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

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of ( XX/XX/year> ) ( XX/XX/year> ) .Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




Open Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed Account : XXXX XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, As stated in the previous complaint, ( XXXX purchased the XXXX XXXX Bank ( XXXX ), XXXX. ( " XXXX XXXX '' ) XXXX credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/2021 ). 
First off, I never gave you written consent nor authorization to purchase my non-public personal information associated with the XXXX XXXXXXXX account. Neither, did I give you permissible purpose to furnish this account to the consumer reporting agencies. During this obvious transaction that was done unethically, I was an uninformed consumer. You have defamed my character, and have affected my livelihood and reputation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2024 **Experian Dispute Department** XXXX XXXX XXXX  XXXX, TX XXXX XXXX : Dispute of Incorrect Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my Experian credit report. My personal information is incorrectly listed, and this erroneous data is adversely affecting my ability to apply for credit.

The information that is incorrect includes the following : **Incorrect Addresses Reported : ** XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, FL XXXX **Correct Address : ** - XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, FL XXXX I have never lived at any of the incorrect addresses listed above. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must ensure the maximum possible accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ).

Additionally, under the FCRA, you are required to investigate and correct any disputed information within 30 days ( 15 U.S.C. 1681i ).

The incorrect reporting of my addresses has caused me considerable distress and has negatively impacted my ability to obtain credit. I request that Experian immediately investigate and rectify these errors by removing the incorrect addresses from my credit report and ensure that only my correct address is listed. 

I also remind Experian of its liability for statutory damages, actual damages, and attorney fees under the FCRA for willfully failing to comply with its obligations ( 15 U.S.C. 1681n ) and for negligently failing to comply ( 15 U.S.C. 1681o ).

Enclosed with this letter are copies of my identification and a utility bill to verify my correct address. Please update my credit report accordingly and provide written confirmation of these changes. Thank you for your prompt attention to this matter. I expect to hear back from you within the 30-day period as required by law. Should you require any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX - Copy of Drivers License - Copy of bank statement
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that the informations are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$94000.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$3100.00}. 


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Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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/XXXX
Product: Credit card or prepaid card

This is two complaints on one form. 

Check XXXX written on XX/XX/XXXX cleared the bank on XX/XX/XXXX though routing # XXXX checking account number XXXX for {$13000.00} to pay on my Carnival Barclays card XXXX under XXXX XXXX. The card number to pay was clearly typed on the check. 

Check XXXX written on XX/XX/XXXX cleared the bank on XX/XX/XXXX though routing # XXXX checking account number XXXX for {$10000.00} to pay on my husbands Carnival Barclays card XXXX under XXXX XXXX XXXX. Again, the card number to pay was clearly typed on the check. 

I checked daily for the payments to post. Finally, called Barclays/Carnival on XX/XX/XXXX at XXXX CST. I spoke with XXXX. I was told he couldn't help me today. He would have to open a dispute for both cards Case XXXX was opened for XXXX 's card and Case XXXX was opened for XXXX XXXX XXXX 's card. XXXX wouldn't promise me a timeframe for call back. Because the payments hadn't posted by XX/XX/XXXX I was forced to make payments for both accounts. Had the payments posted I would have been paid off and we wouldn't have had to make the two payments this month. This is terrible customer service then to put me off further when I called is ridiculous. This was after I had to go to the bank and get copies of the cancelled checks so I would have all this information to provide to them. I have done more than I should have and they are holding on to over {$23000.00} of my money.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable investigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Equifax, alleging systemic 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 Equifax has neither corrected nor removed disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit card

I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

This company updated my account i had with them in the past to late, this account is paid and closed, i was honored a goodwill in XXXX For XXXX, XXXX, XXXX and XXXX, same exact thing the representative told me. so why was my account updated to late for these months, my account was paid out in XXXX now they are reporting late payment for XXXX, XXXX, And XXXX of XXXX this is not accurate and needs to be fixed asap, giving out inaccurate information is against the law and this company can be fined for reporting inaccurate information.
Product: Payday loan, title loan, or personal loan

Hi! I am being double charged a fee already debited by the company, and it also reduced my borrowed amount. I requested the company adjust my loan amount and they declined, stating no double charging has occurred. Please help me!
Product: Credit reporting or other personal consumer reports

account under XXXX XXXX was to be removed as of XX/XX/scrub>XXXX XXXX XXXX  all along due to first dt of delinquency is past 7 years and the repossession has not been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent collections on my credit report I have contacted collection companies and have no responses in obtaining any proof of the debt belonging to me and needs to be removed XXXX XXXX XXXX XXXX Collection opened XXXX XXXX, 2021 XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have seen some credit inquiries reported by XXXX and XXXX XXXX  on my credit report. I have sent both companies letter to get the inquiries removed, never heard any response from neither.
Product: Payday loan, title loan, or personal loan

