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

I am writing to formally file a complaint against XXXX regarding its failure to investigate inaccuracies reported on my credit report, as is required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
Despite my repeated submissions detailing the inaccuracies related to [ specific accounts or information in question ], XXXX has provided me with responses that indicate a lack of thorough investigation. Specifically, I have received notifications stating the accounts are accurate within 24 hours of my dispute submissions, without any accompanying evidence or clarification regarding the investigation process undertaken. 
The actions of XXXX not only violate the FCRA 's mandate for a reasonable investigation but also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The recent findings by the CFPB highlight the necessity for consumer reporting agencies to engage in fair practices, including comprehensive investigations into disputes raised by consumers. 

These are the following accounts XXXX XXXX XXXX ( reported on credit twice ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( reported on credit twice ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for a loan through the U.S. Small Business Administration for my restaurant and I was immediately denied due to negative accounts on my credit profile. Although they could not tell me who they accounts were from they advised to me to review my credit report. After reviewing my credit report I found many negative accounts and multiple inquiries that do not belong to me. I have never authorized these accounts to be opened in my name or with my social security. I don't understand how someone was able to open an auto loan under my name. I have never received any money or merchandise from any of these lenders listed in this report. I have also filed a police report with the XXXX Police Department. Please immediately remove these accounts from my credit profile and delete any addresses not associated with me.
Product: Credit reporting or other personal consumer reports

I did not authorize this creditor to report anything on my credit report. It is illegal to report late payment on a consumer credit report and this alledged creditor should be held liable. Please see : Gorman V.

Wolpoff & Abramsaon*. Supreme Court I demand the repossession and all late payments be deleted from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform Equifax that they are breaking the law by reporting this bankruptcy on my credit report. 1. I never gave you or any other agency permission to put this bankruptcy on my credit report. You need a " permissible purpose '' or my written permission to report items to my credit report. 2. you have infringed on my right to privacy by reporting this illegal and inaccurate information. I recently wrote the U.S Bankruptcy courts and they informed me that they do not report to anyone. I went ahead and contacted XXXX. They said they do not report to anyone also. I then contacted XXXX XXXX and they too let me know that they do not validate anything from the courts. The 3rd thing that is wrong with this Bankruptcy being reported to my consumer reports is that you aren't even reporting the balance that is owed. Under the law, I have the right to fair and accurate credit reporting. So please help me understand how you are reporting this Bankruptcy on my credit reports when no one can validate it. If you can not provide me the information on who validated this account. 1. Name of the person you contacted, business address, and telephone numbers so that I may follow up. 2. How did you contact the furnisher and verify my information? 3. What paperwork you used to verify my information? I would also like to know if the person you contacted gave my name, social security number and birthdate, and address. Since this information was obtained illegally and since it infringes on my right to privacy I want this Bankruptcy removed from my credit report immediately and provide me with an updated credit report. I appreciate you investigating this matter and giving it the attention it needs. Thanks in advance.
Product: Credit card

Discover credit card site shows incorrect amount, instead of {$79.00}, it shows {$130.00} and it I try to make payments, it shows {$130.00}, which is incorrect Last Statement Balance {$0.00} Payments and Credits - {$120.00} Transactions + {$200.00} Current Balance = {$130.00} Next Statement Closing Date XX/XX/XXXX
Product: Mortgage

To Whom It May Concern : On XX/XX/XXXX I was pre-approved for a mortgage of {$200000.00}. I told the loan office my wife would be moving from XXXX to XXXX, XXXX before me as I was searching for employment. My wife already had a job in XXXX. It was never mentioned that I must show proof of income in XXXX. The loan process continued and I sent in XXXX 's, tax returns, ect. as instructed. I then paid {$550.00} for an appraisal that occurred on XX/XX/XXXX at XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX and was told they needed my proof of income in XXXX. I stated, again, I would be living in XXXX, rent free, while I continued to look for employment. I went back and forth with the bank and eventually the VP of underwriting said my financing would not be approved. The financing was denied even before the appraisal results had come back. I requested a refund for the appraisal and home inspection ( {$300.00} ). I was told the inspection would not be refunded because it is required and the appraisal refund would be requested. I was told my appraisal would not be refunded because the bank did nothing wrong. I disagree with this decision and I believe the bank was deceptive by allowing me to pay for a service when they had no intention of financing this loan. I also believe they acted unfairly by never making sure I 100 % understood that financing while living in XXXX was off the table. I ca n't believe they would have the audacity to pre-approve me, take {$550.00} from me and then approximately two weeks before the scheduled close date inform me they will not move forward with the loan. I would like XXXX XXXX to refund my appraisal in the amount of {$550.00}. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile. 
This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence.
Product: Credit reporting or other personal consumer reports

I week ago I get a call from Bank of America regarding a financial request under my name. I was instructed to return that call to XXXX. They also gave me a case reference number. I didn't apply for a credit card from this bank. 
When I checked my XXXX report, I had a new credit inquiry from Bank of America ( XXXX XXXX XXXX XXXX XXXX Texas, TX XXXX Phone number ( XXXX ) XXXX on date XX/XX/2024. 
I called back the first number and gave them my name and case reference number, and I was told that they had made a mistake cause they misspelled my last name when someone else was applying for a XXXX Credit Card and they will sent a letter to XXXX. I'm not even sure whether that number is legit or a scam. 
I call XXXX and request them to issue a fraud alert on my credit report.
Product: Credit card or prepaid card

In late XX/XX/XXXX I purchased an XXXX  Washing Machine from Home Depot and used their special promotion letter that was delivered USPS Mail. The Promo said No Interest for 18 months when purchase is over {$500.00}. The Washing Machine cost {$590.00} but my XX/XX/XXXX Statement was very Confusing showing Purchases {$1700.00} then a credit for {$1100.00}. No one could explain to me on phone call, Why it was accounted in this manner? 

