23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On XXXX XXXX, I contacted Equifax due to inaccurate information being reported on my credit report. An investigation was done and the results are attached. Well while over looking the results for XXXX XXXX # XXXX, the results of the investigation states that that this account is currently reporting included in bankruptcy, but when you look at the account it does not reflect the information as confirmed by the documents sent by Equifax that would be accurate as this was included in bankrauptcy. 
XXXX formerly known as XXXX XXXX account # XXXX is reporting the same error as listed on the information listed above. 
on the XXXX account # XXXX and and XXXX account # XXXX listed on this same conformation report attached in which the 30 day investigation has concluded. ... you will see that they are showing that both account are still disputed by consumer and is under reinvestigation. the XXXX accounts are reporting correctly as never late and paid off. This is correct and I have do not dispute this information nor have I asked for another investigation. 

I have placed several calls to Equifax but no one is willing to correct the issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking. Number XXXX
Product: Credit reporting

I have filed more CFPB complaints against Equifax than I can count. The company has repeatedly failed to take proper action to correct my credit report. 

I have nearly a dozen accounts with incorrect information on my credit report. This includes incorrect balances, accounts that are closed being reported as open and duplicate accounts. I have notified Equifax of problems with my report multiple times, you can view my complaints with the CFPB as proof of this. 

For example, my credit report lists XXXX open XXXX XXXX accounts when I have XXXX open accounts. It lists XXXX open XXXX accounts when I have XXXX open account. It lists XXXX open Comenity accounts when I have no open accounts. The list goes on. Some of these accounts have not been updated in years. Equifax tells me it 's the creditors fault. The creditors tell me it 's Equifax 's fault. Nobody wants to rectify this. 

I have spoken to the public affairs department at Equifax which is rude and unhelpful. A gentleman took a dispute from me but so far nothing has happened with it. The creditors have ALL CONFIRMED THEY ARE REPORTING TO EQUIFAX O THE PROBLEM IS WITH EQUIFAX NOT THE CREDIT COMPANIES. 

There is XXXX a problem with my report where information that is being reported by the creditors is not being updated for some reason. My other credit bureau reports are updated fine, so I know the creditors are reporting. This is happening with a multitude of creditors too, so it 's not just XXXX company that is having a problem placing information on my Equifax report. Accounts are updated for a few months, then the reporting stops and I am left with incorrect information ( i.e. that closed accounts are open ). This is a huge problem and has a huge impact on my credit.
Product: Checking or savings account

I made an electronic payment on XXXX from my Chase checking account to my insurance company in the amount of {$1100.00}. It was supposed to be an electronic transfer direct to the insurance company with delivery on XXXX. Unbeknownst to me, Chase contacted the insurance company and asked them whether they preferred an electronic transfer or a mailed check. The insurance company choose the check option. This option meant my payment would not be received until XX/XX/XXXX ( 2 days after my payment was due ). Today ( XX/XX/XXXX ) I received a cancellation notice on my insurance. 

I immediately contacted Chase and was told the above story and was also told that although my proof of payment now says the check would be received by the XXXX that my check was actually mailed out today ( XX/XX/XXXX). 

I believe Chase should inform customers when there is a change in method of payment. I also think that when they make these changes that the payment should be made immediately. Not 11 days after my request. By the way, they withdrew the money from my account on the XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Investigation and Dispute of Charge-Off under 15 U.S.C. 1681i To whom it may concern : I am writing to formally dispute a charge-off account that appears on my credit report managed by Experian. After reviewing my credit report, I have identified this account as inaccurate and potentially damaging. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to request a thorough investigation of disputed information on my credit report.

Pursuant to the provisions of the FCRA, I respectfully request the following : A detailed reinvestigation of the charge-off account in question to verify its accuracy, completeness, and validity.

Immediate correction or removal of this charge-off if it is found to be inaccurate, incomplete, or unverifiable. 

Written confirmation of the results of your reinvestigation, including any changes made to my credit report as a result of this dispute. 

The FCRA mandates that consumer reporting agencies must conduct a reasonable reinvestigation within a specific timeframe to ensure the accuracy of the reported information. Therefore, I trust that Experian will handle this matter with due diligence and compliance with federal regulations. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in your verification process. 

Thank you for your prompt attention to this matter. I look forward to receiving your response within the timeframe prescribed by law. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) This section of the Fair Credit Reporting Act outlines the procedures that consumer reporting agencies must follow when a consumer disputes the accuracy of information on their credit report. Key provisions include : The agency must conduct a reasonable reinvestigation of the disputed information.

If the information is found to be inaccurate or can not be verified, it must be corrected or deleted from the consumer 's credit file. 

The consumer must be informed of the results of the reinvestigation within the required timeframe. 

Failure to comply with these procedures can result in a violation of the FCRA and entitles the consumer to seek corrections and legal remedies.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Experian a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.
Product: Credit reporting or other personal consumer reports

The reason I am submitting this complaint is because I contacted XXXX approximately around XX/XX/2023 for the second time and demanded the following experiences be excluded from my consumer report because they violate my consumer rights based on the FCRA. - XXXX XXXX and XXXX XXXX XXXX. The following codes below support my request to have the items above excluded from my consumer report. 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 card

I inadvertently missed the payment due date on a Hilton Honors American Express card. The balance was {$16.00} for a single charge for a recurring subscription to a streaming service. As soon as I received notice from AmEx that the payment was missed, I paid the {$16.00} balance. My account was charged a {$16.00} late fee for the missed payment, which is over 94 % of the balance due! While it's very possible this is part of the XXXX  with American Express, this is a predatory late fee. I called to request that the late fee be waived, and was directed to their online chat. The chat agent submitted the request and it was declined. I've had this card for a little over a year and have never missed an on-time payment. I escalated to a supervisor and got the same answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Hack on Equifax is ridiculous, they should have never stored that much personal information in plaintext. There needs to be repercussions.
Product: Credit reporting, credit repair services, or other personal consumer reports

INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with XXXX, XXXX, and Experian. 