Covid-19 has caused struggles, and job lost also my family members returning home to my house because work is not available. It is hard to maintain all the people in the household now. I somehow have to deal with 6 family members, much less keep up. I need help. The inflation of everything is unbearable and with everything that is going on I can not afford to pay the loan back .I am asking the company to forgive me and clear the debt please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 FIRST INVST SVC/FIRST added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, FIRST INVST SVC/FIRST has violated my rights as a consumer And Im requesting legal action to remove these inquiries.
Product: Credit reporting or other personal consumer reports

I do not own these debts and have submitted identity theft claims Collections : XXXX XXXX XXXX - {$2600.00} - XX/XX/XXXXXXXX  Collections : Credit Collection XXXX - {$86.00} - XX/XX/XXXX XXXX
Product: Mortgage

This is a variation of the previous complaint XXXX : On XX/XX/2019 I sent a check made out for {$4800.00} to XXXX XXXX XXXX XXXX for closing costs on a mortgage from Loan Depot. I mistakenly made out the check to Loan Depot instead of the title company. On XX/XX/2019 I cancelled the mortgage contract in the manner specified by Loan Depot. On XX/XX/2019 someone cashed the check via bank number XXXX, account number XXXX, routing transit number XXXX. I was contacted by a representative of XXXX XXXX XXXX XXXX on XX/XX/2019 who said he was aware of the transaction and wanted to help. It has been two weeks and no response has been received.
Product: Credit card or prepaid card

I have a fraud charge ( {$98.00} ) that US bank sent me a new credit card for, but never refunded me the money. Theyve told me multiple times they would refund me and they havent. Its been almost 2 months now.
Product: Checking or savings account

This is a continuation of Complaint # XXXX which you said you closed. It is NOT closed for the following reasons and activity. 
1. I am receiving statements from Wells Fargo and it shows the charged off a small amount of money on my fraudulent account. Will my credit be affected by their sloppy business practices?

2. Wells Fargo NEVER provided me with the information I requested that was needed to open this checking account with them.

3. I have received a packet from Wells Fargo ( Identity Theft Repair Kit ) detailing all the numerous actions I should now take because of this fraudulent account they allowed to open. Why should I spend all my time and energy cleaning up the mess they have created for me? What responsibility are they taking financially for the mess they have created for me? I am the victim and have done NOTHING wrong!
Product: Checking or savings account

Hello, I opened a new account with Wells Fargo on XX/XX/XXXX because they had offered a {$300.00} Bonus for opening a new Starter Checking Account. I clicked through an advertisement that I saw online and was taken to the Wells Fargo Sign up page. The advertisement said that you needed to fund the account with a direct transfer within 90 days of opening in order for you to qualify for the {$300.00} Bonus. 

Initially on XX/XX/XXXX I funded the account with {$50.00} and then on XX/XX/XXXX ( approximately 60 days later ) I funded the account with an additional {$1000.00} transfer ( which was the condition that had been stated in the original ad ). 

On XX/XX/XXXX I was then charged a {$10.00} service fee - even though they had said that the fee would be waived if there was at least {$500.00} in the account. 

On top of this, the ad stated that after the initial 90 days they ( Wells Fargo ) would check to see if the conditions had been met and then within 30 days ( after the initial 90 days ) they would credit the {$300.00} into the account. 

I waited the 120 days and then contacted Wells Fargo around XX/XX/XXXX and was told that they have no way of knowing what bonus I was supposed to receive and that I should just keep waiting another 2-4 months and see if the bonus arrived. 

Now it is XX/XX/XXXX - over 6 months after I opened the new account with Wells Fargo and I still have not received the {$300.00} bonus even though the {$1000.00} has been sitting in this new account for the last 5-6 months. 

I don't know what else do do since the Wells Fargo customer support simply acts like they have no idea what I am really even talking about - even though these advertisements are ALL OVER the internet and still exist on the front page of their website today! 

Please help me get my bonus that I deserve and require these companies to have a dedicated team in place to help with this type of Bonus Inquiry since I assume this happens all the time to other people. 

Sincerely, XXXX
Product: Credit card or prepaid card

Sam 's Club advertises their Sam 's Club Mastercard, which contains various benefits for the consumer like 5 % cash back on gas. On their credit card advertising page they focus on the benefits of the Mastercard. They do highlight that the Personal Credit Card ( not Mastercard ) does not get you all of these benefits, BUT they never highlight that when you apply for the Sam 's MasterCard, if you get denied for it, that you will be AUTOMATICALLY applied for their " Personal Credit Card '' which contains none of the benefits.

