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

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

I had two credit cards with Bank of America. One with a {$70000.00} credit limit and one with an {$11000.00} credit limit. I called them to request one consolidated card with a credit limit of {$81000.00}. 

They closed the smaller limit card and declined to increase larger account credit card limit by {$11000.00} - or at all. 

This is why people hate banks and why Senator XXXX XXXX helped create the CFPB. There was no increase in the credit exposure to BAC. They just chose to be very consumer unfriendly. 

If BAC doesn't correct this, I will I be taking this issue to the Rhode Island Attorney General Consumer Complaint division. The same people who had XXXX settle for $ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  XXXX Balance : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX, and XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to request a correction to my & my wife 's credit reports to all the 3 credit bureaus : XXXX, XXXX  & XXXX. I have paid every mortgage payment on time since the inception of our mortgage account. 

In XX/XX/2020, AMERIHOME made a mistake and did not apply my {$1100.00} payment submitted on XX/XX/2020 to my mortgage account. This resulted in a 30-day delinquency noted on our account and credit reports. 

I submitted my XXXX payment on time ( as usual ) not knowing that the previous payment was not applied. On XX/XX/2020 the {$1100.00} payment submitted on XX/XX/2020 was returned by AMERIHOME into my XXXX  XXXX XXXX checking account. 
( see support documents : XXXX XXXX XXXX Transaction Details : XXXX & XXXX ) I submitted the XXXX payment on time ( as usual ) still unaware of the unapplied XXXX payment. Later in the month of XXXX, I discovered the error and immediately made another payment on XX/XX/2020 to catch the account up. All previous and subsequent payments were made on time. 
( see support documents : XXXX  XXXX XXXX Online Banking : AMERIHOME Payment History ) I take my mortgage obligation very seriously and as the supporting documents indicate, I always initiate payment in a timely manner. It was AMERIHOME that did not apply the XXXX payment to my account, ultimately reversing the payment into my XXXX  XXXX XXXX checking account. When I explained what occurred to AMERIHOME customer service, the agent acknowledged the mistake and waived three ( 3 ) {$39.00} late charges totaling {$110.00} on XX/XX/2020. The late charges were waived, but my credit reports still reflect a delinquency that negatively impacts my XXXXredit score. 
( see supporting documents : AMERIHOME Customer Account Activity Statement ) I've contacted AMERIHOME via phone, email and fax communications at least a dozen times beginning XX/XX/2020 with no resolution. 

Therefore, I'm filing this complaint with CFPB. Please advise if additional support required.
Product: Credit card

As a loyal Capital One customer for several years, I have always appreciated the high level of service and reliability provided by your institution. However, I experienced significant frustration and inconvenience in XXXX when attempting to utilize the {$300.00} travel credit associated with my XXXX XXXX credit card. 

On two separate occasions around midnight in XXXX, I encountered persistent issues with the Capital One app, specifically within the travel portal. Despite multiple attempts to access and utilize my travel credit to book a hotel room, I was repeatedly logged out of the portal, preventing me from completing the transaction. Despite reaching out to Capital One via social media channels to report the issue, I was informed that there were no known technical difficulties at the time. 

Regrettably, due to the persistent technical issues and subsequent inability to access the travel credit, I was unable to utilize the benefit before its expiration date. This was particularly disappointing as the {$300.00} travel credit was one of the primary reasons for holding the XXXX XXXX credit card. 

In an effort to address this matter and seek resolution, I contacted Capital One Customer Care on XX/XX/XXXX to request an extension of the expired travel credit and explore options for rectifying the situation. However, I was informed that the system was down, preventing the creation of a formal case to escalate the matter. 

As a conscientious and longstanding customer, I am appealing to Capital One to consider this situation as an exception and extend the expiration date of my travel credit. The technical difficulties experienced in XXXX were beyond my control and resulted in the inadvertent expiration of a significant benefit associated with my credit card. 

I trust that Capital One will take this matter seriously and work diligently to address my concerns in a timely and satisfactory manner. I remain committed to maintaining a positive relationship with Capital One and hope for a swift resolution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX. XXXX. TRANSUNION I recently reviewed my credit report and found unauthorized inquiries and late payment. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 1681i, Paragraph ( 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 Thanking you in advance. 

I demand the following inquiries removed immediately. 

