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

I opened a Wells Fargo Everyday Checking account on XX/XX/XXXX, funding it with a {$25.00} deposit from my XXXX XXXX savings account. Everything went through an the account appeared in my online banking. I then also redeemed {$25.00} of cashback from my Wells Fargo credit card, so my account balance should have been {$50.00}. A few days later, I got an email stating my account would be shut down. I then went into a Wells Fargo branch to deal with it, and what they did was create a cashier 's check for {$25.00} and use it to open a new account. They said that the {$25.00} deposit from my XXXX XXXX savings account had been rejected, and that they would return it to XXXX XXXX, but the money never came back. When I called, they said they couldn't fix it, so they stole {$25.00} from me and will not return it even when I call. 

Additionally, I got another note today saying that the new checking account is being shut down too. I have called multiple times to answer security questions and they keep incorrectly claiming I failed, and will not help keep the account open. I have answered the security questions correctly over 6 times, but they will not help.
Product: Credit reporting or other personal consumer reports

I filed a dispute on accounts XXXX with the company XXXX XXXX XXXX due to Identity theft. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company XXXX. 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting house. XXXX violates my rights as a consumer, as well as federal laws.
Product: Credit card or prepaid card

I am filing a new complaint to dispute the response that American Express recently provided to my CFPB complaint # XXXX, with their Ref : XXXX. 

In their correspondence dated XXXX XXXX, XXXX, they assert that they reviewed a call on XXXX XXXX, XXXX in which I was offered the pay over time feature, that the representative read me a disclosure and that I agreed to the enrollment. 

American Express has clearly changed their position, as stated in their response. In the two previous and lengthy calls that I had with them concerning this complaint, the representatives and the managers who I spoke with, after putting me on hold for long stretches at a time, were insistent to me that I had elected to enroll in this feature online, on the XXXX website. And that this was also the reason they could n't show me any further proof of this transaction. 

So they have now changed their story from what they had adamantly represented as taking place online. I do not want an apology for the 'misunderstanding ' as they referred to it -- what I want is the proof. If in fact they 'reviewed a call on XXXX XXXX, XXXX ', then clearly they have it on tape and I am requesting that this recording be played for me as evidence of their new claim. If in fact these calls are recorded for just this purpose, then it should not be an issue to review.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has an incorrect address. The address on the report is   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX   XXXX  , NV. Other than when I was in the  XXXX , I have lived in Colorado my entire life. Associated with this   XXXX  . address are bills from   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX   XXXX  . Both amounts are less than {$100.00}. Every time I dispute these bills and ask for source documents to prove I owe, the bills are sold to collection agencies. When these receivables are sold as a package, the collection agencies reopen the outstanding debt, and it reappears on my report. I have a substantial credit history with mortgage, car loans and credit cards. I have NEVER been late on ANY amount I owe. There should be some protection against collection companies windmilling these bogus receivables. Thank you for all you do.    XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a major security breach at XXXX. I found out about this on XXXX today ( XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX ( thank you XXXX ). I checked XXXX and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through XXXX, Experian, and XXXX. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX : XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint number XXXX, filed against Experian. Experian seems to be confused as to the reason of my complaint. It WAS NOT a dispute complaint, as this is NOT the forum to properly file a dispute. The nature of the complaint was to inform the CFPB of the violations that Experian is perpetrating against me. As stated, I have formally requested on more than one occasion to have several trade-lines on my personal credit profile 'validated '. I have furthermore asked that according to the law, that after validation ( if possible ) have those validating items sent to me proving they those trade-lines belong to me. Validation proof, according to the law would be contracts with my WET INK signature on them. Experian HAS NOT followed the law according to the FCRA by sending me this validation. Yet Experian only sends that the trades-lines are 'verified '. The law states that there should be a 'reasonable investigation ' for a consumers disputes. Waiting 30 plus days to receive that the items are 'verified ' WITHOUT following the federal guidelines of my disputes are a gross violation of my federal rights.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY THE FOLLOWING ACCOUNTS FROM 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 XXXX XXXXXX/XX/XXXX
Product: Debt collection

This agency is violating my Consumer rights by using false misleading, misrepresentation, and deceptive means.I have made numerous attempts to fix these issues directly with them.High credit limit amount is not the same for reporting, credit limit is different amounts. They are violating my rights and I'm entitled to {$1000.00} for every violation, they either pay me or delete these accounts ASAP.
Product: Credit card or prepaid card

