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

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late. 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 hand written instructions. 

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 or other personal consumer reports

I sent a letter to Equifax requesting them to conduct a reinvestigation on the bankruptcy account I dispute in XX/XX/year>. And XX/XX/year>. Equifax ignored my request failing to conduct a reasonable investigation in the prescribed time frame. XXXX XXXX has deleted all public records off my credit report. The bankruptcy courts has not confirmed and will never confirm. ( See letter ) I sent a letter to Equifax requesting the process they used to verify this information. And what company and telephone numbers and evidence on how they verified. My request were ignored. This has caused major distress and financial harm to me and my family. My delete this account immediately.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I have contacted the agencies several times to update and report the corrected information : The following addresses : XXXX XXXX XXXX, XXXX, Tx XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Tx, & XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tx XXXX is inaccurate, there are several variations of this address as well so this is how you know that this address should not be reporting on my credit report. I am requesting that the item be removed to correct the information : XXXX XXXX XXXX XXXX XXXX, Tx XXXX is the only address that should be reporting on my credit profile. 

Enclosed are copies of a current utility bill for proof of address, social security card & proof of ID. I've been at my current address for the past 3 years. Please reinvestigate this matter and delete or correct the disputed item as soon as possible.
Product: Mortgage

Exactly a year ago I applied for refinance of my current high interest mortgage with XXXX XXXX a US Bank Mortgage officer. My intent was to refinance the current 4.9 % interest to a lower 3.1 % interest Mortgage and take {$25000.00} out for remodeling. 

My credit is excellent and have been sending all the documents required as requested in a timely manner. However, after almost seven months delay, I was transferred to a different loan officer, XXXX XXXX who apologized for the delay and promised to complete the process within weeks. A few months passed and without any notice he transferred my file back to XXXX. 

In the meantime, on XX/XX/XXXX I informed XXXX, XXXX, and the processor XXXX that I have a 0 % interest 2nd loan with XXXX XXXX and sent them the subordination request form that I received from XXXX to allow them to take a 2nd position. However, this was ignored by all of them. 

Eventually about a month ago on XX/XX/XXXX XXXX XXXX the processor contacted me to tell me the loan is in final approval stage and informed me the loan package is set up to pay off the XXXX XXXX XXXX. I made it clear to her that my intent was not to replace 0 % interest with interest bearing loan from US bank. To refresh her memory, I resend the email that I had previously sent to all of them back in XX/XX/XXXX clarifying my intentions for applying. She apologized and informed me that despite my wishes the loan was set up that way and there was nothing that could be done to change it. Despite their negligence, she suggested that I restart the application process from scratch. I then made several attempts by phone and email to XXXX on XX/XX/XXXX attempting get explanation why the error happened and get a better understanding of what can be done moving forward to avoid the same kind of mistake from happening. It has been almost 4 weeks ; he has decided not to respond to me directly. Instead, he keeps sending me multiple confusing applications for me to sign. 

Despite the unprecedented delay in approving the refinance and processing cost incurred as well as high interest payment for over a year, I am still being mistreated. This has certainly been a very frustrating experience. 

On XX/XX/XXXX I contacted the Manager XXXX XXXX hoping offer amicable resolution. However, on XX/XX/XXXX he emailed me back saying the application was closed and his solution was to offer me the {$390.00} refund of my application fee practically denying me refinance with US Bank.
Product: Debt collection

On XX/XX/2017 I sent a certified letter to CBA of Georgia requesting they send me verification of the alleged debt they say I owe. The letter was received and signed for on XX/XX/2017 by a representative of their company. As per the FCRA, I waited the 30 days in which they are allowed to respond, as of XX/XX/2017 I have not received any response in writing or any information verifying this alleged debt belongs to me as I requested in my letter. 

On XX/XX/2017 I sent another certified letter to CBA of Georgia in which a representative from their company signed for on XX/XX/2017 informing them that they failed to respond to my first letter requesting they provide me with verification that the alleged debt belonged to me.on XX/XX/2017 I got a call from a representative of CBA of GA attempting to collect on the debts they alleged I owe. They acknowledged that they received both letters, I asked that they respond to me in writing with the information they have validating the debt belongs to me. The representative stated they will not mail me any correspondence. 
As of XX/XX/2017 I have not received any proof that the debt they allege I owe belongs to me. I continue to receive collection calls from CBA of Georgia.
Product: Mortgage

Initiated loan refinance with amerisave in XXXX 2015, it is XXXX and loan is not closed. My credit my ability to pay and documentation have been provided. The damage to me financially by not closing in a reasonable amount of time ( I consider XXXX days XXXX is at {$1200.00} and counting. This company has now restarted like this is a new loan asking for all same docs already provided and running a hard push on my credit report and ordering a XXXX appraisal on property. I think I am being scammed the interest rate I locked in XX/XX/XXXX is not offered I ca n't move on to another lender because of application fee and appraisal fee I have already been charged and I am not willing to forfeit. 
Please advise
Product: Checking or savings account