Sometime in XX/XX/XXXX after being pestered each time i logged in to my home depot credit card account website to Go Paperless, I switched from paper statements to Paperless.

I didn't even think there might be a problem with this later because I was Told during a phone conversation with the representative who was in the process of Fixing the term error of only 6 months to 18 months as it should've been originally per their promo materials, she told me that the $ XXXX monthly payments I had setup would be applied towards their promo balance First before any subsequent charges i might later make from future in-store or online purchases. 

So, I was confident " at that time '' that {$50.00} per month over 18 months Would've Paid Off their Promotional No Interest Offer for 18months, Long Before 18 months were to expire. 

OK, so now jump forward to present day ; I recently went online to do a checkup on my credit card accounts and noticed on the home depot credit account that I was Charged Deferred Interest of {$250.00} as they are now claiming their phone rep back in XX/XX/XXXX conversation ( the woman who fixed the term to 18 mod ) had incorrectly advised me on how my payments would be applied? 

This sure feels like a Bait n Switch scenario now and I am very upset with Home Depot and Citi Financial Credit Services for the grief and stress now caused by their Backpeddling on this Deferred Interest Charge at 22 % totaling {$250.00}. 

I asked Citi to Credit back my account for the {$250.00} and was told that since its been more than 6 months since the interest was charged, they can not do anything to reverse the charge ... ... ..but they would open a " case ''? 

I have no confidence in Citi or Home Depot at this point and believe the " open a case '' comment was just a tactic to move the call to a conclusion and get rid of me. 

I do not believe the " case '' will have a resolution to the Consumer 's Benefit as they have mislead me ( the consumer ) from the beginning. 

We already Know they make errors from the incorrect 6 month term they tried to setup After buying the item, when their promo clearly stated 18 months. 

Citi Financial should be investigated for Bait n Switch fraudulent mishandling of consumer promotional offer and usurious illegal deferred interest charges. I doubt I am the only consumer this has happened to either! 

Please make this unscrupulous bank and store re-imburse/credit back my home depot credit card as soon as possible. 

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

Last year I discovered a false account with US DEPT ED and US DOEXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB CARD XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I previously contacted capital one to pay the quicksilver card in full for the amount of XXXX but the payment would have to be delivered by mail. I sent the letter containing the case number and a check for the full amount on XX/XX/2023 through USPS certified mail with a XXXX business day ETA. The letter was stuck in transit for over XXXX weeks and I sent out another mail containing the exact same things. The original payment was due on XX/XX/XXXX but since the letter got lost in the mail the payment was not received. After calling them to confirm the letter was not received and I was unable to pay online or over the phone, all I could do was wait for the check to be received. After their fraud investigation concluded on around XX/XX/2023 was I finally able to pay over the phone. At the time I confirmed with the representative that no interest or late fee would be added to the account as I paid the account in full for XXXX on XX/XX/2023. Now as of XX/XX/2023 I was alerted that capital one said I had an outstanding balance of XXXX due to paying late.
Product: Bank account or service

I received a promotion from American Express for XXXX Membership Rewards points for spending {$4000.00} in 90 days. I completed the criteria for the promotion, the XXXX points posted in my account but they are frozen and I am unable to use them. I called to make them aware and they said it would be under review for XXXX8 weeks ( would not explain why ). I called back again after 8 weeks and they said it would still be a longer period of time that they 're under review. The points are sitting in my account but for some reason I 'm unable to use them, they still will not tell me why. I am trying to book a flight for XXXX and use these points. I 've spent countless hours waiting on hold for supervisors and explanations and have not gotten anything of substance. This is my last resort
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from one of my credit cards than my credit score, monitored by XXXX, had tanked XXXX points. 

I logged in and was informed of a " Derogatory Account '' reported by Credit Acceptance Corp reported on XX/XX/XXXX for an account balance of {$32000.00}. 

I have no idea what this charge is and I currently do not have an auto loan with this company. 

