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

Experian is reporting an inaccurate account on the consumer credit report. The original company is a private landlord who received a security deposit and monthly housing payments in advance. The residential lease was not renewed via property price increase. As a result, a move-out notification was provided, the unit was vacated at the agreed date and there were no outstanding rent due upon relocating. This matter was never known until appearing on the credit report. Once known, XXXX and XXXX XXXX XXXX received the following letter : Dear Experian I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number or identifier account : XXXX Source of dispute information : XXXX XXXX XXXX XXXX Type of disputed information : Unknown and Inaccurate credit account/tradeline Dates associated with item being disputed : XX/XX/year> Explanation of item being disputed : o 602. ( a ) / [ 15 U.S.C. 1681 ] Reporting this account violates this section because an alleged housing claim has nothing to do with banking or credit worthiness. REMOVE THIS ACCOUNT o 603. ( a ) and ( d ) ( 1 ) ( A ) - ( C ) / [ 15 U.S.C. 1681a ] Reporting this violates this section because the alleged account has no relation to credit, insurance, employment, or laws outlined in section 604/ [ 15 U.S.C . 1681b ]. 
o 603. ( 2 ) ( A ) ( i ) This alleged account is only a transaction or experience between parties, and not that of an extension of credit or having any relation credit worthiness. The only qualification this account has is " mode of living '' and identification of address. REMOVE THIS ACCOUNT o This account does not comply with the definition of an " account '' expressed in section 903 of the Electronic Fund Transfer Act.

o 607. Compliance procedures [ 15 U.S.C. 1681e ] Reporting this account violates accuracy of reporting. REMOVE THIS ACCOUNT o 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Comply with this request for reinvestigation.

o 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ; 617 ; FDCPA : 813.

Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Reporting this inaccurate account for another 30 days will result in civil legal action in the amount of {$250000.00}. Plus, remedies at the State and Federal levels.

o 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( B ) Residential housing is pre-paid or paid in advance for usage. There was/is no extension of credit, XXXX XXXX, XXXX. In addition, there was no proper service of demand, or Civil judgement rendered for any alleged amount owed. 
The furnisher was informed that this information is inaccurate, yet still made the decision to report. 

I have attached a copy of the email thread. 

Thank you for your assistance. I look forward to handing this matter outside of a courtroom. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I went to a dealership to purchase my car approximately 3 years ago. At the time I brought in a pre approval letter from XXXX  XXXX. I had done all the necessary things before driving XXXX miles to buy the new car. When I arrive to make the purchase the dealership was closing. They came back and told me I was denied the XXXX  XXXX loan but was able to get me a loan with Santander. The place was pretty much closed and I was left there to either sign on to a new loan or walk away with no car. I signed and drove away. The cars value was {$23000.00}. As of now, 3 years later Ive made {$16000.00} in payments ( according to Santander ) and still owe {$27000.00} due to astronomical interest rates. I have the hardest time trying to refinance the car which the car salesmen recommended I do after 6 months. I now see why. By the time Im able to pay off the loan I would have brought the car twice. Ive tried to reach out to Santander and was abruptly hung up on after I mentioned seeking legal advice.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I was locked out of my account to pay bills and when I called to get help, I was promised a 2 month deferment while the company tried to unlock my account. No word, and I was unable to reach anyone who could tell me the problem and/or how to fix it. My car was then repossessed, I was charged insane repossession fees and overdue fees that I could not pay due to being locked out of the account. They took my car, multiple damages were incurred, and multiple items were removed from the car that were NOT returned to me. 

I had to travel an hour and a half to get the vehicle, as well as purchase a new car registration and inspection. When I finally got the car back after shoveling out all the money I had left after layoff from the pandemic, I was able to get the car back and was refused refunds multiple times. Conveniently, my account was then unlocked. Wells Fargo was really awful to me and after all I see in the news, I know I am not the only one who has suffered at their hands. 

I wish I still had documentation, I gave up after several miserable calls and no help at all. In XXXX I plan to refinance the car and leave this company.
Product: Debt collection

This debit has not been verified and put on my credit then taken off after dispute then added back again.
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX - XXXX Account name : XXXX - 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received a call from a Bank of America representative, the day right after my credit card payment was due. This was on XX/XX/XXXX and she had told me that the bank was going to close my account. I had asked them the reason and the associate had told me that they didn't have a reason to do so. I had kept the account in good standing. I then went to my local Bank of America branch and spoke to an associate there who called the Account closure line and we spoke to a very rude employee who said that they were going to be closing my account for no reason. The associates had said that my account had been closed due to account with XXXX   which is a popular stock trading app downloaded by thousands of users. I have done nothing to have my account closed and would like this resolved.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to express my extreme frustration and dissatisfaction with XXXX, XXXX, and Experian for their continual failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Your failure to adhere to these regulations has caused me significant stress and financial hardship. Despite my efforts to resolve the inaccuracies on my credit report, I have been unjustly subjected to high deposits and denied approval for a vehicle. As a veteran who has served this country, I believe I should be granted the same opportunities as any other citizen. 