XXXX. NEVER HAD A LATE PAYMENT. AND ALSO I SEE FEW INQUIRES WHICH IS NEVER AUTHORIZED TO ANYONE. HERE 'S THE INFO. 

Inquirer Name & Inquiry Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX also never lived this address. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX My correct address : XXXX XXXX XXXX, XXXX, MN XXXX I demand the following other addresses much be removed immediately. 

Thank you
Product: Mortgage

I 've been trying to work with Nationstar for months now. I submitted a claim abouta month and half ago due to after several calls and promises they could not orwould not sign a form needed to change my property from a titled property to a realdeeded property after I had the work done to do so. Since I could get the formsigned I went to bank and borrowed the money to pay the Mortgage off on XXXX/XXXX/15, then I would n't need the form signed a lien holder anymore. Well now it 's XX/XX/XXXX15and they have yet to send a release of lien to the county tax office in order for thelien to be removed so I could have my property changed from titled to real deededproperty. I 'm been advised that they only had 30 days to do this. Their customerservice told me that and the director of register of deeds told me that. I will bechecking with an attorney I guess, not sure what else I can do. This process allstarted back XXXX/XXXX/2015 and I ca n't seem to get any results out of Nationstar whom Ialways paid on time and would like to have better results from them. I have calledthem at least 15 times and spoke with a couple different supervisors and still can'tget what I need done, but yet they have been paid in full since XXXX/XXXX/2015. They havetold me two to three different dates as to when they processed and mailed therelease of lien, but yet Register of Deeds has not received it. I even gave them tocorrect address for the register of deeds. PLEASE help with this if you can. Wouldbe nice if they overnighted the release as they stated they would when I spoke tothem on XXXX/XXXX/2015 in order to have it done in the 30 days ... DID N'T HAPPEN. 
Thank you for any help, XXXX
Product: Mortgage

This is the test of the fax I sent to the company : I became aware yesterday that your company has reported my mortgage payment 30 days late on two occasions this year. I have never missed a payment and have access to bank statements to verify. This issue has impacted my credit negatively and I need you to correct theses negative credit entries immediately. I believe the problem that your company has considered non or late payments to be related to my impound account being re-evaluated and the payment increased as a result. I make all my payments automatically through my bank 's online bill pay feature. I suspect I missed the escrow payment increase notification but as soon as I became aware I increased my payment as well as sent additional funds to cover the amount that was behind. 
Your company has always accepted all of my payments including the extra {$220.00} to cover the impound escrow shortage. I have never failed to send a payment that included the full principal and interest due on my loan. 
Just to reiterate, this issue is extremely urgent as it is affecting my ability to secure financing today. I would really appreciate your response to me with a letter stating that the issue has been resolved and that the credit reporting agencies have been notified to remove the 30 day late notices from my credit reports.
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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXXXXXX XXXX 

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. 



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. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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 XXXX XXXX 

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: Credit reporting or other personal consumer reports

I am writing to dispute an item on my credit report that is inaccurate and deeply concerning.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate. 

The disputed item is as follows : 1. Account Name : XXXX XXXX XXXX  Date Listed : XXXX XXXXXXXX XXXX XXXX. Account Name : XXXX XXXX Date Listed : XXXX. XXXX, XXXX XXXX. Account Name : XXXX XXXX  Date Listed : XXXX XXXX, XXXX  Under 1

5 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period.

Failure to comply may result in further action to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Credit card

Today I received an email from AMEX telling me I need to may an extra payment in 4 days or they will decline purchases and reduce my credit limit. They did this to me last year and I made the extra payments, but I believe this activity to be unethical or possibly illegal. My accounts are not past due. I make my payments on time every month. They need to be held accountable for strong-arming customers who are already dealing with financial stress. If I didnt have to use my credit cards right now I wouldnt. I do not want to but my husband and I have been unemployed for some time and only recently found jobs.
Product: Debt collection

This company is reporting an account and after two attempts to get details on the account, they have yet to respond. What they send is nothing but a statement. I am asking to see more information about this debt such as the proving the statue of limitations has not expired, a break down of all monies owed and documentation that I agreed to pay what they say I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a creditor who is showing me as deceased and I am unable to have this removed. 
I have filed disputes with the agency several times. I have sent them certified, notarized, and demand letters to no avail about this dispute. 