I disputed it via XXXX and also contacted Credit Acceptance Corp who recommended that I fill out this form.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN continues to add a false collection debt to my report. Earlier this year is was from one collection agency ( XXXX XXXX XXXX ), and now the same FALSE debt is showing up again from XXXX XXXX, another collection agency. I have NEVER had any relationship with the company that they say it was originally owed too. The $ XXXX debt was false with the previous collection agency and it continues to be false with this one. I can't be filing complaints for life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter for incorrect information XX/XX/2021 and the credit bureaus have not replied in the 30 days. I am requesting an investigation into this matter. 
I disputed the following items to be removed from my credit file from XXXX, XXXX and Experian. 
Incorrect names Incorrect addresses Past employers inquires that are outdated Debts that are not mine : XXXX : {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$710.00}, XXXX {$10000.00} Several Inquires XXXX XXXX ( 4 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX  ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) I am requesting these items be removed I am requesting these items be removed from my credit report
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 card or prepaid card

Had contact the company to eliminate continue high fees ..proposed an offer to pay off credit balance that has never go down ... .the account has been closed for years ..the interest rate should have decreased due to no activity of usage. I had similar credit cards I used to borrow cash money for college expenses. I graduated back in 2011 and this credit card is the one that I am still paying today with a balance of XXXXI do n't have anymore credit cards they all were payoff like XXXX card..XXXX  ... XXXX XXXX XXXX..When I will stop paying this credit card the balance is still the same ... this is crazy!
Product: Checking or savings account

My CIT Bank IRA CD matured on XX/XX/2020. It contained {$40000.00}. I opened an IRA account at the XXXX XXXX XXXX and had the credit union complete a form instructing CIT Bank to transfer the IRA funds to my account at the XXXX XXXX XXXX. CIT Bank gave me specific instructions on how to complete the transfer form. 

XXXX XXXX XXXX prepared and signed the form, as did I, with the information provided by CIT Bank. I faxed the form to CIT Bank ( the credit union said they would have to mail it ) and confirmed that the form was received by CIT Bank. CIT Bank informed me that it had mailed a check to XXXX XXXX XXXX on XX/XX/2020 and closed my account. CIT Bank informed me that the check was mailed by first class regular mail with no tracking number and that it should be deposited by XXXX XXXX XXXX within 7 to 10 days. 

It is now 15 days since the check was mailed and XXXX XXXX XXXX claims that it has not received the check. I have been trying to reach CIT Bank 's toll free customer service number at XXXX for days, multiple times per day. The phone is answered by a recording that directs callers to a menu to select an option. To speak to a customer service agent I touch 0 and always get a message stating that " Your call can not be completed as dialed. Please check the number and call again. '' Even when I select option 1 to open a new account, I get the same message. 

This is not normal. I am able to send a message regarding my account and sometimes get a response, but I want to talk to someone who can tell me the CIT Bank number on the check and whether it has been cashed and what to do next. I am at a loss and also anxious about the whereabouts of my {$40000.00}. I am XXXX years old and that is my retirement savings. Please help me. I want to talk to a live person at CIT Bank. If I can't get through, I am sure no one else is able to.
Product: Vehicle loan or lease

I have an issue with Exeter Finance not removing the hard inquiry due to the fact that I have paid the remainder of the debt to the third party they have sold the debt to. Under the CFPB, I demand this hard inquiry be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specially 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 regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I was involved in multiple data breach in which all of my information was leaked. My social, debit and credit cards and other types of personal information were all apart of this breach and now since my accounts have been closed and while this was going on i have been taking it hard in life losing my car in two accidents back to back. After dealing with injuries from the car accident i am finally ready to get back on my feet only to go to the dealership and find out i dont qualify for even the cheapest car. I ordered a copy of my credit report and finally understood why the data breech paperworks came in, money would just disappear but i never thought it was effecting me i just thought it was something sent to everyone who maybe affected by the incident. i tried to dispute these through the credit bureaus and they did not remove them i contacted the banks already and contacted the credit agencies told them i would be filling a cfpb complaint and ftc report and sending in all the proof i have towards this issue [ i will be uploading that proof here as well ] One of the data breaches i was apart of offered Credit services which i took ( XXXX ) i will also be uploading from there as well.
Product: Checking or savings account

On XX/XX/XXXX I was alerted by Bank of America for fraud activity on my account. Once I told them I wasnt the one who made those transactions my account was froze/closed. I told them my check was going to be deposited into my savings account XX/XX/XXXX. I was told by BOA that my check most likely would be rejected because the account was closed. That turned out to be a lie my check was allowed to go into my savings account. I was in constant contact with BOA fraud department trying to get my money. I was told the investigation end date was XX/XX/XXXX. While waiting for updates on the investigation I discovered someone hacked my XXXX XXXX account and was trying to take {$1500.00} from my bank account. I informed the bank but there wasnt much done with that information. Up until this point my savings account had {$1200.00} and my checking had about {$30.00} or {$40.00} dollars in it. Today when I talked to them ( XX/XX/XXXX ) They told me my checking account was negative {$1500.00}, which was the exact amount that the person tried to take from me via XXXX XXXX I told them over and over again the transactions were not made by me I have proof of it. They told me the money in my savings account was going towards the negative amount in my checking account. I argued with them about how it wasnt fair that I was being punished for fraud activity in my account. Im having to pay for transactions that wasnt made by me. A whole paycheck is gone because Bank of America wont refund it to me. I have been through this month long process in hopes that I would get my money back just to find out BOA is keeping it. Also how could someone take {$1500.00} from a account that never had that much to begin with?