I was XXXX  in XXXX, Florida during this time someone had my check card and was using it across the state in XXXX Florida making multiple transactions at the same store at XXXX in various other very high-end items that were completely outside of my normal spending habits. I obtained a burglary report from the XXXX XXXX sheriff department and I was never reimbursed for all of the unauthorized transactions that happened while I was hospitalized in XXXX, Florida. I was on camera in the hospital. I have the bills from the insurance company and it makes no sense why they were approving XXXX or XXXX several XXXX dollars worth of XXXX transactions all at once in one day apart from the multiple other items that were purchased to the tune of over {$7000.00} this was all done by current bank, which is an online bank who claims to be FDIC insured that I never received any type of refund or compensation for my damages
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I went to the bank to apply for a loan to expand my business and I was made aware that I had accounts that were not in good conditions for any lending loans. I look at my credit reports every other day and I knew that could not be true on any new or late payments on any accounts I have on my credit report. I do not have any beneficial interest in these accounts nor did I sign my signature for them, Please remove them immediately from my credit files ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXX 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 XXXX now XXXX homeless XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX : {$1900.00}
Product: Debt collection

around first of XX/XX/2019, i ordered internet thru XXXX  XXXX. i was to be wired! never happened!! they sent me a bill for XXXX. i'm not wired nor do i have a modem! sent by XXXX. no modem no internet! XXXX  leaves a note to contact thru a web site n phone #. it took 3 wks to find and get myself. hooked up no service. in XXXX, XXXX gave their cust service #. i coud n't t find it to call. XXXX i called told them told them never wired, they would to hook me up! i told them not to, since i went back to XXXX. she said it would be cancelled. never was!! ( i would be without internet over 3mo. ) in XXXX, got a bill, i called ask for susper. ( i told cus rep i never got wired up ), after on phone over an hr they just hung up!! same for XXXX and dec. ask for super. hung up on after more than an hr. still a bill comes every mo., am i to pay for service never received??
Product: Checking or savings account

I opened a 1-year CD account with the Citizens Bank XXXX XX/XX/XXXX, when it clearly stated the APY was 5.5 %. I got enough money to meet their minimum requirement. 

And did confirm the rate was 5.5 % multiple times. However, after I opened the account, it showed 5.0 % instead of 5.5 %. I contact the bank immediately to have this one investigated, but not heard anything back. So I called again on the XX/XX/XXXX and told them to just close my account and transfer the money back to me. 

On XX/XX/XXXX, a representitave called me and saying that they will charge me 3 months interest as a early withdraw penalty, and was not able to waive. So I asked to speak to a supervisor. Then the supervisor picked up the phone and I told the whole story to her again. She confirmed their rate was indeed 5.5 % on XX/XX/XXXX, but to some reason, my account was processed based on the rate of XX/XX/XXXX, which was 5.0 %. I told her I did receive the email clearly showing the account has been successfully opened on XXXX Pacific time, even you use eastern standard time it was XXXX, which is still in the XXXX, not the XXXX. I still kept the email and can forward to her, all she said was she can not accept any type of screenshot or emails, she can only open a case again to the back team but usually they won't even listen to your explaination and will just deny the request for no reason. 

I asked her if there is any chance we could reach escalate the case more, and she said there was no more ways to do it.

I was super frustrated as such a big bank just eat customers money and will still charge me penalty for their fault or, I would say this is a CD scam.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is attempting to collect a charged-off debt originally reported by XXXX XXXX. Despite my request for validation, I have sent out a letter XX/XX/year> they have failed to provide sufficient documentation proving the legitimacy of this debt. This is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically : 1. 15 U.S.C. 1692g ( b ) Failure to validate the debt upon request. 2. 15 U.S.C. 1692e Engaging in false or deceptive practices by continuing to pursue collections without providing adequate validation. Additionally, XXXX XXXX XXXX is violating the Fair Credit Reporting Act ( FCRA ), particularly : - 15 U.S.C. 1681s-2 ( b ) Reporting inaccurate or unverifiable information to the credit bureaus, thereby damaging my credit profile. 

Impact on Me Their actions are causing significant harm to my creditworthiness and financial stability, as this debt is inaccurately reported and unvalidated. These practices are unlawful and have negatively impacted my ability to secure credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account opened in my name.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience.

Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 

Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher. 

Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.
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 been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX  account XXXX XXXX 15 USC 1681section 602 A, States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 USC 1681 ( a ) ( I ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

I have applied for XXXX/XXXX Visa and every time I apply they decline because 1 ) Unable to find credit file 2 ) Unable to verify identity. In fact I have received Unable to verify identification XXXX   months in a row. My Name, Fraud Alert Number, Address, all match.

This is the game they play with someone who has a Fraud Alert on your Credit Report ( Your basically treated like a criminal ). You fill out application all information matching credit bureaus and number also matching they ask that I call to process further processes application and eventually transfer me to the Fraud Department. They advise that I will receive a letter and it requestes to call XXXX to further process the application and they transfer me to the Fraud Department again I I hear wait for a letter once I get letter XXXX/XXXX XXXX XXXX XXXX too.
Product: Debt collection

I have filed numerous disputes against this item that is being reported on my credit report. I have lived in XXXX XXXX  since XXXX of XXXX. Lewis McDonnell & Associates has reported that I opened an account XX/XX/XXXX which is false information. Its states that the company is XXXX XXXX but when I contact Lewis & McDonnell & Associates they provide me with a different date. I have asked for information to mailed to me but the company has not done this at all. They provided me with an old address that I moved away from in XXXX in XXXX XXXXXXXX XXXX  Non of there information correctly matches any of my information but they say I would have to file a police report to dispute. Theyre telling me the account comes from XXXX but its been reported to the credit bureau as XX/XX/XXXX so that can illegally affect my credit score. I would like to receive a copy of the original signature. They have a copy that shows a computer draft signature which clearly doesnt match my signature. This company is a fraud and is trying to rip off people by destroying their credit.
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. This left inaccurate and unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such a as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failure to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian neither corrected nor removed disputed items despite the evidence I provided. This has caused ongoing damage to my credit standing. I am requesting immediate corrective action to remove or amend the disputed information/accounts as Experian violates federal law and my rights as a consumer.