I made a balance transfer of {$5000.00} on XX/XX/XXXX with a promotional rate of XXXX which expires on XXXX XXXX. 
On XX/XX/2021, I made a purchase of {$5500.00}. 
On XX/XX/2021, I made a payment of {$5000.00}. 
The minimum payment was {$56.00}. 
The overpayment was applied to the balance with the lower interest rate. 
{$4900.00} should had been applied to the balance with the higher interest rate. 
I am now paying 18 % on a balance and my promotional rate balance is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received a letter in the mail from XXXX that the Chapter XXXX Bankruptcy on my Consumer Report was removed. On XX/XX/2021, I opened a dispute with Equifax ( Confirmation number XXXX ) to have the Chapter XXXX Bankruptcy removed, and on XX/XX/2021, they completed the investigation by responding with the following : Public Record Information This section included public record items Equifax obtained from local, state, and federal courts through a third party vendor, XXXX. 

However, on XX/XX/2021, I wrote a letter to the Clerk of Courts for the US Bankruptcy Court for the XXXX XXXX of Michigan asking if they report any public records information to the Credit Reporting Agencies or any Credit Bureaus. They responded with a letter that they do not as it is against the law to do so. 

So this public record information should not have come back as verified, because there is no source to verify it or that's reporting it. 

As of XX/XX/2021, I opened another dispute ( Confirmation number XXXX ) asking Equifax to reinvestigate this information and I have uploaded the same supporting documents which I have included in my complaint with the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute Experians handling of my recent credit report investigation. Specifically, I disputed the XXXX XXXX  account ending in XXXX, yet instead of investigating and addressing this dispute as required by the Fair Credit Reporting Act ( FCRA ), Experian improperly deleted the XXXX XXXX  account where I was listed as an authorized user, which I did not dispute. This unauthorized deletion has caused a dramatic and unjustified decrease in my credit score, significantly damaging my financial standing. 

I have contacted XXXX XXXX  directly, and they confirmed that this issue stems solely from Experian, as the account in question is still reporting accurately on my XXXX and XXXX credit reports. For your reference, I have attached documentation showing that the incorrect XXXX account was deleted. 

Under the FCRA, you are legally obligated to conduct a reasonable reinvestigation of disputed items and ensure the accuracy and integrity of the information in my credit file. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, highlighting systemic failures including : Failing to properly investigate consumer disputes, Ignoring consumer-provided evidence, Failing to communicate dispute results adequately, and Relying on unreliable responses from furnishers. 

These practices align with my experience. Despite my clear dispute regarding the XXXX XXXX  account ending in XXXX, Experian failed to investigate the matter appropriately, marking it as updated without resolving the issue. Simultaneously, you wrongfully removed an account that I never disputed, further demonstrating gross negligence. 

I demand that Experian take the following immediate corrective actions : 1. Reinstate the authorized user XXXX XXXX  account to my credit report ( see attachment ) XXXX. Remove the XXXX account XXXX XXXX. Provide confirmation of these actions in writing within 15 days of receipt of this letter. 

Should you fail to take corrective action, I will have no choice but to file a formal complaint with the CFPB and pursue all legal remedies available to me under federal law. Experians inaction has already caused significant harm to my financial position, and further noncompliance will not be tolerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is the only bureaus reporting 2 erroneous items from XXXX XXXX XXXX ... These are not valid and they are old. I do not owe this and I have disputed it with you several times and I would like to know exactly how you verified it. E oscar is not valid verification and I need this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX You have never dealt with this before! You excuse of unacceptable. 
An investigation needs to be done into fraud you are reporting on my credit report. The excuse XXXX  is suing is unacceptable. XXXX perpetrated fraud and you have displayed that fraud on my credit report.
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. 
Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX
Product: Debt collection

Creditor XXXX XXXX XXXX & XXXX XXXX had damage my credit and falsely report information to my credit agencies of late payments and such ; knowing long time ago I was XXXX by the time I wasnt able to pay as they already have all proofs I sent them plus the proofs in other complaints I called them to let them know my situation and to freeze my account but they continue maliciously to charge fees and report to the credit agencies and for instance damage my credit then sold the account to XXXX XXXX. This account is too old and its statues of limitations has expired and is a corrupt account that has damage my credit without giving a though in my situation before and even though its amount is minor I wont pay it because I think they owe me more for false report and harrass and damage my credit.
Product: Credit card or prepaid card

