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

I have found late payment remarks that are completely inaccurate and do not reflect my actual payment history. These errors are not only misleading but also unfairly lower my creditworthiness, making it difficult for me to access financial opportunities that I rightfully deserve. 

Some of these late payment marks appear on accounts where payments were made on time, while others may have resulted from reporting inconsistencies or clerical errors. Additionally, if the reported late payments can not be backed by verifiable documentation with clear proof of delinquency, they should not remain on my report. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be fully accurate, verifiable, and free of misleading data. 

To resolve this issue, I request that all inaccurate late payment remarks be corrected and updated to reflect an accurate payment history. If the reporting companies are unable to provide solid documentation proving the legitimacy of these late payments, they must be promptly removed from my report. I expect immediate corrective action to ensure my credit file accurately represents my financial responsibility.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I was given an AMEX eGift card by my employer and it was declined when I attempted to use the card in XXXX and XXXX. When I called AMEX customer service, I was advised that those vendors are not authorized and that the AMEX eGift Card was not accepted there. I explained that the vendor sites states that they accept AMEX Cards and the AMEX Card website states that the eGift Card is accepted anywhere that AMEX Cards are accepted. I called to file a complaint on XX/XX/2024, spoke to XXXX and was given Complaint # XXXX.
Product: Credit reporting or other personal consumer reports

This complaint raised my concern on XX/XX/XXXX Account number XXXX. 
According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX XXXX XXXX XXXX  - states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Opt- Out law - XXXX XXXX XXXX XXXXXXXX That law clearly states that I have the right to Opt-out of anything that's on My credit report. 
Per- The FCRA as A federally Protected Consumer, I am Now Opting Out From any and all Authorization, That ( I ) the consumer, May have given you, Written, unwritten, verbal, non-verbal Per XXXX XXXX XXXX. 
Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974. 
XXXX XXXX XXXX XXXX - permissible purpose of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX XXXX XXXX has not had My Written consent to report any impact on my consumer report file ) They Do not have my Written Permission to report. 
XXXX XXXXXXXX XXXX XXXX XXXX Permissible purposes of consumer reports XXXX XXXX XXXX XXXX  accordance with the written instructions of the consumer to whom it relates. ( b ), no consumer reporting ageXXXX XXXX XXXXake 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 anteates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 
Experian, XXXX, XXXX, XXXX XXXX & XXXX XXXX XXXX is a XXXX XXXX company.this reporting is in direct violation of XXXX XXXX compliance standards. 
Important Definitions - The term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph This includes consumer reports. 
Experian, XXXX, XXXX, XXXX, & early morning services, is a XXXX XXXX company. 

Account Means : A Written list of Transactions, noting MONEY Owed and money paid; Statement of mutual demands Arising out of a contract or a fiduciary relationship. 
Account can simply list payments, losses, Sales, Debits, Credits, and other transitions, or it may further and show a balance or the results of companies opposite transaction, like purchase and sale.
Product: Checking or savings account

I OPENED A CHECKING AND A SAVINGS ACCOUNT WITH CHASE BANK, AND I RECIEVE MY XXXX INCOME. I PAY MY BILLS FROM THE ACCOUNT. WELL IN THE BEGINING OF XX/XX/year> I PAID SOME BILLS AND PURCHASE SOME RENTERS INSURANCE AND SOMEONE PRETENDING TO BE ME REACH OUT TO CHASE BANK XXXX XXXX AND CHASE BANK REVERSED THE BILLS THAT I HAD PAID EARLIER IN XXXX, AND ALSO THE SAME PEOPLE PUT A FRAUDULENT CHECK IN MY ACCOUNT, NOW DUE THIS THE CHECKING ACCOUNT IS IN THE NEGATIVE OF OVER {$700.00} AND THEY SAID THAT I HAVE TO PAY THAT. AND IN THEY ALSO TOOK OVER {$600.00} FROM XXXX CHECK IN XX/XX/year>. NONE OF THOSE MERCHANT 'S GOT THEIR PAYMENT SO I HAD TO REINSTATE EVERYTHING, AND IT REALLY PUT ME IN A BAD POSITION BECAUSE EVERYTHING WAS CANCELED. I HAD TO GET THE POLICE INVOLVED.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Inaccurate Information Failure to Investigate in Violation of FRCA 605B and 611 Dear XXXX, This letter serves as a formal dispute regarding inaccurate and unverifiable information on my credit report. Despite multiple attempts to address this matter, XXXX has failed to conduct proper investigations and continues to report inaccurate information, in violation of the Fair Credit Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX for sham investigations. 
The disputed account include : SYNCB/Value City Furniture/ Account XXXX XXXX Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unverifiable information blocked from my credit report upon providing proper notice. Additionally, the CFPB has documented Experians systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim. 
DEMAND FOR RESOLUTION 1. Immediate Block : As required under FCRA 605B ( c ), the disputed information must be blocked from my credit report unless you can verify its accuracy within four business days.

