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

On the existing account ending in XXXX with XXXX  XXXX XXXX for the amount {$1700.00}. I tried several times reporting the issue that this account does not belong to me. The account doesnt not even have the correct spelling of my name and doesnt have the correct phone number.
Product: Credit card or prepaid card

I had an XXXX Visa card with XXXX XXXX. On XX/XX/2021 the account was changed over to Barclays Bank. 
On or about XX/XX/2021 I received a mailing from Barclays explaining the change from XXXX to Barclays. 
I never received a replacement card from Barclays. I attempted to call them twice during regular business hours, but never got to speak to anyone. I was on hold for a little over one hour each time. The automated menu had a selection for " lost or stolen card ''. After choosing that I was put on hold indefinitely. 
I have never received a statement from Barclays since the XX/XX/2021 change. They have my address. 
I had a recurring charge I had established through XXXX that I keep getting charged for. I don't know whether I am being charged for other charges. 
I do not know my credit card number with Barclays. I do not know what I am being charged for on my account. 
When visiting the Barclays website, I can not sign in. The site just wants me to activate my card. I don't have a card to activate.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX, XX/XX/XXXX for XXXX, XXXX -- XXXX payments. My credit was not good at the time so I ended up with Santander with their 24.99 % interest rate. My payments are XXXX a month and as of today, I still owe XXXX with a buyout for XXXX. How is this Ok and how is this legal? Seems to me that I will never pay it off. Though the interest was high, I was not having trouble making my monthly payments at that time. Then there were times when money was tight where I missed payments, I called Santander, and they approved 8 extensions different times ( moving that particular months payment to the end of the loan therefore extending time to maturity ). Which brings it to XXXX payments. This worked for the months that I needed the extra money to pay off medical bills. I owe more than the car is worth. Something is not right. I checked the XXXX XXXX XXXX, which is attached, along with my statements. I would like to settle with what the XXXX XXXX XXXX is offering. 

XXXX XXXX XXXX XXXX MILES XXXX MONTHLY PAYMENTS XXXX OWE XXXX, XXXX BUY OUT
Product: Credit card or prepaid card

The company denied my request to remove the two credit accounts opened fraudulently from my report, because they claim both accounts were linked to one of my home addresses and phone number. Which is true, but I had no idea of these accounts being opened. My personal information was used on my behalf. Any phone conversations were also made on my behalf without me knowing, using my personal information, which can be found through the searching of public records. I have no knowledge of speaking with capital one verbally at any point since the account has been opened. The company agreed to close the accounts, but still would not remove the alleged debt for these reasons. I repeat, I had no knowledge of these accounts being opened and any recorded conversations with capital one wasn't me, but instead someone speaking on my behalf. Capital one agreed to close the accounts. I don't understand why they won't remove them from my report as well ( it is negatively affecting my score ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I attempted to transfer XXXX XXXX dollars ( {$1000.00} ) from XXXX XXXX   through XXXX, the money was never received into the account in which it was supposed to be deposited into, my joint account with XXXX  XXXX XXXX. I have used this service many times with smaller amounts and the transfer has always been successful. I have contacted every institution that has connection with this issue ( XXXX, XXXX, XXXX  XXXX XXXX and Citi Bank ). My visit to XXXX  XXXX XXXX, information disclosed that the money was sent to Citi Bank. We have never had an account with Citi Bank, so we tried to reach out to Citi Bank and I was redirected to the XXXX for service. I spoke with XXXX who said there is nothing she can do without an account. I explained to her the situation and she refused to help. I asked if I could speak to manager, she stated that the manager would tell me the same thing and refuse to allow me to speak to manger and this took place on XX/XX/XXXX early morning. I contacted XXXX and claim was filed three time and they denied each time. XXXX disclosed that Citi Bank was involved but could not and would not give me any information regarding the money being sent to Citi Bank. I asked if they could investigate the account that it was sent to and they refused to help. I spoke with one XXXX who is the claims supervisor who was very rude stating its not their problems and basically do what I need to do without there assistance. I cant believe they would have someone representing XXXX XXXX  in that matter. All of the claim agents from XXXX XXXX  was insensitive to the {$1000.00} dollars in limbo through this murky banking triangle. I have been speaking to XXXX daily since XX/XX/XXXX regarding this matter and no one as of today has been able to help me. I would like to officially file a charge with the employees of this department and do whats necessary so that no one else will ever be subjected to this rude and insensitive behavior and lose money this way.
Product: Checking or savings account

XXXX. Opened a no-penalty CD around XX/XX/2023 ; XXXX. Closed the non-penalty CD around XX/XX/2023 ; and XXXX. Did not receive the full interest earned upon CD closure. 

