23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

It is Experian 's policy, after you have received a response from the creditor and they deem the information accurate you are not allowed to res dispute the information without additional information. The online system refuses to accept a new dispute and the upload system denies your ability to upload documentation. 
As a result of the recent case in Federal Bankruptcy Court in XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX agreed to remove inaccurate items from credit reports. Judge XXXX XXXX XXXX, who is presiding over the cases, has repeatedly refused the banks ' requests to throw out the lawsuits. In XXXX, when he refused to dismiss the case against XXXX he said, " The complaint sets forth a cause of action that XXXX is using the inaccuracy of its credit reporting on a systematic basis to further its business of selling debts and its buyer 's collection of such debt. '' I am requesting Experian to immediately remove these items from my report by directly disputing them, however they have refused me access to their dispute system. This information has impacted me negatively and caused me to be denied credit. The information has been corrected on the other XXXX credit reporting agencies but Experian by denying me access has prevented me from corrected it on their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I'm in process of purchasing a new home however upon obtaining my credit report, I discovered some inaccurate information on my XXXX... Equifax and XXXX reports .... also, some inquiries ... collections and delinquencies that weren't authorized.
Product: Credit card or prepaid card

On XX/XX/2021, I had purchased XXXX XXXX sunglasses from XXXX. I am a loyal customer from XXXX who constantly orders thousands of dollars every week. I had never received my packages for this order. I had tried to resolve it with XXXX and they told me to file a police report and I did but they said they could not offer me replacements or refunds for the items. I tried to dispute to my bank Citi Bank and they denied my dispute for the lost items.
Product: Credit card or prepaid card

I made a payment in full on XX/XX/XXXX to Capital One for the Amount of {$2300.00} for a payment I had due on XX/XX/XXXX via my checking account. After doing so, I set up autopay using that same account. I got an email from them on the XXXX that there was another payment scheduled for the same amount, which I was not able to cancel online. I called customer service who was unable to do anything that same day and they asked me to contact my bank on next business day XX/XX/XXXX to see if they could reverse one of the transactions. I did so, but my bank charged me a fee of {$20.00}. I called Capital One that same day. The first representative was unhelpful and said that since it was a bank fee he would not reimburse me for that. I asked who a supervisor who also basically blamed me for the problem and was adamant they would not credit the account {$20.00} for their error.
Product: Debt collection

Offender : Credit Managment Company This has been happening several times every week now. They would robo-call me and did not provide any information other than to just call them. 

I blocked the first number, and now they sent a new XXXX call voice to do the same thing. 

I checked my credit, and I have no outstanding debt that was sent to collections. My XXXX XXXX is XXXX with no bad marks. they refuse to tell me who the debt is for and is now borderline harassment. 

Feels like they are on a fishing expedition to get my personal information or to make up false debt.
Product: Debt collection

I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR .THIS IS NOT THE ORIGINAL CREDITOR .I was never 30 days late. THIS IS A DUPLICATE ACCOUNT US CODE 1692e False and Misleading Representation US Code Notes A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), XX/XX/XXXX, 110 Stat. 3009425. )
Product: Debt collection

XX/XX/XXXX I was notified by XXXX that a collection account was reported to my file. I immediately contacted the debt collection agency and was advised it was for a debt in XX/XX/XXXX with XXXX XXXX XXXX. I contact XXXX and there provided no reason as to why I owed considering I paid for services when services was rendered. I've received no call nor letters despite them having the correct telephone number. I did not agree to any charges other than the ones I paid on the day XXXX received services. The balance I paid at time of service was due as a result of what insurance did not cover. They can not provide anything signed by myself agreeing to extra charges nor the fees they are now all of a sudden saying I owe. Fees are preset and charges not covered by XXXX XXXX were provided at time of service at what point payment was due. I did not authorize any other charges nor agree to pay anything other than what I've already paid.
Product: Bank account or service