2. Written Confirmation : Provide a written notice confirming the results of your investigation, as mandated by FCRA 611 ( a ) ( 6 ).

3. Evidence of Verification : If you believe the information is accurate, provide documentation from the furnisher proving its validity and compliance with FCRA 623 ( b ).

Failure to comply with these requirements will result in a formal complaint to the CFPB, as well as potential legal action for damages under FCRA 616 and 617. 

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

Reviewing my credit report I find a series of inquiries that were not authorized by me, I called on a couple of occasions to provide me with the corresponding help to dispute for their web pages where they give the option and they could not help me. 

I am attaching the date and place of each inquiries that was made without my authorization. 

XXXX : The inquiries in question are the following : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) EQUIFAX : XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I have try to dispute this information asking for an application with my signature. They sent some information that has two different names. XXXX XXXX XXXX XXXX XXXX XXXX. This is very confusing. Without the application with my signature to verify my real name that paperwork does not help it confuses things I want an application with my signature or remove this from my credit report
Product: Credit reporting or other personal consumer reports

Theres a hard inquiry on my credit report that states a Capital One credit card has been opened. However I didnt open a Capital one credit card and I reported it to Capital one as fraud.
Product: Debt collection

I made an agreement on a pay to deleted with Enhanced Recovery Collection. I paid the debt over two years ago and they were to send all 3 credit bureau a letter to have this account removed from my credit report. As of today is showing as a negative collection on XXXX, which is affecting me trying to fix my credit score and report.
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/ ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Please see screenshot attached. inaccurate data reported. 15 U.S. Code 1681e
Product: Debt collection

I purchased a samsung galaxy phone from a XXXX representative and was told at the time of the purchase that it came with a free tablet and that there was no contract and that I could cancel the device and service at any time. My phone was stolen and I immediately called and reported it and was told that my service would be cancelled and I would not be billed for anything but the price of the phone and to return the tablet to the nearest sprint store. The store refused to even let me pay for the phone and said I breeched my contract and that I owed over XXXX dollars for the phone, tablet early termination and other fees. I also could not pay or work out any deal with sprint because they referred it to a collections agency and told me they no longer were involved at all.
Product: Debt collection

This case has been going on for over ten years and little by little Weltman, Weinburg, & Reis co. L.P.A. have been extorting money from my accounts in small increments. They are so sneaky that when I reviewed my credit reports, this debt never even showed as a viable debt to the credit reporting agencies, this could only be reported as an inquiry. This is why I never caught it, regardless of which ever judge agreed to this Judgement, that is fraud! This all stems from an advertisement circular " XXXX '' that I reached out to increase clientele volume at that time. With any and all marketing executions it is always required that you sign off on an advertisement before circulation. The XXXX INC. DBA XXXX XXXX XXXX took my initial signature of proceeding to do business with them and based there entire approach off of that, and they knew that!! there were multiple mistakes made on there part, all of which needed to be corrected but went forward with the circular any way. " They even put the wrong number on the circular '' This company is no longer in business and I am not the only person they have manipulated and taken complete advantage of. this has grown to {$10000.00} in total debt, and the collection firm and the owners of the XXXX XXXX have not only betrayed my trust, but this law firm has colluded with the owners of the XXXX XXXX and creating this trumped up debt. When I walk into the bank now, I am just so mortified, do to the lien that has been placed on my account. This money that was taken was Federal grant money that was given to me for my education on completing by bachelor 's degree in science, with certification in digital integrated marketing. In closing I have always done the right thing since the great fall out I have acquired my XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " Life, Health, Accident, Disability and Annuities '' I am not one to look for an easy way out, I grind out and get things done. These little individuals want something so now they are going to get it.. I WANT CRIMINAL CHARGES BROUGHT AGAINST ALL PARTIES THAT ARE INVOLVED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identity theft from my consumer
Product: Credit reporting or other personal consumer reports

XX/XX/year> I initiated a dispute with Transunion concerning XXXX accounts on my credit report. Despite my efforts to obtain verification documents both tranasunion and the respective creditors, I have yet to receive the necessary proof that these belong to me and they are not Identity theft. 


TransUnion 's response merely stated that the accounts were verified, without providing any documentation to substantiate their claims. This lack of transparency is not only frustrating but also violates my rights under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, consumers have the right to dispute inaccuracies and receive proper verification of any debts reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that wa s MY  money??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in  XXXX  of   XXXX  , even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.
Product: Bank account or service

On XX/XX/2016 I deposited {$8600.00} into my Bank Of America at the branch in XXXX, CA XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. 

{$8000.00} in cash and a check for {$670.00}. The teller counted the money, gave me a receipt, credited my account for the total. I saw the amount in bank account. A few days later I noticed the bank deducted {$6000.00} dollars from my account. The notice from the bank said that there is a discrepancy on the deposit slip. The total is {$8600.00} but the currency says {$2000.00}. 

I went to the bank branch and ask for an injury to the missing funds. I was denied. The branch manager did not even ask for account information. He refused to help in anyway. I went to the branch I normally deal with, XXXX, XXXX XXXX. They told me that the other branch should review the reports and look at the cameras. 

I called corporate Bank of America to complain. I was told that ONLY the branch can authorize a report or look at the camera. I would need a subpoena to get the branch manager to look at the cameras if he refuses. 

I returned to my regular branch, XXXX and complained again. They said they sent an email to corporate to look into the XXXX branch. The XXXX branch manager refuses to do anything or even look at my account. 

I believe the money was stolen. I think that if the manager sees any error on the deposit slip he keeps the money. No one is going look into anyways. The teller entered the correct amount into my account and gave me receipt. There is a big difference between {$8000.00} and {$2000.00}. It was all $ XXXX in cash, easy to see. 

I believe Bank of America should be accountable for its employees and there should be a check and balance. I believe this is easy to resolve, look at the cameras. Run a report of what the teller entered as a deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are incorrectly reporting the XXXX XXXX partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and should have been deleted from my credit report. I have contacted the ( 3 ) bureaus however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be deleted from my credit report.
Product: Debt collection

After reviewing my credit report, I discovered that SLS was reporting a mortgage that was once owned by XXXX XXXX XXXX in which a Deed in Lieu dated XX/XX/XXXX was submitted and excepted by XXXX XXXX XXXX. A 1692g request was received by Representative ( s ) and Agent ( s ) of SLS on XX/XX/XXXX. ( See Attachment A ) SLS responded with proper validation of a debt owed per 15 USC 1692g, however the company does not have proper information " Deed in Lieu ''. ( See Attachment B ) A notice to cure was forced to be sent to SLS containing the Deed in Lieu and my credit report to show that the alleged debt was XXXX ( XXXX ) out after the submission of the Deed In Lieu to XXXX XXXX XXXX. ( See Attachment ) SLS has NOT responded in addition to reporting the debt as a delinquency on my credit report and not as disputed. The loan was settled with XXXX XXXX XXXX per the Deed In Lieu and the allegations that a debt is owed to SLS are frivolous.
Product: Vehicle loan or lease

First of all they was over charging me cus no way I still owe the same amount wen I got it over 2 years ago and also I told them come get it because the transmission went out I had a bad car from jump engine light was on since I left the lot