To further clarify my point. They do indeed highlight that the " Personal Credit Card '' does not contain the benefits of the MasterCard BUT they do NOT highlight that you AUTOMATICALLY get applied to the " personal credit card '' if you get denied for the MasterCard.

This was very problematic in my case because I did not get accepted to the MasterCard offer, and got automatically accepted for the " Sam 's personal credit card '', when I was ONLY interested in the MasterCard options due to the cash back benefits. If I would have known that I was denied from the MasterCard option, I would have never applied for the " Sam 's Personal Credit Card '', since it does not contain the cash back benefits.

After realizing that I got accepted to the " Sam 's Personal Credit Card '' and not the MasterCard option, I called the customer service to ask for clarification on why I got approved for the personal credit card and not the MasterCard, when I thought that I was only applying for the MasterCard option. They ultimately let me know that when you apply for the Sam 's Credit Card online, if you do not get accepted for the MasterCard, then you automatically get applied for the " Personal Credit Card ''. This is something that is not clear when you are applying for this card. Even if you read the small grey print on the bottom of the advertisement page, they never clarify this point. If they would have clarified this, I would have never applied for their card in fears that I would have not been accepted to the MasterCard option, which is the only option that offers cash back benefits. 

Ultimately, after realizing that I got accepted for a credit card that I did not believe I was applying to due to lack of clarity/information on the application and advertising site, I went ahead and canceled my account with them since I was not interested in that card. I do want to note that this all happened in the span of a single day ( XX/XX/2021 )
Product: Credit card

I am contacting your agency because I need your help in disputing some charges done on my Capital One by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate all charges done on my Capital One card by the companies : XXXX, XXXX, XXXX charged last year between XX/XX/XXXX and XX/XX/XXXX. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.
Product: Credit card or prepaid card

I have no online access to this account. I do not have the XXXX credit card, therefore, I can not set up an online account without the account number. I requested a new card two months ago and never received one. This past month I had XXXX when the bill was due and without online access, I could not pay the bill meanwhile XXXX charged me a {$40.00} late fee that they refuse to waive.
Product: Credit reporting or other personal consumer reports

I am writing concerning my credit report, which contains inaccuracies requiring your attention. Specifically, I dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The basis for my dispute is the lack of sufficient information provided by your agency to verify the debt in question. Both XXXX and XXXX, other credit bureaus, have already rectified the inaccuracies in these accounts from their records due to identified errors. I am perplexed as to how your agency has verified these accounts while the other bureaus have updated them. Therefore, I request that you correct these accounts in my credit file as they are inaccurate, erroneous, incomplete, or unverifiable.
Product: Debt collection

This account or loan was made for someone else. I DISPUTE THIS ACCOUNT INFORMATION, and as a proof, the comments section has this statement. I asked to this company to remove the collection from my credit report, unsuccessfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XX/XX/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 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

They only way I'm allowed to freeze my reporting from Datax is by traditional mail in which I expressed with Datax that due to my dire financial hardship at the present moment I cant afford the cost of mailing my information regarding copies of social security number and Identification. Asked was their any other way in which to send it via fax or email or phone number and they stated Unfortunately they can not. How does the consumer lay at the mercy of companies they were never told of or had any knowledge of entities obtaining and selling our data? I NEED MY DATAX EQUIFAX ACCOUNT FROZE IMMEDIATELY.
Product: Credit card

I applied American Express Platinum card on XX/XX/2016. At that time, American Express gave me open account bonus which was 100k Membership Reward ( MR ) point after spending 3000 . I satisfied this requirement on XX/XX/2016 and American Express posted 100k point into my account ; however, at same time, American Express frozen all my MR points ; even the points that I earns in the previous purchasing. American Express told me that they needed to review my account to make sure that all purchases meet qualifying criteria. I understand this and they said it will take 6-8 weeks. BUT, I have already waiting 15 weeks!! I called them many times and American Express just asked me to wait. I have traveling plan in XX/XX/XXXX and I am urgent to use MR points. But, right now, I can not transfer any points from it, even my previous points. They cause extremely inconvenience to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, Experian, XXXX XXXX  and etc. never investigated inquires and they willing knew it was a violation of my rights so they are criminally liable and Civil liable pursuant to 616 15USC 1681n civil liability for willful noncompliance any person who willfully fails to comply with any requirement imposed under this title with respect to XXXX XXXX is liable to that consumer in an amount equal to any actual damages sustained by XXXX XXXX as a result of failure and in the case of any successful action to enforce any liability under this section the cost of the action with resonably attorney fees as determined. The Bureaus ( XXXX, XXXX, experian, XXXX  and etc. ) deletion is admittance to them reporting fraud information on my report