My identity has been compromised, resulting in erroneous accounts being reported on my credit profile. I have submitted Federal Trade Commission ( FTC ) reports, character witness statements, and police reports, yet these inaccuracies persist. It is clear that your organizations, which profit from consumer debt, are willfully neglecting their legal obligations by refusing to remove these disputed items. 

Moreover, I have observed that your dispute processes have been outsourced to foreign nationals who lack the necessary understanding of U.S. regulations to verify the disputes accurately. When I request the method of verification, I am never provided with details on who verified the information, where it was verified, or the documentation used for verification. For example, how can a company verify a late payment or claim balances on charge-offs? It is unacceptable that I am dealing with negative items on my credit report that I did not create. 

I am aware of the Consumer Financial Protection Bureau ( CFPB ) case against Experian for fraudulently reporting investigations into consumer disputes. This further highlights the misconduct within your organizations. If these issues are not resolved promptly, I will have no choice but to pursue legal action for libel, defamation of character, and violations under the XXXX XXXX and Corrupt Organizations Act ( XXXX ), as it is evident that you are colluding with creditors to extort consumers. 

I demand immediate action to correct these inaccuracies and a thorough review of your dispute processes to ensure compliance with all relevant regulations. Failure to address these concerns will result in further escalation.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$38000.00} Account Name : XXXX XXXX XXXX # XXXX - BALANCE {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Payday loan, title loan, or personal loan

I received through email or a mailing, how to receive overnight {$800.00} which I am pre approved for, so I called and spoke with a man, recalling the conversation nothing was mentioned about the huge payback amount, certainly not this must money he was fast talking and confusing, however strapped for cash I agreed, now For and quickie loan over the phone, which started 1st deposit into my checking account was XX/XX/XXXX, {$800.00} REPAYMENT 1st payment, electronic withdrawal, XX/XX/XXXX, {$300.00} 2nd payment electronic withdrawal, XX/XX/XXXX, {$400.00} 3rd payment electronic withdrawal, XX/XX/XXXX {$400.00} 4th payment electronic withdrawal XX/XX/XXXX {$400.00} which I have now repaid {$1900.00} and have 8 more scheduled payments which means I will have repaid {$3200.00} for the original amount of {$800.00}.

can this be legal??
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Charge-off {$5700.00} XXXX XXXX XXXX XXXX Charge-off {$4400.00} XXXX XXXX  XXXX XXXX Charge-off {$6700.00} XXXX XXXX XXXX XXXX Charge-off {$460.00} However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case! 

LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Crdeit Report! 

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did an investigation to show that the it is fraud. They sent a letter to all the credit bureaus, the other two credit bureaus have deleted this off of my credit. I called Experian and talked to XXXX, yesterday. He was very argumentative and would not allow me to talk to his supervisor until I pushed and pushed and pushed. 
This was disputed on XX/XX/XXXX, and XXXX XXXX sent a letter to me and all the credit bureaus on XX/XX/XXXX. I have uploaded the letter and submitted another dispute. 
I called XXXX XXXX and they told me they " could not help me, because they already did their job. ''
Product: Credit reporting or other personal consumer reports

I noticed several discrepancies in the reporting of an account on my credit report across all three credit bureaus ( TransUnion, XXXX, and XXXX ). the details are inconsistent between the bureaus. Specifically : The last activity date is reported differently across the bureaus : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These dates should be consistent as they represent the last interaction with the account. 
The account closure descriptions vary : TransUnion : " Charged off as bad debt. Account closed due to transfer of balance. '' XXXX : " Account closed due to transfer. Amount balance reported as a loss by credit grantor. '' XXXX : " Charged off account. Account transferred or sold. '' These descriptions create confusion about the actual status of the account and whether it was transferred, sold, or resolved. 
The payment history for this account shows a " XXXX XXXX '' status ( CO ) for multiple months, which I believe is inaccurate because the account was closed. If this account was resolved, this history unfairly reflects negatively on my credit report. 

The reported balance owed is {$0.00} across all bureaus, but the status remains " XXXX XXXX. '' If the account has been settled or resolved, this status should reflect " Paid '' or " Settled. '' The term length is reported as XXXX  months, but it is unclear if this reflects the original terms of the agreement or if there was a modification. 

