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

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am getting harassing phone calls all day long from a NO ID number from First National Bank of Omaha First bankcard credit card and I am not even 30 days late on my payment. They start harassing me as soon as I am one day late and it's all day long sometimes. With COVID I am late making payments because I am getting paid late. Thus is the second time and it's worse than the first time and I am still paying my bills. It's not like I am not paying. It's becoming a nuisance and interrupts me at work. Outside of COVID I have never been over 30 days late. There is no excuse for this harassment. I am an adult and none of the other credit cards even bother to call if I am late or miss a month. This needs to stop. It's causing my XXXX to XXXX and XXXX  my XXXX even because it's pure XXXX  harassment. I tried calling them and the wait time was so long I can't sit on hold and run my business. It's all too stressful. They need to wait 30 says before harassing people.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the items I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Description of What Happened with Experian I am filing this complaint because Experian has failed to remove inaccurate and fraudulent information from my credit report despite my dispute. 

I was a victim of the XXXX data breach, where my personal and financial information was compromised and exposed to unauthorized parties. As a result, fraudulent accounts, unauthorized hard inquiries, and inaccurate negative marks have appeared on my Experian credit report. 

Despite submitting a dispute, Experian has not properly investigated or removed these items, which continue to damage my credit profile. They are violating my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), which requires them to ensure that all reported information is accurate and verifiable. 

How Experian Violated My Rights XXXX. Failure to remove fraudulent accounts and inquiries These items appeared after my data was compromised in the XXXX breach and are not authorized by me. 


2. Lack of proper verification Experian has continued reporting these items without providing legally valid proof that they belong to me.

3. Negligence in handling disputes Despite my dispute, Experian has failed to take appropriate action and remove inaccurate information.

4. Continued reporting of unverifiable and fraudulent data Under 15 U.S.C. 1681i, if Experian can not verify the accuracy of these accounts and inquiries, they must be deleted immediately. 



What I Am Requesting I am formally requesting : The immediate removal of all fraudulent and inaccurate accounts and inquiries. 
A full reinvestigation, including documented proof of verification for any disputed items. 
A written explanation for why Experian has continued reporting inaccurate data despite my dispute. 
A corrected credit report reflecting the removal of all fraudulent items. 

If Experian fails to act, I will escalate my complaint by filing reports with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for non-compliance with federal law. 

I expect a prompt response and full resolution within 30 days, as required under the FCRA.
Product: Mortgage

Dealing with XXXX XXXX has been a nightmare. The statement for our construction loan provided by the bank was erroneous, and I contacted the bank to correct the problems. After being unable to resolve the issue with the Construction/Permanent Lending team member and the XXXX XXXX XXXX XXXX, I contacted the  department manager XXXX XXXX He has acknowledged the errors in the statement but still refuses to correct them and provide an accurate statement.
Product: Credit card or prepaid card

I submitted a complaint that synchrony responded with a lie and keep stealing my money. 
this is my original complaint : on XX/XX/XXXX the company claim to have sent me a refund check for XXXX $ I never receive that check since then they keep asking to wait that something will arrive. They proceed to close my account without any balance of negatives just to not refund me. 

this is the answer I receive Dear XXXX XXXX : On behalf of Synchrony Bank, I am responding to your concerns raised through the Consumer Financial Protection Bureau ( CFPB ). I appreciate you bringing this matter to my attention. 
I sincerely regret any dissatisfaction this matter may have caused you. Your concerns are important to us, and we strive to serve our customers in a timely and satisfactory manner. 
A credit balance refund check of {$1000.00} was mailed to you on XX/XX/2022, I regard to your PayPalTM Extras Mastercard. Due to you not receiving the refund check sent on XX/XX/2022, a stop payment was done and a new check issued on XX/XX/2022. The check was cashed on XX/XX/2022. A copy of the cashed check has been enclosed for your review. 
Compliance is very important to Synchrony Bank. Per the terms of your account agreements, we may close your accounts at any time. 