My Bank of America checking account had been overdrawn for a few days by the time I got to the ATM ( XXXX/XXXX/2016 ) so I knew I had to replenish funds as soon as possible so as to avoid another " overdrawn balance charge ''. On XXXX/XXXX/2016 at the ATM, I selected the option to view my balance. My account did not reflect another overdrawn balance charge ( each XXXX is {$35.00} ) so I assumed incorrectly that I had made the deadline and dodged another charge. My account was brought to a positive standing and that day I had spent money-I ended up checking my bank account by that evening ( XXXX ). It was {$7.00} and some change. I did not use my debit card at all XXXX so I was extremely shocked to hear my fianc inform me that my account was negative again! ( He tried to use my card but it declined ). Bank of America assessed my account what they call an " extended overdrawn balance charge ''. I called their XXXX number XXXX XXXX XXXX XXXX ) and spoke to a representative and when she said she could not do anything, she got a supervisor on the phone. After 10 minutes of waiting on hold, I was speaking to a manager who introduced herself as " XXXX. '' I explained the situation and expressed that I feel it is dishonest and misleading to charge my account an " extended overdrawn balance charge '' when last time I looked at my account activity, it was positive. I told " XXXX '' this extended overdrawn charge should have been reflected to me automatically not a day after I deposit funds. She said " the soonest our bank could have reflected that would have been the next business day ''. I asked her " what time specifically was this extended overdrawn charge applied to my account on XXXX? '' She informed me " there was no way she could tell me that information. '' Not only is their overdraft charge system completely unfair ( does a corporation really NEED {$35.00} each time from each customer? ), Bank of America 's processing system which does n't reflect real-time balances is intentionally set up the way it is so as to continue misleading customers. I am recent XXXX from the University XXXX XXXX XXXX and not currently working. My family of XXXX is being supported by XXXX income. {$35.00} being taken from me by Bank of America makes me feel so infuriated. Real families who work so much they barely have time to see their children grow up are being constantly robbed of their hard-earned money by a banking corporation that creates rules that enables them to take take take.
Product: Checking or savings account

I tried to link my XXXX XXXX to my Wells Fargo checking account. According to XXXX Wells Fargo would not allow access for  XXXX to send the funds. Because of this, the funds were transferred 3 days later. I was charged XXXX overdraft fees during this period. I will be charged a return fee for my XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my Experian credit report, I discovered multiple unauthorized credit inquiries that I did not initiate or consent to. Concerned about potential fraudulent activity, I contacted the creditors responsible for these inquiries, and they confirmed that they have no record of me initiating these inquiries and can not provide any written or verbal authorization for them. 

Since these inquiries lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ) and were not authorized by me, I am formally disputing them and requesting their immediate removal from my credit report. 

Despite disputing these inquiries with Experian, they remain on my credit report without proper verification. The FCRA mandates that all unverifiable inquiries must be deleted, yet Experian has failed to remove them or provide documentation proving that I authorized them. 

Additionally, I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter, as I believe these unauthorized inquiries could indicate a larger pattern of improper credit reporting practices affecting multiple consumers. 

List of Unauthorized Inquiries on My Experian Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found out that my Experian credit report shows multiple inaccurate name variations, as highlighted in the attached document. My credit report should reflect my accurate name, and I shouldnt have to deal with the fallout from mistakes that arent my fault. I have the right to have accurate information reported as per Fair Credit Reporting Act ( FCRA ). These errors could also violate my privacy under related laws. I request that all incorrect name variations be removed immediately, and my report be updated to show only my correct legal name. This would be a fair resolution to avoid further emotional and financial harm.
Product: Debt collection

I have requests for the attached responses from Discover. I have made several complaints regarding stolen card, fraudulent purchases, and fraudulent payments. I did not steal my own cards nor make fraudulent payments.

Discovers response dated XX/XX/XXXX reflects I called on XX/XX/XXXX advising to allow XXXX XXXX to use, discuss, withdraw fraud claim, and requested balance to pay off. How did Discover know she was also using another name aka XXXX? This is totally false since I had just filed a sheriffs report one day prior on XX/XX/XXXX and I didnt have money to pay off the card! She called Discover, so may I have a copy of the interaction plus all details including the phone number?

Ask yourself ; I am a man who held the card. She is a woman and needed a man to make statements. Someone just decided to call you to tell you to drop the fraud case and alright to talk with XXXX XXXX?????????????? How does that benefit me especially finally a sheriffs report one day earlier? 
There was reason for XXXX XXXX to go to great lengths to steal and have someone impersonate me. I researched the purchases and XXXX XXXX was using card to pay probation fees to XXXX XXXX County. I noticed several payments to XXXX XXXX County Clerk and dialed the number on the statement ; XXXX. XXXX XX/XX/XXXX purchases and call the number. She is also now or was recently an inmate in XXXX County Jail XXXX for false pretenses and forgery. See attached. 
On XX/XX/XXXX, Discover reflects I took full responsibilities for the charges. I asked to continue payments on what I just owed. May I also have a copy of that interaction / details. At that point, I was very frustrated and wanted my credit rating back. I have been asking for payment options and settlement options and I will continue to discuss much to regain my credit. But I have never represented I was married or withdrawing fraud claim.

