23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies did not report with the correct information, after numerous attempts to have the incorrect information removed they kept saying that the account was verified with no proof - last correspondence stated that they would no longer investigate into the error unless new evidence arose but the company has refused to remove themselves from my credit report since XX/XX/2016and I am refusing to wait it out until it just " falls off ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed 2 security freezes with all 3 Bureaus and I am still having inquiries. I have also been informed I was part of the breach where my info including my license number was exposed.
Product: Credit reporting

I disputed an account which it was fraudulently put on my credit report.XXXX # XXXX I demanded proof of signature for verification because it was obvious that all my information was utilized to obtain resident. I have previously reported identity theft but they refuse to remove this item from my credit report because they confirm name, ss #, dob, and any other information which does not verify it was my account.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, it is required to remove any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurately reported. I am owed {$1000.00} for each erroneous reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts on my credit report that are inaccurate and do not belong to me. These accounts are fraudulent, incorrect, and unjustly affecting my financial standing. I want to emphasize that I have never authorized or engaged in any activities related to these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX XXXX that an account was opened in my name. ( I have the letter attached ) I did not open this account and I did not receive any goods or services from this company. My identity was stolen back in XXXX and this account is a result of identity theft. I sent a Identity theft report, and also a written statement informing all credit reporting agencies that this account was not mines and was a result of identity theft. I also provided appropriate proof of my identity. Pursuant to 15 USC 1681 ( c ) ( a ) a consumer reporting agency SHALL promptly notify the furnisher of information that it was a result of identity theft and shall block the information not later than 4 business days after date of receipt. I have attached proof showing that TransUnion received all of the appropriate documents but they are still is reporting this information on my consumer report.
Product: Vehicle loan or lease

I got an auto loan from Wells Fargo in XXXX for a XXXX vehicle. I have made 72 payments. In XX/XX/XXXX I contracted COVID and missed 2 payments. Wells Fargo has now changed off my auto loan and are looking to repossess my vehicle After contacting them they are telling me I still owe an additional XXXX. The sale price of the vehicle was XXXX. I traded in a paid in full XXXX XXXX and gave {$2000.00} cash. I thought I financed XXXX but after speaking to them I was advised that XXXX was financed with over XXXX additional in interest. I have paid XXXX for 72 months. How is this possible that I still owe them this much money
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the lates be removed from my credit reports due to the inaccuracy of the reportings. Each credit bureau has a different reporting, some show payments were on time but another report shows 60days late for the same month and year. Also it shows 30, 60 then 120 days delinquent but what happened to 90?! ( Example on Experian it shows late XXXX  30 days XXXX  60 days XXXX  120 days but on XXXX its current all XXXX except XXXX. ) T his is a clear violation of the Fair credit reporting act. Also it looks like combined information because my credit was pulled using XXXX XXXX and there are two XXXX XXXX accounts with different account numbers opened on the same date, closed on the same date, same credit limits but different payment history. 
I also requested for this account to be closed and it wasnt closed resulting in fees and late fees. It was finally escalated in XX/XX/XXXX and closed after the complaint was handled by XXXX a member of management.
Product: Credit reporting or other personal consumer reports

I have an account on my Equifax credit report called XXXX - XXXX XXXX  with an account number of XXXX XXXX. It states that I am an 'Authorized User ' of this account, but I have never authorized or agreed to being an user on this account. I asked for documentation that I signed up to be an 'Authorized User '. 

I sent a letter to the address provided on my Equifax credit report to XXXX via certified letter ( trackingID : XXXX ). They received on XX/XX/XXXX, XXXXXXXX XXXX. I waited XXXX  days and did not receive any correspondence back. 

I then sent a letter to Equifax via certified letter ( trackingID : XXXX ). They received on XX/XX/XXXX, XXXX XXXX. I explained that I did not get any response to XXXX and provided my dispute that I never authorized myself to be an this account. 

Equifax ignored my concerns and basically updated the comments section of my credit report. 

This is not my account and I have never used it nor even signed up for it.
Product: Money transfer, virtual currency, or money service

good morning. 
my name is XXXX XXXX XXXX from XXXX JPMORGAN CHASE BANK, XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX United States has transferred amounts of money to my bank account in XXXX ( XXXX XXXX XXXX by name XXXX XXXX XXXX, account number XXXX, on XXXX of XX/XX/2019 ),  unfortunately my account above has been closed since I never saved some money anymore. consequently, I have not received the money up to now. 

in accordance, I do need your help to inform the sender Bank, how I can get my money.
Product: Debt collection

Repeated calls about collecting a debt, but the debtor 's name they are trying to reach each time is different and the person receiving the calls is none of the people they are seeking, yet they continue to call asking for different people owing money. 