Nothing here was true. 
XXXX XX/XX/XXXX after an enormous amount of call a synchrony associate told me he's going to send me another check. Then HE PROCEED TO CHARGE ME ANOTHER XXXX $ and sent me the check for this, completely ignoring my original charge in XXXX. I receive a refund check for XXXX while my original charge in XXXX was for XXXX. They charge me 2 two times for 2 refund check and sent only one. the same associate asked me to add another address to my account because they were not able to send me a check initially. I added my OWN BUSINESS ADDRESS.
Product: Debt collection

I did not create this debt. Someone I was involved with did this. He created several in my name. I mentioned and explained this to LVNV Funding. I disputed this several times now and they take it off and put it back at their own convenience. Now, they are just demanding I pay when they have provided no proof to my ownership of this credit card debt. It keeps going back and forth. I am tired of this at this point.
Product: Credit card or prepaid card

On XX/XX/2021 I received a notification from XXXX  stating that a hard inquiry had been initiated with JPMCB-Card Services ( JP Morgan Chase ) and it was inquired on XX/XX/XXXX. I did not inquire a credit card with them or any other company ; This is a fraudulent act that I am hoping can be resolved and removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting.
Product: Credit reporting or other personal consumer reports

As I have recently reviewed my credit report I have noticed multiple fraudulent accounts on my credit report. Can you please remove these fraudulent accounts from my credit report, as they are damaging my ability to obtain getting credit and housing.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 over {$7000.00} in XXXX XXXX funds were stolen from my Coinbase account. I believed I was talking to a tech support person and instead I was scammed out of the funds above. I have contacted Coinbase and provided them with all the relevant information and they have stated that they are unable to retrieve the stolen funds.
Product: Credit card or prepaid card

I had a dispute with XXXX over charges to my account. The dispute was not resolved and XXXX charged my credit card without my consent. The charge amount was {$160.00}. I called and reported the dispute to my credit card company - Avant. They briefly took off the charge amount, then added it back. I called the company and they said they could not help me and gave me the number to a " specialist '' that was handling my account. I can not get through to a live person at this number. Left messages - this does not even sound like someone that works for the same company based on the voicemail. Now my account is over the limit due to this reversed charge. 

AVANT CREDIT CARDs - terrible customer service.
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. 

Account Name 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  and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My TD bank account was compromised and I have been charged at least {$3500.00} in fees for the year for returned items and unreal charges. I have tried to get help and have reported my account compromised numerous times. They have never done anything.I am going to take legal action if something is not immediately done. This is illegal and disgusting of a bank to victimize me more after stealing thousands of dollars from me.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft ; my information was exposed to the public in the XXXX data breach, and I noticed a lot of unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed ASAP.
Product: Credit reporting

On XXXX XXXX, XXXX, I made arrangements with the Santander # XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all XXXX of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. My credit bureau disputes are being ignored and my consumer rights have been violated.
Product: Debt or credit management

Jefferson Capital is falsely reporting debt to the credit Bearu of the amount of {$1200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PARTIAL ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Dear COLLECTION COMPANY, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting " Proper Validation and Proof of Claim '' as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identity me as the correct person you are trying to collect from. 
5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am not associated with the creditors mentioned, and I did not initiate these inquiries.
Product: Bank account or service

On Thursday XXXX XXXX 2016 at approximately XXXX am I was denied service from a Bank of America located at XXXX XXXX XXXX XXXX, XXXX, Wa XXXX. I went to have my account verified as required by HUD for low income housing and was told by the manager XXXX that they would not be able to sign paperwork given by HUD verifying my bank of America account.When I asked why the only explanation that was given was that she did not feel comfortable verifying my account. I have been a bank of America customer for 10 yrs and know that this is not common practice.
Product: Credit reporting or other personal consumer reports

On or about XXXX / XX/XX/XXXX my identification was stolen and a credit card from XXXX XXXX XXXX was opened in my name. The thieves changed my address through a third party with the post office to XXXX XXXX XXXX # XXXX XXXX MA. XXXX from my home address in CA. After the unofficial change in address the crooks received credit card offers and opened a new account in my name and ran the card up to {$5700.00} including interest. They also changed addresses of multiple accounts as well as at all three credit bureaus. 