Then Discover exacerbated the problem by not removing payments and subsequent purchases, closing the account, and then charging off. I had asked for return of cards but Discover isnt able to comply. What can be done? What are the options because my credit should be
restored? Drastically discount the amounts due? But I am XXXX and I now dont have money readily available. I was faithfully making payments to reduce debt, never made fraudulent payments, and am most certainly not married or even common law. Nor am I in the least attracted to someone that XXXX XXXX ugly! 
Calling Discover is very difficult if not near impossible. It has been more productive and a better use of my time to correspond through CFPB. Instead of stressing consumers, would it be better for Discover to call the consumers when Discover is not so overwhelmed? My number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested financing for a new phone through the carrier. They stated that they were unable to approve and I would need to contact Experian. I reviewed my credit on Experian 's site, and I do not see any issues that would prevent approval and my score is in an Excellent category. Upon talking to the carrier they stated it was still an Experian issue. I have tried to contact Experian and the chat function is never available, the phone menu only allows automated options that do not involve this issue, and there is no email option. Currently I am being denied for credit and I have no way of finding out why or resolving it ( again, no negative marks of credit and high score ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report.

Accounts 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

Midland Credit Management is in violation of the Statute of Limitations in New York State for this alleged debt. 
Midland is falsifying data in regards to open account dates to illegally maintain account open for collection. 
This account was originally opened with XXXX XXXX. Last day of payment was XX/XX/XXXX. XXXX XXXX closed this account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used to own a car XXXX XXXX XXXX few years ago. I sold it back XX/XX/XXXX to a car dealer in XXXX. Same day i logon to dmv for release of liability. New owner bought the car was given a street parking ticket and was towed. ASCENSION RECOVERY MANAGEMENT said I owe {$1200.00}. Quick I explain my story and have proof I sold the car. They agree to remove charges back in XX/XX/XXXX. It still shows open on my credit. Please remove it
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to West Side Lending. However, West Side Lending continues to debit my account. The most recent attempt was an ACH transaction. 
The date was XX/XX/2022 for the amount of {$640.00}. More than 60 days after I requested that West Side Lending stops debiting my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my outrage not just at the recent security breach at XXXX, but about the criminal situation in the credit bureau business as a whole. Why is there still no government oversight or regulation of an industry that controls the personal data of nearly every American without their choice or input?
Credit bureaus have been uncooperative players and effectively anti-consumer for years. Everyone has stories of how difficult it is to correct a credit report that has somehow become inaccurate. And once identity theft became an issue, they all have made billions by selling identity protection. In the wake of the security breach they have redoubled those profit making efforts at the expense of their own customers.
The situation ( at XXXX at least ) is evolving due to the public outcry, and they are now offering a free credit freeze, but only for 30 days! They are also exploring multi-bureau locks across the three major bureaus. Note that they never mentioned these services before the breach ; note also that there is an additional fee to unfreeze your credit report.
However, I have no doubt that the charges will return very quickly ( TransUnion and XXXX have not offered a free freeze at all, and TransUnion doesnt even mention the price before your credit card is charged ), and the fees mount up rapidly. Prior to the recent data breach, freezing credit at all 3 bureaus using the product they recommend would cost approximately {$20.00} per month, per bureau, per person. There are no family discounts. Thats {$60.00} a month for protecting information it is their business to protect! That means that for my wife, my XXXXyear-old mother, and me fees would total {$2100.00} annually for full protection. 

Sound familiar? It should, because organized crime has run protection rackets for years, and the credit bureaus are in the same business. We have your information, well give you very limited access, your livelihood and credit rating depends on it, and, oh, by the way, if you want to keep that information really safe ( wink, wink ) that will be {$20.00} per month per person. Anywhere else, that situation would be called EXTORTION.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and finacial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting that I am an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 negative items on my credit reported that I wrote dispute letters to all three major bureaus dispute letters to and none of them have responded back to me and it has passed the 30 day mark. By law they have to remove these items off of my report now.