These calls are all identified as Portfolio Recovery on caller ID, but a different phone number is displayed during each call. Examples : XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX
Product: Debt collection

I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since 2013. Over the past ( 3 ) years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.
Product: Credit reporting or other personal consumer reports

I have asked all 3 credit bureaus to investigate account XXXX XXXX XXXX XXXXXXXX # XXXX because I noticed multiple inaccuracies on the account also the account was paid in full XXXX XXXX. They all responded and said there was no changes needed. I asked for a re-investigation because the inaccuracies were still on the account. The disputes were completed with no change. I then created a 3rd dispute with factual information on the inaccuracies found on this account, which will be provided in the photos. The payment history of this account has been getting updated every month even though it is charged off. The information is inaccurate, the charge offs are still on this account starting from XX/XX/XXXX up until XX/XX/XXXX, which is unfair and hindering me from obtaining credit. An account can only be charged off 1 time and should not be reported every month from then. This is an update in payment history, a charged off account should not include an active payment history. This restarts the statue of limitations of the account and violates my rights. I asked for an investigation of this account and the credit bureaus have failed to correctly
Product: Checking or savings account

When I deposit my cashiers checks, Bank of America puts at least a 10 day hold on the checks. This happens every month. I 've call, but it has n't helped. 

On XX/XX/XXXX, I deposited 3 cashier checks. Two for {$1000.00} and one for {$300.00}.

They held two of them for 3 days, -- ( but when I looked at my statement, they make it look like those two checks were released on the same day - of XX/XX/XXXX, but that is not the case. They actually did not release them until the XX/XX/XXXX ) -- then added them to my account in the amount of $ XXXX While keeping a hold on one of the {$1000.00}. check. According to my current bank statement, that hold will be lifted on the XX/XX/XXXX. 
That is a 10 day hold. 
In the passed, they have held it for longer than that.
Product: Credit card

COMENITY BANK ARE RUNING A SCAM SISTEM TO CHEATING TO THE COSTOMER. THE INTEREST RATE ARE HIGH. THE LATE FEE ARE HIGH.THEY ARE A SCAM. I FEFT HELPLESS BECAUSE THEY DAMAGED MY CREDIT.
Product: Credit card

In or around XX/XX/year>, I mailed a certified letter to XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), and XXXX ( XXXX ) to dispute the accuracy and completeness of the information furnished by Respondent pursuant to 15 U.S.C. 1681i ( a ). 
Upon receiving the re-investigation results I noticed that American Express verified the information. Still, American Express failed to give account-level documentation pursuant to 15 U.S.C. 1681s-2 ( b ) ( 1 ). Respondent falsely verified the information but didnt give account-level documentation on the account in general i.e. contract, application, etc., pursuant to 15 U.S.C. 1681s-2 ( b ) ( 1 ) failed to conduct a proper re-investiagtion. 
American Express also failed to mark the account as disputed, and is continuing to report incomplete and inaccurate information on my credit reports. 

American Express 's credit card agreement has an arbitration provision, and it states that before beginning arbitration or mediation, both parties agree to send a written notice ( a claim notice ) to each party against whom a claim is asserted, in order to provide an opportunity to resolve the claim informally or through mediation. 

On XX/XX/XXXX I mailed a letter to the address stated in The Agreement ( XXXX XXXX XXXX c/o XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX, however until this day haven't received an acknowledgment of my claim. 

I want to act in good faith and give American Express XXXX last opportunity to resolve this claim informally. Attached to this complaint, you will find the Claim Notice, Pre-Arbitration demand and Arbitration complaint that I plan to file with XXXX or XXXX  in the unfortunate event of not settling this claim in the next XXXX  days. 
Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts below from my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00}, XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Reached out to this company numerous times in regard to this account being reported on my credit report. They did not provide debt validation and I have a recording with the representative giving a false address in which I never lived this is clearly a identity theft situation in which I have provided my identity theft report along with proof of my address.
Product: Vehicle loan or lease

GM Financial agreed to a trade of my XXXX XXXX XXXX after they were unable to replace the battery leaving me with a subpar car that was never allowed to charge to it's fullest b/c of the fire danger. After going through a process they agreed to have me trade in my XXXX XXXX XXXX for a XXXX XXXX XXXX. The Process was fine and took place around XX/XX/XXXX. Whenever I log into my gmfinancial account, it shows my old car, and says that I am behind on payments, which doesn't make any sense. I have been caling for over a month and no one is able to figure this out. I've been told to go to the dealer, who has already been paid for the car and told me they sent in all of the paperwork. Now, I have to make car payments on a car that I don't have possession of so they don't ding my credit but I have received no assurances that my payments will go towards my new car.
Product: Credit reporting or other personal consumer reports

RE : Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C.