I called customer service several times regarding the lost interest earned. The lost interest was significant. CSR told me that tax was withheld but I did not choose to withhold tax at withdrawal when the CD was opened. The lost interest amount was even greater than the associated " taxes '', assuming it was withheld. 

I asked XXXX for the signed XXXX XXXX trying to show them I did not choose to withhold taxes. XXXX said that they could not provide it since my CD account had already closed. 

They created a couple of tickets to address but the contents of the tickets misled.
Product: Credit reporting or other personal consumer reports

Submitted a complaint for a duplicate account that is reporting on my credit report. In addition to the account being a duplicate and a result of the Covid 19 disaster, company was unable to provide proof that they complied with 15 U.S. Code S 1666b - Timing of payment Creditor can not treat a payment account under and open end consumer credit plan as late for any reason unless creditor has adopted reasonable procedures to ensure that each periodic statement includes information required by section 1637 ( b ) of this title is mailed or delivered to the consumer no less than 21 days before the payment due date Creditor never sent the notice.

This late payment should be removed from the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/DEPT of ED # XXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the unfair and potentially unlawful credit reporting actions taken by XXXX XXXX XXXX XXXX regarding the remaining balance on my auto loan after my vehicle was totaled. Under federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I believe my rights are being violated due to the following reasons : XXXX. Unfair Reporting of Late Payments Despite Payment Arrangements On XX/XX/XXXX, I discovered that XXXX XXXX XXXX XXXX had initiated an unauthorized transaction of {$410.00} from my account, reducing my remaining balance to {$1300.00}. Upon contacting your institution, I proactively made payment arrangements to pay {$150.00} on the XXXX of each month. Despite this agreed-upon plan, I have been informed that my account will still be reported as delinquent due to the non-lump-sum payment. This practice is deceptive and goes against 15 U.S. Code 1681s-2, which requires accurate and fair credit reporting.

2. Failure to Provide Proper Notice of Adverse Credit Actions If you intend to report my account as late despite my compliance with the agreed-upon payment plan, you are required under 15 U.S. Code 1681m to provide proper notice of adverse credit reporting decisions. I have not received such notice nor an opportunity to dispute this in good faith before it affects my credit report.

3. Potential Unauthorized Debit Transaction The withdrawal of {$410.00} from my account without prior authorization may also constitute a violation of the Electronic Fund Transfer Act ( EFTA ) under 15 U.S. Code 1693, which protects consumers from unauthorized transactions. I request full documentation proving my consent to this transaction.

Requested Action I am requesting the following actions be taken immediately : Cease and desist from reporting my account as delinquent since I have been making payments as agreed upon. 
Correct any inaccurate reports already submitted to the credit bureaus. 
Provide a written confirmation that my account will not be marked delinquent as long as I continue to make my agreed-upon payments. 


If my request is not resolved within 30 days, I will have no choice but to escalate this matter by filing the Federal Trade Commission ( FTC ), and my state Attorney Generals office. I reserve the right to seek legal remedies if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX TODAYS DATE:XX/XX/XXXX IN RESPONSE TO CFPB : XXXX RE :  Request for reinvestigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiry have been made. 
I contacted each creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an REinvestigation into XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXXational Credit Card Cos. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All BankXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Personal Loans Cos inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX Address:XXXX XXXX XXXX XXXX, XXXX XXXX , fl XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is EXPERIAN 's duty pursuant to the FCRA to be reporting correct and accurate information to my credit report and file, however they are NOT. EXPERIAN is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted XX/XX/2023 and a 60 day late payment posted in XX/XX/2023. These are incorrect and supposed to be reported PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am filing a complaint against Experian and XXXX XXXX XXXX XXXX. An inquiry ( listed below ) was placed on my consumer report without my consent. I filed an FTC report ( # XXXX ) and sent Experian a letter demanding they remove the inquiry. Still as of today the XXXX of XX/XX/XXXX. Approximately 3 months after the initial letter was sent, the inquiry is still on my consumer report. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Pursuant to 15 U.S.C 6802 ( a ) NOTICE REQUIREMENT Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Pursuant to 15 U.S.C ( b ) ( 1 ) ( A ), ( B ) ( C ) A financial institution may not disclose nonpublic personal information to a non-affiliated 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.

I was not given this disclosure to opt out, and I am demanding Experian remove the above inquiry from my consumer report, immediately.