These inconsistencies are misleading, harmful to my credit score, and do not reflect the accurate status of the account.
Product: Credit card or prepaid card

kept my {$79.00} annual fee. They also kept giving me bad information over  the phone.I receive d   XXXX   XXXX   XXXX   credit card  XXXX  from Bank of America soon after  XXXX   XXXX ,  2017. In  order to get my  XXXX  reward points from them I needed to spend {$1000.00} within 90 days. I quickly spent over {$1000.00}. What I did n't realize was that a {$20.00} return went against this credit card. I watched  XXXX  to see if my bonus points had posted because I was planning a vacation. I called Bank of America on  XXXX   XXXX  to find out where the points were. The representative told me that I only had {$990.00} plus on my account, but that my 90 days were not up and I could make a purchase and get my points. I immediately made a {$10.00} charitable contribution online on  XXXX   XXXX .     I kept being told that my case number  XXXX  was pending. I was promised resolution dates that were miss ed three time s. Today, I was told I would n't get my bonus points and I cancelled my card.     Bank of America charged me a {$79.00} annual fee for this card. It was worth it to me only because of the bonus points.     I spent {$1000.00} on this card within the contractual 90 days. Bank of America did n't give me my bonus points and has kept my {$79.00} annual fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband ( XXXX XXXX ) and I were both listed as co-owner 's on Bank of America accounts with XXXX 's Uncle ( XXXX XXXX ). These accounts were closed by XXXX in XXXX prior to his death on XX/XX/XXXX. These accounts were closed with XXXX balances and per XXXX XXXX XXXX ( XXXX ) Please see the attached letter from XXXX stating " no adverse consumer reporting was generated ''. Please also reference CFPB Complaint ID XXXX. XXXX was unable to answer why these accounts are showing up on my Early Warning Services ( EWS ). The three accounts ending numbers are : XXXX, XXXX & XXXX. The information listed on the EWS report is inaccurate and should be removed.
Product: Credit reporting or other personal consumer reports

XXXX and other credit card companies after XXXX  pulled my credit limit of XXXX within 7 days reported my debt ratio high which lowered my score as XXXX  never reported the card to the credit bureaus before closing the account fraudulently and reissuing three new cards in a week. this is fraud
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to investigate inaccurate items on my credit report and for not providing the specific information I requested regarding how they verified the disputed items, despite my efforts to provide all necessary documentation for identity verification.

On XXXX XXXX, 2024, I mailed Equifax a Method of Verification dispute letter. In my dispute letter, I requested detailed information on how Equifax verified the accuracy of the disputed items on my credit report. Specifically, I asked for ; The date they contacted the creditor and furnisher, The contact information of the creditors and furnisher, The name of the person who verified the disputed items, The method of communication used to conduct the investigation, Confirmation of whether the creditor and furnisher provided my Social Security Number, date of birth, and proof of address.

Additionally, I reached out to XXXX, which is the furnisher of public records. XXXX has no record of bankruptcy on my consumer report ( Consumer Number XXXX, Case Number XXXX ). This raises significant concerns about how Equifax verified the accuracy of the bankruptcy record reported on my credit report. 

Despite my efforts to provide all necessary documentation for identity verification, I have not received any response from Equifax. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. Equifaxs refusal to provide the requested verification details and to properly investigate the inaccuracies has caused considerable inconvenience and distress. The presence of incorrect information on my credit report adversely affects my creditworthiness I am including a copy of my dispute letter sent to Equifax as proof.
Product: Credit reporting or other personal consumer reports

These companies have unlawfully provided my information
without obtaining my written consent, as explicitly required by 15
USC 1681B of the FCRA. It is imperative that you understand that I
do not consent to the unauthorized furnishing of any of my
information by any means, as delineated by my rights under the
FCRA. The accounts are listed below:

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Furthermore, in light of the provisions stated in 15 USC 1692a(2) of
the FDCPA, it is evident that the transmission of information
regarding a debt, directly or indirectly, through any communication
medium constitutes a "Communication." As per the literal
interpretation of "any medium," this encompasses various forms of
communication, be it oral, written, electronic, or others. Therefore,
the act of furnishing my consumer report, which contains
information about the alleged debt, constitutes a "Communication"
under the FDCPA. In accordance with my rights outlined in 15 USC
1692c(c) of the FDCPA, I hereby provide you with formal notice to
immediately cease all further communication pertaining to these
accounts. This includes, but is not limited to, any form of contact
such as telephone calls, emails, social media interactions, or any
communication made through a Consumer Reporting Agency. Please
be advised that any continued contact or communication from your
company or its agents, except for a communication acknowledging
receipt of this letter, will be viewed as a violation of the FDCPA. It is
crucial that you take this notice seriously, as I am fully prepared to
exercise my rights under the law. Failure to respect this cease-anddesist notice will leave me no choice but to pursue legal action
against your company. Please understand that in any ensuing legal
proceedings, I will seek all available remedies and potentially claim
damages allowed. 
XXXX XXXX XXXX XXXX XXXX has violated the Billing Error and Practice Act in pursuant to 15 USC 1666. They never gave me the right to opt-out and are not reporting accurately. I want these accounts updated to paid as agreed and never late.
Product: Credit card or prepaid card

In XX/XX/XXXX capital one put a late payment on my account knowing that I set up direct deposit, I quickly call my financial institution they told me that no payment was processed during that time. I called capital one they said it was a mistake from their end they will figure it out and call me back never heard from them. In XX/XX/XXXX They closed my account and charged it off, I called them the agent told he understands but theres nothing He can do, since then late payment is showing on my report