I have asked XXXX, XXXX, and Experian whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying XXXX, XXXX, and Experian. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified dispute to this bureau about a closed old account labeled XXXX/XXXX XXXX. 

So, basically the dates are not right and I wanted the bureau to delete the account completely considering the delinquencies are actually from XX/XX/XXXXbut for some reason were not reported until XX/XX/XXXX. Delinquencies were not from XX/XX/XXXX. The card was already closed in XX/XX/XXXX. Considering I have not heard back from them in already over 30 days I would like to just have it deleted for an accurate report and abide by FCRA law 605 15 U.S.C. section 1681 ( c ).

Also, a major concern I have, Still I noticed that the item is not appearing as disputed so that I know at least that they are investigating this and that has violated FCRA 605 15 U.S.C section 1681 ( f ). No indication of dispute present
Product: Checking or savings account

I had lost my debit card I believe in the XXXX of XXXX but didnt realize I had lost it due to not going out and shopping due to the pandemic. I then got a notice that my account was close to being overdrawn so I looked at my account and saw that someone had been using my debit card on the XXXX, XXXX, and XXXX, making purchases of {$330.00}, {$400.00}, {$600.00}, {$800.00} and more without me doing so. I called J P Morgan Chase and canceled the card and reported it as fraud. I called on the XXXX when I got the notification. I was told that day that the funds would be put into my account in two business days. Two days passed and they told me again, it would be another two days but said I would receive the funds back. After those two days I was told AGAIN that it would be longer. The XXXX of XXXX that I would receive my funds. That they GUARANTEED I would get them back. On the XXXX of XXXX I get a letter saying they will not reimburse the money due to me not calling sooner about my card being stolen snd because someone used my card as a debit. Which when I called I stated Ive read numerous articles that PIN numbers get stolen and hacked all the time and that this was ridiculous. That Im now out {$3500.00} during a pandemic and out of the country snd they didnt care. Gave me the lame reason of not calling sooner about my card and now Im literally broke. This is unacceptable and makes no sense as I didnt make the purchases and was told I would receive the money and HAVE NOT. With them refusing to do so, I could be evicted because of their refusal to reimburse the funds I worked for and guaranteed to me three different times on the phone that I would receive MY money back. They are also now stating that they are closing my account with them and wouldnt even give me a reason for that!
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, In this follow up, I regret to inform you that these items still persist on my record. As we enter this attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items removed from my credit report. I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Please help me remove these fraud items immediately : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint by myself with no help from a third party. I noticed some accounts on my credit that do not belong to me i tried getting them removed from the credit bureaus to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

We hired a contractor to do repairs on our home after Hurricane Michael in XXXX. The contractor was terminated on XX/XX/XXXX for breach of contract. However, sometime in late XXXX of XXXX we finally received insurance checks ( dated XX/XX/XXXX XXXX, two of which contained the contractor as a payee. They were issued by XXXX XXXX, from their account with JP Morgan Chase Bank, Check # XXXX for {$120000.00} and Check # XXXX for {$6700.00}. Both of these checks were deposited and cashed at a Chase Bank, sometime in XXXX of XXXX, by our previous contractor, XXXX XXXX XXXX XXXX, without my endorsement or that of my Mortgage Company XXXX XXXX XXXX XXXX XXXX! After contacting Chase about the banking error we were informed that we must prove the money belongs to us even though XXXX XXXX was allowed access to those funds without all the necessary and required endorsements, and a violation of Chase Banks own deposit account policy! 

A complaint has been filed with the XXXX XXXX XXXX Department for fraud and theft against XXXX XXXX, case # XXXX.
Product: Debt collection

On XX/XX/2023, I viewed my XXXX credit report. There was an negative credit report showing an account from Bonneville Collections. I sent them the attached file requesting debt validation on XX/XX/2023 and have a return receipt confirming receipt of XX/XX/2023. They never responded to my request for debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter To Verify The Accuracy On Credit Report. In I have not had a response. I also send out another letter just in case they didn't receive it still no respond. I Have the right to verify the Accuracy of the account being reported. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. 

Also under 15 us code 1681 and 15 us code 1681b ( FCRA ). The law clearly states the following 15 us code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may 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. 
Meaning that if you do not have or havent gotten any written instructions from me ( the consumer ) to furnish an account on my report. It should not be there. That is a violation. I never gave written instruction to furnish any of the following accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Details TransUnion Credit Report As of : XXXXXXXX XXXX This account is in violation for 15 usc 1681 improper use if my credit report as well as failure to provide complete and accurate information. This account shows that there is a 0 % usage as well as a XXXX balance on the account but reflects opened there is also no payment history.I never signed a contract with this company nor have I have any knowledge of this company is in violation of 15 USC 1681. The account also reflects opened the contract with established. XX/XX/2022 I have asked Transunion for validation of the debt I have given him 30 days to provide that information, and the information has not yet been provided with the original signed contract from the creditor. I am demanding deletion of the account for my credit report as well, as I am, may seek legal suit against Transunion for up to {$1000.00}. For failure to provide accurate and complete information. FCRA law
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX  refuses to remove address that do not belong to me. Credit report number with all the incorrect information XXXX