Attachments : the cover letter sent for Inquiry removal FTC report filed Green receipt from Experian I suggest Experian remove this inquiry from my consumer report before I take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights XXXXThe Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights 2- ( XXXX XXXX/ACCOUNT XXXX XXXX ) Has violated my rights 3- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 4- ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 5- ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights 6XXXX ( XXXX XXXX  XXXX XXXX XXXX ) Has violated my rights 7- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX   XXXX account for months. XXXX and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Against Equifax Subject : Failure to Conduct a Manual Review of Dispute as Requested Use of E-Oscar System Summary of Issue : On XX/XX/2024, I filed a dispute with XXXX regarding inaccurate information on my credit report. I explicitly requested a manual review of the disputed information due to the complexity of the inaccuracies and submitted highlighted copies of my credit report with the incorrect information clearly marked. However, Equifax processed my dispute through the E-Oscar system rather than conducting the manual review I requested, which violates my right to a proper investigation. The response I received from XXXX was unsatisfactory, vague, and did not address the specific questions I raised. 
XXXX Response : XXXX used the E-Oscar system to electronically send a notification of my dispute, including a summary of relevant information, to the furnisher of the disputed information. In their response, Equifax stated : THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION, AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY ... Equifax MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. 
This response failed to address my specific request for a manual review, and Equifax provided a generic response about their standard procedures rather than directly answering the questions I posed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

Nearly 3 billion people hacked in XXXX XXXX XXXX breach XX/XX/year> 2024
Product: Money transfer, virtual currency, or money service

XX/XX/2021 MoneyGram Transfer Online to : XXXX XXXX, for {$15.00} USD to XXXX, XXXX XXXX was transmitted, reference # shown then quickly delete & account blocked as a Plus Member # XXXX customer in good standing treated with the 3rd degree of suspicion when speaking with Supervisor XXXX. 
Previously XX/XX/2021 a transfer to a girlfriend in XXXX ( A gift ) another transaction made online, it should not have been necessary after multiple tries online & the app for me to go to a location, and treated in the 3 degree. The transaction process went through all the steps until 'send payment ', each time getting the error or exception occurred. 
Noone at MoneyGram is willing to addressed the disparity in sending money online to XXXX. As a professional no MoneyGram official is willing to even look into this and offer a comprehensive solution which is discriminatory in nature. 
Unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate information on my credit file regarding a credit card from seven years ago. The balance and account numbers is showing different amounts on each credit bureau report. I have asked this company to send proof that this debt belongs to me and each time they just send a copy of a bill that was generated. That does not prove that the debt belongs to me!!!! I want this debt removed from my credit file and for XXXX XXXX to stop contacting me regarding debt ..... Per the FCRA a collection company has to send proof validating debt after it has been requested or debt is not valid!!!
Product: Debt collection

We have not had XXXX since XX/XX/XXXX, they are saying we opened account with XXXX on XX/XX/XXXX for the amount of {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, Equifax and XXXX a certified letter advising that XXXX XXXX mandated they remove ALL payment history prior to my bankruptcy chapter XXXX and there are MULTIPLE inquiries I did NOT authorize and would like them removed as well as payment history. All they did is add BANKRUPTCY FILED to my XXXX CLOSED ACCTS with XXXX then knocking my credit score down XXXX more points. This bankruptcy was filed XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. So to add that comment now after over XXXX yrs is irrelevant. AND REFUSE TO REMOVE INQUIRIES I DIDNT AUTHORIZE AND indicating I have XXXX student loans when I consolidated into XXXX in XXXX if XXXX. I have proof all XXXX credit bureaus received my certified letters with signature required. And have done more damage now to my credit.
Product: Credit reporting or other personal consumer reports

I am writing to follow up a complaint regarding the persistent and unresolved issue of fraudulent items on my credit report, despite my numerous attempts to rectify the situation. This letter marks my XXXX attempt to address and resolve the matter, reflecting my ongoing frustration and the significant distress this issue has caused me. 
Despite my repeated efforts and adherence to all required procedures, the fraudulent items have not been removed, adversely affecting my credit score and causing undue stress and inconvenience. I request immediate action to investigate and permanently remove the fraudulent items from my credit report. Additionally, I seek a confirmation letter stating the removal of these items and the rectification of my credit report. I expect a prompt and thorough resolution to this matter and a written confirmation. Kindly help me remove the following items immediately : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX ; XXXX XXXX XXXXXXXX XXXX  Balance : {$680.00} ; XXXX XXXX  XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX.