23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I spoke with XXXX, a floor supervisor for Ally Bank. She stated that Ally does not have an opt in/opt out feature for overdrafting your account. As a consumer, we have the right to not allow our accounts to overdraft. Because of this lack of oversight, I have received {$350.00} in overdraft fees since XX/XX/XXXX. When I asked for them to be refunded, I was told the best they could do would be to refund {$100.00}. Because I wasn't given the option to opt out of overdraft, as per the requirement stated in 1005.17 ( b ), those fees should be invalid. Ally had stated that the program that allows you to cover overdrafts via another account was sufficient, but according to 1005.17 ( a ) ( 2 ), the term overdraft service does not include any payment of overdrafts pursuant to : A service that transfers funds from another account held individually or jointly by a consumer, such as a savings account. Due to this oversight, the following overdraft fees should be credited back to my account, as well as any customer that has incurred such fees/possible punitive damages in order to deter future oversight : {$25.00} XX/XX/XXXX {$25.00} XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX {$25.00} XX/XX/XXXX
Product: Vehicle loan or lease

WELLS FARGO DEALER SVC XXXX XXXX XXXX XXXX, NC XXXX DATE OPEN XX/XX/XXXX, charged XXXX XX/XX/XXXX WELLS FARGO DEALER SVC has committing XXXX  XXXX and XXXX XXXX and holding back my title to XXXX XXXX XXXX have taking Securities out in my name without my consent.WELLS FARGO DEALER SVC has used my name without my consent which is identity theft. All debt is repaid and paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I requested for these companies to provide me proof of signature in XXXX ink that I owe & agreed to pay the alleged debts. These companies failed to provide me any written contract for me to pay these debts. The companies have also violated HIPPA laws and my rights by collecting my medical information without my consent. I demand that they seize & remove these accounts from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to XXXX ; XXXX   and Transunion the verbiage on the XXXX XXXX   account number XXXX. ( Please see page 3 of the attached credit report. ) The current explanation is as follows : XXXX XXXX Account Foreclosure, etc. This language is inaccurate. This account was sold, NOT foreclosed. It is extremely important that the language being conveyed is accurate. This incorrect reporting is harming my credit score and I respectfully request that this language be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Product: Checking or savings account

Citi advertised a {$400.00} promotion offer for opening a checking and savings account with their branch if conditions were met. 

I received a confirmation that I enrolled in the offer on XX/XX/2020. ( See attachment 'Exhibit A ' ) The terms for the {$400.00} checking offer were : 1. Deposit {$15000.00} or more into the new Citi account ( s ) within 30 days 2. Maintain a minimum balance of {$15000.00} for 60 consecutive days.

The bonus should appear within 90 calendar days from the date conditions were met. I double checked the Terms and Conditions to confirm I was not disqualified for anything else. ( see 'Exhibit B ' ) I completed the {$15000.00} deposit on XX/XX/2020 and received a confirmation of this from Citi XXXX see 'Exhibit C ). I then kept the minimum balance required to this date. 

I made a call on XX/XX/2020 to Citi. The rep told me all requirements were completed as of XX/XX/2020 per their internal records. He said I should expect the bonus by XX/XX/XXXX. 

I called again on XX/XX/2020. The agent XXXX XXXX XXXX again confirmed I had met all the requirements and he wasn't sure why the bonus wasn't being paid out. This agent said a possibility was not filling out a W-9 form when I opened the account, but this is a request for an ITIN/SSN from the government. This doesn't make sense as I opened the account in the US with my SSN. 

XXXX XXXX + 60 days + 90 days is XXXX XXXX. The bonus should have been paid out by this date but it is clear there is a mix-up at Citi and no I talk to knows why.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct the inaccurate reporting of late payments on my credit report for the account Account Number : XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/year> and XX/XX/year>, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information reported in consumer files. In my case, this requirement has not been fulfilled, as the same errors regarding late payments have persisted across multiple disputes.

Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account indicates that this requirement was not followed. 
TILA Violations The Truth in Lending Act requires accurate and timely disclosures to consumers. The inaccurate reporting of late payments on my XXXX XXXX account has caused unjustified harm to my credit score and financial standing, violating these obligations. 
Protection Against Non-Payment of Obligations Act ( PAANL ) The Protection Against Non-Payment of Obligations Act ( PAANL ) also reinforces creditors ' responsibility to issue timely billing statements to avoid unfair penalties. The errors in my accounts late payment reporting show a failure to meet this requirement, leading to unjust consequences. 
Pattern of Inaccuracies The discrepancies in late payment reporting across all three credit bureaus show a pattern of inaccurate information. These errors are causing harm to my credit score, despite my previous disputes. The information reported by TransUnion, XXXX, and XXXX is not only inconsistent but also incorrect. 
I formally request that these errors be corrected and removed from my credit report immediately. If these issues are not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action to protect my consumer rights.

Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX {$73.00} CERTIFIED CREDIT REP Inquired on XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

These accounts are being disputed because they are not mine and are in my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. SOUTHWEST CREDIT SYS Balance { {$830.00} }
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a bankruptcy with docket # XXXX which is not accurate. They are the only credit report showing it.
Product: Credit card

I requested to know why my account was closed and they told me it was because my credit score was a XXXX and my credit wasnt a XXXX it was a XXXX but they closed my account and I couldnt pay it through the app or online. So I called and they sent me a link to pay through phone and the link did not work. So I called again and I was told there was nothing they could do. They then charged me a late fee and marked my account with a missed payment that I know will be marked on my credit history. Even after I payed about half of my account off.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 5 years I have been requesring a copy of the signed and dated permissible permission used by Experian and XXXX XXXX XXXX XXXX ( XXXX ) to access my credit report in XX/XX/2017. I require this to use in court of law. HOWEVER, Experian refuses like a " hot potato '' and sends to XXXX who labels requests as duplicates or sends me requests for more of my personal information to do a fraud investigation. WHEN I was just requesting a valid copy of the permissible permission. WHY are Experian and XXXX ignoring and refusing me the valid copy of this permissible permission?????????? If neither have it, just come clean and tell me instead of acting like childish attorneys.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting improper use 15 US 1681 section 2 states I have the right to privacy In accordance with the fair credit reporting act XXXX has violated my rights.

15 US 1681 section 2 states a consumer can not furnish a account without my written permission 15 US 1666 B : A creditor mXXXX not treat a payment on a credit card account under any circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS ARE CLOSED AND REPORTING AS DEROGATORY ON MY CREDIT REPORT. THEY ARE NOT LIABLE TO ME AND I WOULD LIKE TO HAVE THEM REMOVED.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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! 


15 USC 1666b ( 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 XXXX days before the payment due date. 


XXXX 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
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 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 was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 received XXXX XXXX Services from a company in XX/XX/2016 while being covered by XXXX & Maryland XXXX. For some reason, 3 years after the services have been rendered, my Transunion credit report has been reporting that this creditor has reported that I owe a balance of {$690.00} due to non-payment. In an effort to resolve this issue, I have contacted both the creditor and Transunion, while submitting copies of my insurance cards in order to support that I am not delinquent. To no avail, this creditor and Transunion continue to report this delinquency
Product: Credit reporting, credit repair services, or other personal consumer reports

USING THE DISPUTE PROCESS FOR CREDIT REPORT ISSUES DISPUTE ISSUES : CUSTOMER SERVICE CAN NOT CONTACT ANYONE FOR HELP. EVERYONE AT EQUIFAX IS UNAVAILABLE. 

SENT 2 DISPUTES BY US CERTIFIED MAIL. BOTH WERE RECEIVED AS CERTIFIED BY USPS. WHY 2? 
FIRST SENT/RECEIVED XX/XX/2019 -- XXXX. 
SECOND SENT/RECEIVED XX/XX/2019 -- -- XX/XX/2019 SPENT 2.5 HOURS ONE DAY AFTER BEING 8-10 TIMES FROM NEVADA -- XXXX -- XXXX XXXX -- -- XXXX . ASKING FOR STATUS OF DISPUTE, AFTER 45 DAYS IN THEIR POSSESSION. 

SPENT OVER 3 HOURS ANOTHER DAY AFTER SENDING SECOND DISPUTE LETTER. SAME LOCATIONS, NO HELP PERSONNEL COMPLETELY INEPT! SEEMED UNABLE TO VERIFY ANY INFORMATION. SECOND DISPUTE WAS THERE FOR 9 DAYS. 
COULD NOT OFFER ANY ADVICE OTHER THAN TO SEND A THIRD ( 3rd ) DISPUTE!!!! 
EQUIFAX CAN'T FIND MY CERTIFIED MAIL I FEEL THERE IS NO ACCOUNTABLE EMPLOYEES AND MY CONFIDENTIAL INFORMATION HAS BEEN MISPLACED OR STOLEN. 
EQUIFAX HAS A POOR RECORD WITH SECURITY ... .RIGHT?
Product: Credit reporting or other personal consumer reports

Reprise Fincial/webban 02/21/2025
Cap One Autofin via dealer 03/27/24
Navy Federal Union 02/20/2025
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is related to an American Express Business Credit Card. I have been enrolled in a credit monitoring service for years. I never received any notification of a credit application, or an account in my credit report, nor did I ever receive a card, bill, or notice. Out of nowhere, I get dinged by AMEX and my credit score drops 160 points for a credit card default of {$15000.00}. I call AMEX and they will not provide me with any statements, any mailing address/email address information on the account, or if any payments had ever been made and by whom they were made. They tell me that I am personally liable for this debt. They also told me that AMEX Business Credit does NOT report to any credit agency UNTIL an account is in default. In this day and age, how is this possible? There needs to be some regulation that any credit account ( personal or BUSINESS ) that requires the credit bureaus be notified of an application AND the account posted to the " guarantors '' credit report. AMEX is NEGLIGENT in this matter. They need to remove this debt from my credit report, and my credit score needs to be reset to it's prior value immediately.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputes items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am in the process of trying to buy a house and pulled my credit report and noticed unauthorized inquiries on my report so I sent a letter to the credit consumer and didnt receive any updates. I had damages on my credit report and according to the 15 U.S.C 1681 any damages on my report is a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 XXXXXX/XX/2022
Product: Money transfer, virtual currency, or money service

So I used square XXXX for a couple of days I am a XXXX  technician and I charge customers on services provided. Square sent me a verification email and I verified my business license and all services provided. I got no response from them and they deactivated my account and said will get my {$2000.00} transfers on XX/XX/XXXX. I have many expenses in my business and this money would really help. How can they suddenly deactivate my account and stop me from taking my money for the services that I provided?
Product: Credit reporting

For the past sixty days I have disputed accounts with Equifax that they claim are verified as belonging to me. In XX/XX/XXXX I disputed both XXXX and XXXX XXXX by mail with Equifax and both came back verified. I then did a follow up dispute requesting the method ( s ) of verification on XX/XX/2016 for XXXX and XX/XX/2016 for XXXX and my requests were not honored. The letter states the accounts were verified but no other information is in the report, which is a violation of my rights as a consumer. It is my right to get a detailed report on who they contacted, phone numbers, dates, etc. Instead they only tell me the accounts were verified but not any detailed information which is my right as a consumer. They are destroying my credit!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I did not consent to, authorize or benefit from the following inquiries. Pursuant to 15 USC 1681c-2 ( a ) " 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, not later than 4 business days after the date of receipt by such agency. ''
Product: Debt collection

In reference of complaint # XXXX. I found the receipt letter this collection company sent me back in XX/XX/2022 indicating that they informed XXXX, XXXX and XXXX to delete this account ( attached ). 
Obviously they have failed to. They still reporting this account and their stall tactic is that they are not able to find the account in their file. How come you can find the account to report it in my consumer report?