23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I signed up ( applied and approved ) for an M & T Checking Account ( XXXX XXXX ) using a nationwide promotion. The promotion stated that I must open their account and enroll in XXXX XXXX and receive a direct deposit within 90 days to receive a {$250.00} promotional bonus. The deadline to sign up was XX/XX/XXXX. I successfully received a direct deposit on XX/XX/XXXX in the amount of {$1500.00}. After waiting beyond the payment of the bonus period, I reached out to customer service via chat on XX/XX/XXXX. They never got back to me as of today ( XX/XX/XXXX ). I called the customer service line ( on XX/XX/XXXX ) to request the bonus ; however, they stated that I did not receive the bonus because I did not maintain a minimum balance of {$500.00}. This was not part of the original terms and has not been a part of any of the more recent M & T promotions either. I believe the {$500.00} minimum balance was not disclosed to me and possibly added after I believed I had completed the requirements.
Product: Credit reporting or other personal consumer reports

Equifax I was disputing some inquiry they claim I did but it wasnt me. They cant produce any type of proof it was me. my credit is locked for the sam

e reason. They furnishing false facts. They didnt even investigate. Report XXXX.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has
been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit 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 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 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
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 : XXXXXXXX XXXX Account XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or a 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: Money transfer, virtual currency, or money service

CSh app that is owned block inc. I have called multiple times no answer just a messages. No response from company
Product: Debt collection

I sent XXXX letters to XXXX XXXX XXXX on XX/XX/year> about XXXX XXXX XXXX  account in the amount {$800.00}. the strange is that I still have my XXXX XXXX XXXX  phone in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported late payments to all 3 credit bureaus ( Experian, XXXX, and XXXX ) for periods where they were made aware that the signers employers were completely shutdown due to the covid national emergency. XXXX reported negatively for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I attempted to rectify this with XXXX and they refused. I also attempted ti rectify this with the all the credit agencies and they completely disregarded the CARES act along with my entire dispute. 

This completely violates my rights under the CARES act : Congress acted by passing the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act or the Act ), billed in part as a comprehensive COVID-19 relief plan. Recognizing the importance of consumer credit reporting, the CARES Act included provisions which attempt to protect consumer credit if the consumer enters into an accommodation with a furnisher of consumer credit data. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by COVID-19 during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates.
Product: Credit reporting or other personal consumer reports

Reporting agency reporting information from an organization ( XXXX XXXX XXXX XXXX ) that I have no legal or contractual obligation with. Falsely reporting without consent of consumer. Organization not licensed to report in Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd time contacting you all regarding my disputes to Experian, XXXX  and XXXX. I can understand that it may be a slight delay but to not just respond to disputes at all is totally unacceptable ... Can someone please review my disputes. 


XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX-xxxxx-Unverified Account XXXXXXXX XXXX XXXX XXXXXXXX Unverified Account XXXX  -- -xxxxxx-Unverified Account XXXX XXXXXXXX XXXX-xxxxx-Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX-xxxxx-Unverified account XXXX XXXX Date of Birth XX/XX/1974 SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

The last time I sent these Consumer Reporting Agencies some letters, I asked them to process a REINVESTIGATION on these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I only received your system-generated letter in a mail from XXXX, with a File Number : XXXX. Aside from that, no resolution has been made. You know, this is very important to me because I am trying to maintain my credit scores to the best of my ability, so I can request for future loans which will be used for some important purposes. If they wont correct these errors and mistakes that they have furnished on my credit report, then these would definitely hinder my chance to apply for some credits.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I have taken proactive steps to address inaccuracies on my credit reports by engaging in the dispute process as outlined by the Fair Credit Reporting Act. I have submitted formal disputes to the credit bureaus regarding inaccurate and misleading information on my reports. While I have made an effort to rectify these issues, I believe that the resolution process could be expedited and improved. I am seeking assistance from your team ( CFPB ) to facilitate a fair and thorough review of my credit reports and to ensure that any erroneous negative items are promptly removed from all three credit bureaus, I am open to the company in question conducting an open review of my credit history to facilitate this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CONTRACT CALLERS INC ( Original Creditor : XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CONTRACT CALLERS INC ( Original Creditor : XXXX   XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry on my credit report is unauthorized and has no relation to me. Kindly remove it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Someone has been applying for credit in my name I have XXXX inquiries that dont belong to me on my XXXX credit report
Product: Credit card or prepaid card

