing it would clear up the issue. However, I was again told that nothing could be done, and that the investigation would continue with no estimated resolution time. 

I reached out multiple times for updates but received the same response every time - that my funds would remain inaccessible, and that I simply had to wait. On XX/XX/year>, I called SoFi again to request closure of the investigation and reinstatement of my account. The representative refused to provide a direct contact for a supervisor or the review team, again stating there was no timeline for resolution. 

At this point, I have no access to my own money, despite repeatedly providing verification that my transfer was authorized. I have essential financial obligations that are being impacted due to SoFis lack of transparency, refusal to escalate my case, and failure to provide a reasonable resolution timeframe. 

SoFis actions have placed me in a serious financial hardship and demonstrate unfair banking practices that need to be addressed. I appreciate the CFPBs assistance in resolving this matter as soon as possible.
Product: Debt collection

Hi- I had to take a procedure on XX/XX/XXXX at XXXX XXXX XXXX XXXX center advised by my XXXX who made me to get it done there to bill me and take higher amount. I contacted XXXX XXXX XXXX 3 times before this XXXX to get an estimated amount of the co-pay. They said as this goes as XXXX XXXX, there is no liability to the patient. But after a month later they sent me surprising bill of {$1200.00} and after another month later they increased the same bill up to XXXX. I am a low-income single mother with XXXX minor kids and getting the state medical XXXX from XXXX this year as I'm low income. I explained all these and my inability of paying this bill and mentioned about the miscommunication they provided me. I further requested them at least to give me a XXXX  program to pay this high bill. I tried to solve the issue by reaching them and XXXX XXXX XXXX several times by phone and even I sent a letter to them on XX/XX/XXXX by post mentioned the situation. Despite of everything they sent this to a collection company - Universal XXXX without offering me any financial aid or any feed back to my letter request. 
I totally deny this as they misguided me from the beginning, did not provide any information of the amount or the procedure cost and finally they sent me the surprising bill without any detail bill. without any thing mentioned they further increased the bill by {$1400.00} after the first invoice.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against [ transunion ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On [ XXXX ], I discovered discrepancies in the following account ( s ) : XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX 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 validated 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, [ Credit Bureau Name ] 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. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Credit reporting

EXPERIAN credit reporting agency refuses to remove my disputed items from my credit report. 
Item # 1 XXXX Department of Child support ( DCS ) reported incorrect information on my credit report last year ; I recently went to DCS about this issue, but they refuse to contact EXPERIAN because the case is no longer open with the courts, but they provided me with a certified copy of my payment history and a termination of child support letter. I mailed all the documents to EXPERIAN as proof that there was never any delinquency and the DCS case was also closed XX/XX/XXXX. EXPERIAN 's responded to my dispute stating that the item will now remain on my report until XX/XX/XXXX because of my updated dispute. Also, the DCS case was opened in XXXX in XXXX, but after leaving the military and moving to XXXX, XXXX took over the case. This case is over 20 years old. Account # XXXX Item # 2 I opened an auto account with XXXX XXXX in XXXX and it went into default and was sold to several collection agencies over the years. I recently filed bankruptcy to get a fresh start and I included this collection account. This account is also over 9 years old. EXPERIAN refuses to remove this item from my report. Account number XXXX Please help me!!! 

Thank you, XXXX XXXX
Product: Credit card

In response to XXXX first and foremost we did not receive the ENCLOSED SIGHNED SALES RECEIPTS as stated in TDs reply. All we recv 'd was their letter response dated XX/XX/year>. Second-we contacted them numerous times when this anomaly of a charge showed up and claimed it was fraudulent. Their reps told us TWO affidavits of fraud were sent out to us. We never rcvd EITHER of them. At that time, why then not offer a different avenue in which to send the affidavits? Email/Certified w/ signature etc. We obviously recv 'd their letter of response to the CFPB. 

We claim this amount of {$42.00} as fraud and perpetuated by TD Bank as XXXX XXXX  verified the amounts on the bills we have and did not have this as a " computational error '' as TD bank asserts. TD bank without any degree of communication ( written/email/phone etc. ) arbitrarily decided to charge the account {$42.00}. This constitutes fraud by their hand. So by this behavior TD Bank can create and post a transaction to any card w/o notifying it's customer? 

We attempted numerous times to contact TD Bank regarding the status of this transaction and none of their reps were able to shed light on it. In addition, we were locked out of making a payment online for the payment due date of XX/XX/year> and XX/XX/year>. We were told by their reps that because we filed a complaint with the CFPB they froze our ONLINE profile and could only make the payment via mail or phone. We were not NOTIFIED of this freeze. We made a payment by phone w/ their agent on XX/XX/year> for the XXXX payment and XX/XX/year> for the XXXX payment. Both times we were on hold for over an hour trying to connect to someone. Because we filed a complaint-this should not exclude us from paying online. I felt discriminated against because of our filing w/ the CFPB and this made me feel as if they wanted me to default to lose the promotional interest free offer. TD Bank is practicing unfair business acumen and appears to be criminal on the surface. I do not accept their response and expect to have the {$42.00} removed from the account due to their abhorrent handling of this entire exchange and an apology letter is warranted. I will NEVER do business w/ any TD bank or affiliate in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) So I have XXXX derogatory marks-have owned my house since XX/XX/XXXX ( over 4 years ) it says my credit age is 1 yr and 9 months 2 ) I applied for an auto loan for a XXXX brand new XXXX XXXX XX/XX/XXXX and the dings on the credit inquiries are OUTRAGEOUS!! ( Hard Inquiries over a year ago ) That is completely ridiculous that that is dropping my score XXXX pts!! The auto has even ben paid off and I not longer have the loan. 
3 ) my credit is and has been perfect since XXXX ... .the scoring system is a total sham and needs reviewed and revised badly
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a State Tax Lien Ref : XXXX dated : XXXX/XXXX/XXXX My Credit report is for XXXX XXXX XXXX Birthdate XXXX No other credit reporting agency is reporting this. They are reporting that it is released. This is was not released, but instead it was removed. This tax lien was filed in error, and once contacted the XXXX, this was immediatly removed. This was also removed from all my credit reports except for Equifax. I have repeately sent them the letter from XXXX showing this was a removed tax lien, and should be off my credit report. I never paid this tax lien or had it released, it was an error and should not be on my report. This is serioulsy hurting my credit and my ability to purchase a home or car. Equifax keeps saying this has been verified, when in fact I checked with the court house and they told me they do not verify to the credit bureas. I also checked with the XXXX who also said they do not verify. So they are not verifying that this information is correct and they continue to report this false information.