The issue was exacerbated by having a XXXX and XXXX XXXX in XX/XX/XXXX hindering my timely dealing with the breach of credit, ( I was in the hospital for XXXX weeks ). A report was filed with the FTC for this situation in XX/XX/XXXX and I was unable to get copy of report due to medical issues caused by the XXXX and XXXX XXXX causing me to be unable to understand directions. I also filed a report with XXXX Police, XXXX XXXX MPs and US Post Office to change my address back to my actual address in California where I have lived for over 20 years. 

I was unable to handle the issue with my credit report because the thieves changed my information making it difficult to see my credit report and dispute the charges. The credit card bills were sent to the XXXX XXXX. Address they changed at the post office without my approval. The thieves even got my prescription medication, handicapped placard, and all other credit card offers and daily mail including personal information. I have been trying to figure out the damage for over a year with little success due to credit bureaus lack of customer service and appearance of not caring. I never received anything from XXXX  XXXX concerning this card until XX/XX/XXXX when I received a letter stating to call them, which I did. I was informed that they had sold the account to XXXX XXXX XXXX. When XXXX XXXX XXXX was called they sated they did an investigation and they determined the charges were my debt. It is my opinion that multiple fail safes were compromised. The US Post Office did not require an IN-PERSON transaction with an ID card to change address, and XXXX bank did not contact me to open an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Agency, XXXX XXXX Acct # XXXX has violated my rights. 

15 US C 1681 Section 602 A states I have a right to privacy.

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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately 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 ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Accounts : 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, credit repair services, or other personal consumer reports

XXXX XXXX MY University notified me that I was approved for the XXXX grant- these grants were not supposed to be registered as loans and they have added thousands of dollars inaccurately to my overall debt on my credit report. 

I am also writing because an unverified innacurate Collection form XXXX is still showing up on my TransUnion account even though the other bureaus have already found fault in reporting and removed it. What does Transunion have to verify that this account is accurate when I have been diligent in supplying them ample evidence that this account is clearly being inaccurately reported against my FCRA rights! 

And A chargeoff from XXXX that is not being reported accurately. How can a charge-off/collection also show that I paid my account on time? How does a consumer get such a major derogatory item on their credit report but yet it's reported I was paying my bills on time, every month? I have been sending in disputes for over a year and the bureaus have failed to explain how this account is still being able to be reported. It is Clearly a major violation of my FCRA rights!! 

I have written to XXXX, Transunion, and XXXX and they have refused to take these inaccuate accounts off of my credit report. Per my understanding, due to the FCRA this is highly illegal and unfair to my reporting rights. I do have the right to request anything inaccurate be removed from my credit report. 

Attached below are some of the numerous attempts I've made to get these items removed from my reports being that they are clearly inaccurate
Product: Checking or savings account

In XXXX XXXX XXXX my Bank Account was HACKED. {$16000.00} was removed and funds were transferred between accounts. The HACKERS Demanded I purchase {$2000.00} worth of XXXX gift cards to restore my funds. 
I had a XXXX to my head, I made the Purchase. 
Then they demanded {$5000.00} in additional gift cards. At this point I WALKED into my LOCAL BOFA branch and asked for HELP. The HACKERS were STILL in My Account. 
The BANK REFUSED TO SEE ME! Said I needed and Appointment! An hour later I was seen... but the HACK was over by then. 
Had I been seen immediately the BOFA Fraud team would have VOIDED the transactions and I would have recovered my {$2000.00}. 

The LOCAL BOFA staff is NOT trained on how to respond to FRAUD. BOFA must take responsibility for that and restore my {$2000.00}
Product: Bank account or service

Dear CFPB, We are in the process of XXXX and as part of the process need a notarized letter from our bank ( Citibank ) regarding our account balances, ownership details and length of relationship which Citi has failed to provide delaying processing of our case. 
We would very much appreciate your help in getting this from Citibank so that we can proceed with the XXXX. 
Sincerely