I have sent a letter to the company ( XXXX XXXX ) and have spoken to a XXXX XXXX, who claimed to be the secretary to the president. She stated that the credit bureau is the one who informed them I was deceased. I believe this to be an error because the credit bureau does not contact companies and tell them things such as this. Also, this company was the first company to show me as deceased. After sending disputes about this issue other companies that showed me as deceased have corrected this error. However, XXXX/XXXX XXXX refused to do so stating that they certify this information to be correct. 

I do not understand how a company can certify that I am deceased if I have disputed this fact, shown proof of this fact, with certified letters, notarized letters, a driver 's license, Social Security card, and a utility bill from an address I recently moved to. 

I have spoken to the fraud department at Experian and they have sent a letter to XXXX/XXXX XXXX to state that I am not deceased. This too has had no impact on the company. 

Now the problem I have is after all this proof and all the disputes, Experian is still saying that they will not remove the information from my report. I feel that even though I have followed every instruction Experian has given me to get this misinformation removed, they should remove it and not side with a company that is UNABLE to certify me as deceased since they DO NOT HAVE a death certificate.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington , DC XXXX Re : Dispute of Debt on Equifax Credit Report for Account Ending XXXXXXXX XXXX XXXX  To Whom It May Concern : I am writing to formally dispute a debt reported on my Equifax credit report related to the account ending in XXXX, which is listed under XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The reported debt is inaccurate, and I am requesting that it be investigated and removed from my credit report. 

There are 7 reported late payments showing. Despite my repeated requests to XXXX XXXX for clarification and documentation related to this alleged debt, I have not received the necessary purchase agreement or bill of sale that would substantiate their claim. I have sent formal requests, as outlined in my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), but there has been no resolution to this matter.

Under 15 U.S.C. 1692g of the FDCPA, I have requested that the creditor provide me with evidence of the debt, including the purchase agreement and bill of sale, and yet no responsive documentation has been provided. The lack of proper documentation undermines the validity of the debt, and as such, I request that the Consumer Financial Protection Bureau intervene to ensure compliance with these laws. 

Additionally, under 15 U.S.C. 1681i ( a ) of the FCRA, I have the right to dispute any information that I believe to be inaccurate or incomplete on my credit report. Since XXXX XXXX  has failed to provide evidence substantiating the debt, and due to the absence of any agreement or bill of sale to verify the authenticity of this obligation, I request that you investigate this matter thoroughly and remove the debt from my Equifax credit report.

I respectfully request that the CFPB compel XXXX XXXX to comply with my legal rights and provide the appropriate documentation to validate this debt. If they are unable to do so, I request that this item be permanently removed from my credit report. 

Please confirm receipt of this dispute and advise me of the steps you will take to address it. I appreciate your prompt attention to this matter and look forward to your resolution. 

Thank you for your time and assistance.
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the accounts below 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: Bank account or service

I purchased variable annuity from a agent from Flagstar Bank. This agent left for some reason or other and he was told not to contact any of is clients. Flagstar also did not contact me. It was not until i called Flagstar and than they assigned agent. During this period of time I loss money because no agent was watching my annuity. The name of the Agent still appear on the Quarterly statements even after he left.
Product: Checking or savings account

I am writing to file a complaint about a failed ATM deposit that occurred on XX/XX/2023 at XXXX at a US Bank ATM XXXX I attempted to deposit {$1000.00} in cash into my XXXX XXXX ( XXXX ) checking account. However, the deposit failed, and the ATM did not return my {$1000.00} cash. 

After the failed deposit, I contacted both US Bank and XXXX to resolve the issue and retrieve my money. However, I have been unsuccessful in my attempts to retrieve my funds through either of these channels. I have provided documentation of my failed deposit to both institutions, but they have been unable to provide any resolution or explanation. 

I believe that the ATM malfunction or system error is to blame for the failed deposit and the loss of my funds. It is unacceptable that neither US Bank nor XXXX have been able to resolve this issue and return my funds. 

I am now seeking your assistance in resolving this matter. I am requesting that the CFPB investigate this failed ATM deposit and take appropriate action to ensure that I receive my {$1000.00} back. Additionally, I would appreciate any support you can provide to hold US Bank and XXXX accountable for their failure to resolve this issue. 

I have attached all relevant documents and information related to this failed deposit, and I am willing to provide any further assistance or information as necessary. 

Thank you for your prompt attention to this matter.