1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 
I hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items [ list the specific accounts or items you are disputingl.

2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 
If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit card or prepaid card

On XX/XX/19, I purchased flights using my Citibank Costco rewards credit card for {$3500.00}. After the flights were cancelled and I was unable to get a refund from the merchant XXXXXXXX, I disputed the charge. Citibank never contacted me to get additional information and closed the case in the vendor 's favor. On the XX/XX/XXXX statement, we paid the {$3500.00}. On XX/XX/XXXX statement, we were charged again the {$3500.00}, an error on Citi 's part. Therefore, Citi has charged me twice. Attempting to resolve this seems to be intentionally difficult. Moreover, the Department of Transportation ( Case # XXXX ) contacted XXXX to refund the money for the tickets which is in process. I have called at least XXXX separate times for an hour each to Citibank to address this situation which is abundantly clear that they made an error. Now, because of their reticence to remedy the situation, I will need to make the full payment to avoid interest charges. Truthfully, I believe that Citibank is intentionally attempting to keep the money and find their business practices unacceptable. I will effectively be out of pocket XXXX {$7000.00} until this is resolved.
Product: Credit card

This complaint is about Synchrony Bank Amazon store card. I purchased an item from Amazon and it was delivered on XX/XX/year>. Part of the payment for this item was from my rewards money ( {$11.00} ). On XX/XX/XXXX I returned this item. Until today ( XX/XX/XXXX ) I still haven't received the refund of my reward money. I called Synchrony and I understand that they have escalated the matter. I am hoping they will solve this soon. 

What I'm actually complaining about is the fact that there is no transparency in showing us the detailed transactions of the reward money. On Synchrony website or phone app we can only see the balance. There's nowhere to see individual transactions. If I didn't monitor the balance, I wouldn't have found that the {$11.00} was never credited to my reward account. Because of this incident, now I am not sure if any of my previous refunds was ever credited to my reward account, and I can't even check if they were or weren't. 

Besides, I spoke to a manager roughly at XXXX on XX/XX/year>. It was a female. She had a baby crying at the back. Her attitude was very bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX XX/XX/2023 Subject : Dispute of Late Payments on Credit Report and inaccurate information. 

Dear [ CFPB ] I am writing to dispute the late payments listed on my credit report for XXXXXXXX XXXX account number- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX account number XXXX. I have reviewed the information provided in my credit report, and I believe that these late payment entries are inaccurate and unjustly impacting my creditworthiness. 

You are in direct violation of the fair credit reporting act. I firmly believe that you will find these late payment entries to be incorrect.

15 U.S.C 1681 section 602 ( a ). Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 ( a ) section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Remove these late payments and update these accounts immediately as you are in direct violation of several laws under the Fair Credit Reporting Act ].

I trust that you will handle this matter promptly and with the utmost care. As per the Fair Credit Reporting Act ( FCRA ). Failure to address this dispute adequately within the prescribed timeframe will leave me no choice but to seek legal assistance and file a complaint with the appropriate regulatory bodies, as provided by the FCRA. 

Thank you for your assistance. 

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

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting

They said they took off the debt for XXXX XXXX after it was paid and I noticed ok my credit file again for the same amount with a different company after it was token off becuase the debt was paid in XXXX 2016
Product: Credit card or prepaid card

For approximately one year I have been billed for Home Delivery Service of XXXX ; I have never received Home delivery of this newspaper. I have repeatedly disputed these monthly charges with my credit card company, American Express. However, only some of the charges have been credited back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is reporting inaccurate information on my consumer report in regards to XXXX. According to the FCRA if the information being reported isn't 100 % accurate then it must permanently be removed from my consumer report. Pursuant 15 USC 1681e ( b ) it is the responsibility of EXPERIAN to report completly accurate information on my consumer report. If the information is disputed by the consumer is proven to be inaccurate then the account must be removed immediately. XXXX is reporting it as a charge off and EXPERIAN is reporting it as a collection account. This is not consistent and accurate reporting, therefore EXPERIAN is breaking the law by reporting the account on my consumer report.
Product: Debt collection

Debt from CAINE & WEINER was already paid and I had no knowledge or written notice from this company?
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am filing this complaint to TRANSUNION. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity and also unauthorized inquiries .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.