I obtained {$100.00} rewards with this credit card. When i redeemed it, i received {$1.00}. Bread Cashback bank is aware of the problem but they keep extending when this problem will be fixed. Now they don't even answer the phone anymore.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/year> with a balance of ( private ) and a collections account opened at XXXX XXXX XXXX I on XX/XX/year> under the account number ( private ). These accounts have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

I was charged an interest rate that was higher than the limits set forth by the Attorney General office for auto loans, the purchase amount of the vehicle was not disclosed, the vehicle was repossessed and sold leaving a deficiency balance of {$6400.00}. My original bill of sale does not include the sale price of the vehicle, therefore, it is not know to me whether the deficiency balance is accurate or inaccurate. The lender has refused to provide the information and has reported to all XXXX credit bureaus a balance of {$10000.00} as written/charged off and is reporting active collection activity of {$8300.00} after the sale of the vehicle. The documentation from the lender states that the vehicle was sold for {$6700.00}.
Product: Debt collection

XX/XX/21 notified credence to stop calling. Credence allegedly notated account and then called twice more within 45 min. 

XX/XX/21 credence called XXXX, XXXX, XXXX. When I answered they immediately hung up and then call again later. 

XX/XX/21 XXXX called credence back to notify them again to stop harassing and asked to speak to a supervisor or manager they refused. 

I am a 100 % XXXX woman please make them stop.
Product: Debt collection

I was planning on purchasing a new home in the country. I inquired about XXXX XXXX and was told that I had 30 days to try out XXXX XXXX. I had it for less than two weeks when I decided to cancel and go to a cheaper plan with XXXX XXXX for TV and internet. I am a single parent and wanted to get the best deal possible to help save with monthly cost. I was not informed at the time of cancellation that I would owe them a fee for cancelling services, the only thing that I was told is that I needed to send the equipment back in which was done. A month or so later I received a bill from them saying I owed them hundreds of dollars for cancelling early, it was only 10 days into the service. I told them I was willing to pay for my service but was not going to pay a fee because I was told I had 30 days. I decided to go with XXXX XXXX whom also stated that I had a 30 day window and that I could cancel if not satisfied with the cable and internet service. I ended up moving out of the house after realizing I just could not do it by myself with XXXX children. I cancelled XXXX XXXX before 30 days and sent back the equipment as requested by XXXX XXXX. They ended up trying to charge me a cancellation fee as well. I did pay them what was owed on my bill and told them that it was stated that I had 30 days to cancel and that I had just been through this with XXXX XXXX so I made sure this would not happen with them if it did not work out. Now both of these are on my credit report and I need help getting them removed. They will not take it from my credit report. I have tried offering them a settlement amount, but that does not seem to make them happy. I have never bought a house and I am trying to do that in the next year for my children and I. Like I said I am willing to pay for the TV service that was used, but I should not have to pay hundreds of dollars for simply cancelling my services. I sent in all equipment as requested.
Product: Mortgage

XXXX  made a payment around XX/XX/XXXX and contacted the bank and they told me a duplicate payment was made and returned the payment on XX/XX/XXXX. 

I then received late notices in the mail, called Santnader to discuss the issue, and paid on XX/XX/XXXX. 
I will be making another payment on XX/XX/year> to get up to date. 

Since this error was made by Santernder I am requesting the {$490.00} + {$20.00} return check removed from this account. 

I am a long time customer of Santander and hold multiple accounts. 
I am very upset about the late fees and the fact this was reported on my credit report. 

Please assist me in removing the fee and this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, my IDR was approved for $ XXXX  monthly, however this was never applied to my account and resulted in a deliquent account by XX/XX/2018. After discovering the mistake and reaching out to fedloan servicing, they suggested i apply for forbearance to fix their own mistake of applying the new payment plan. This is to retroactively forbear the months of XXXX,XXXX,XXXX,XXXX and XXXX to XXXX of next year. This should never have been done or needed to be done if Fedloan had applied the IDR correctly in the first place. Now a year later, I am still dealing with the fall out with credit agencies. 

They are reporting 36 missed payments during this period and I have started 3 disputes that Fedloan has confirmed that I have these missed payments. I have no other recourse other than to go through legal means at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't 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. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX 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 transunion 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 XXXXThis 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 im XXXX now.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed that a fraudulent account is appearing, Please investigate and delete this. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX XXXX XXXX XXXX  XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit card or prepaid card

I am writing to request an investigation into, and routing action undertaken for a balance transfer check in my name sent to XXXX XXXX payments department. On XXXX XXXX, XXXX, I initiated a balance transfer offer through my XXXX XXXX XXXX account. My goal was to transfer owed debt in the amount of {$3900.00} from my Navy Federal Credit Union XXXX XXXX XXXX XXXX credit card, onto my XXXX XXXX. However, though I listed my name and account number correctly, I mistakenly listed the payment address as [ XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ] which I later learned should have been [ Navy Federal Credit Union XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX. I only realized this discrepancy after the new debt of {$3900.00} posted onto my XXXX XXXX statement on XXXX XXXX, XXXX, but I had not received the same amount to pay down my NFCU XXXX XXXX card. I called XXXX to correct the error, but was informed by their customer service that the check had already been processed and cashed. XXXX has sent me a copy of the physically mailed check ( enclosed ) as their proof a balance transfer payment check was sent out in my name. As the address was wrong, the check should have been returned to XXXX. XXXX XXXX cashing this check should not have been possible seeing as XXXX XXXX itself does not manage my account, NFCU does, but I did my due diligence and called XXXX XXXX customer service to request the balance transfer check either be routed back to XXXX or forwarded on to NFCU. However, my attempts by phone with XXXX XXXX have been rebuffed, representatives telling me that because neither my name nor account number are able to be pulled up by their system, they could not help me and could not locate the check information I provided them. 

I have already escalated my case with XXXX, which their XXXX response team has issued a statement on ( attached ), and I have even gotten representatives from XXXX and XXXX XXXX on a call together without resolution. XXXX has explained they can not recall the check themselves now that it has been cashed by XXXX XXXX. My bank, NFCU, similarly has told me they can only confirm they never received the check, and do not have the ability to request it be rightfully routed from XXXX XXXX. 

I have enclosed the following with this letter : XXXX. My initial XXXX XXXX letter indicating I initiated a balance transfer through them XXXX. The copy of the balance transfer check sent by XXXX to XXXX XXXX ( sent XXXX XXXX, reflected on my XXXX statement XXXX XXXX ) ( front and back ) XXXX. XXXX statement explaining they had sent the check XXXX. XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX response to my inquiry XXXX. XXXX XXXX XXXX XXXX letter attesting to XXXX XXXX XXXX that they never received the balance transfer check XXXX. My XXXX account statement showing {$3900.00} added balance transfer debt on XX/XX/XXXX I will include my NFCU XXXX account number for reference in the next section, but know this will not be found in XXXX XXXX ' system as it is an NFCU card.
Product: Debt collection

Per the FCRA as a federally protected consumer I am now opting out of any and all authrization I the consumer may have given you written, unwritten, verbal and non verbal per 15USC 6802 and privacy act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Accounts Reporting Negatively With Incomplete Account Information I have repeatedly sent letters to XXXX, XXXX, and Equifax asking them to delete the inaccurate information being reported on my reports by XXXX. They continue to report back to me that the information has been VERIFIED. 

I have repeatedly sent letters and made calls to XXXX asking them to either report complete account numbers OR remove these accounts from my credit reports. For over 15 years they have been reporting incomplete and inaccurate information to my credit files. They refuse to comply. This practice has made it difficult to manage and discern one loan from the next. 

While they might say they are truncating my account numbers to protect me, the FTC opinion says the opposite : In sum, a CRA that always scrambles or truncates account or social security numbers does not comply with Section 609 of the Fair Credit Reporting Act.

They state that by NOT reporting the entire account number, they are not reporting 100 % accurate information as required by Section 609.

Section 609 ( a ) ( 1 ) of the FCRA states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ). 

I am writing to request your help in having these SEVEN inaccurately accounts permanently removed from all three reporting agencies, Equifax, XXXX, and XXXX.