My credit card accounts with same bank were closed for no reason. Their reason being I have too many new accounts. I have never been late to pay my bills and I have over 800 credit XXXX score. I did not have any balance on them. I feel like Im being discriminated against either for my race or for where I live. And lots of people of my same race have the same issue. I have checked with my friends that arent the same race as me and dont have a long and confusing last name like mine none of them are having the same issue. I know % 100 that I am being discriminated against by citi bank. I am XXXX  national.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX XXXX, XXXX account number XXXX, has violated my rights. 15USC 1681 Section 602 8 States I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2. I also state a consumer reporting agency can not furnish my account without my written instructions. I know I have the right to privacy the following other accounts also have violated my rights. CB/VICSCRT account number XXXX, XXXX account number XXXX. A second XXXXXXXX XXXX XXXXXXXX. XXXX account number XXXX. XXXX? XXXX account number XXXX. National Credit Adjust account number XXXX. XXXX XXXX account number XXXX XXXX account number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Actually my issue is not listed on your drop-down boxes. For the pas t four p lus years I have frequently used credit monitoring services, including Equifax direct credit monitoring. I was very  ill  XX/XX/XXXX to  XX/XX/XXXX .   Do to medical bills and lost wages, I had major credit issues. I worked hard with my creditors to resolve my issues. I have also used several credit repair services to help me correct true mistakes. This cost me hundreds of dollars, I also had to contact attorney over  two o f my creditors. Recently when I tried to pull my credit from Equifax which is part of my Equifax monitoring service my file was extremely off and confusing. It had information that was not correct and none of my credit cards, lines of credit, Car loans, or current addresses were on the file. I was completely baffled and I call In multiple times. I was told by a gentleman and I use the term loosely, that I had inconveniences on my credit report. I asked him did he mean inconsistencies I was confused. I spent hours on the phone only to find out if there was a second file attached to me somehow. I 've called into Equifax multiple times trying to get them to close this extra file or at least distance it from my correct file. They stated that they were going to merge my file and I said absolutely not I did not know about the things that are on this file and many things are wrong. Currently I ca n't pull my credit file at all even though I 'm paying {$17.00} a month to be able to pull my credit report daily. They said they would eventually mail me something. This is unacceptable I 'm trying to purchase a condo in the next couple of months, I am currently living with family members in a supposed to be short term arrangement. I 'm sorry that they made a mistake, and I 'm sorry that they have some sort of data integrity issue. However none of that is my problem! I 've consistently given  Correct information when applying for loans, credit cards, lines of credit and for any credit! I have had my current mailing address for more than three years. The lack of assistance and accountability from Equifax is infuriating. Although I 've been able to pull my correct file for more than two years,  and I pay them with a credit card that is in my name only, they now want me to prove who I am? Are you freaking kidding me, they make a mistake and somehow it is my responsibility to fix it! This needs to be resolved immediately. I do thank you for your assistance I know you have a tough job, and I know there are many people that are frustrated ... .so I thank you in advance for any assistance are able to give me. I just feel so lost right now.  <P/> **I do have a long list of names of the people I spoke with.. from  XXXX  to  XXXX  and no  one he lped fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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, credit repair services, or other personal consumer reports

We moved to XXXX in XX/XX/2019 from XXXX. I wanted to unfreeze my credit to a different credit union for banking. We have had our credit froze for several years, but the CU we selected required a 'credit check ' and they use Experian. It easy to unfreeze with the other two agencies, but EXPERIAN was a nightmare. EXPERIAN 's telephone customer service does NOT work. I was on hold for an hour, then was told 'call back later '. I tried using Experian 's suggestions, only to find there compute system would not process my request after filling out their forms, then EXPERIAN required me to send a letter with my drivers license and proof of address. I did this ... and have NOT heard from them. I have tried calling, and only get a recording saying 'call back later '. This is absolutely ridiculous!!! All I want is to unfreeze my credit.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, THE FOLLOWING ACCOUNTS ARE CLAIMING TO BOTH OWN THE SAME DEBT WITH A BALANCE. AS YOU KNOW, THIS IS NOT POSSIBLE AND ALSO A VIOLATION OF MY RIGHTS. BECAUSE OF THIS, BOTH ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY DUE TO NOT PROPERLY VALIDATING THE INFORMATION IN WHICH A COMPANY HAS PASSED TO YOU. PLEASE DELETE IMMEDIATELY. 

WHEN THE REQUESTED ABOVE DELETIONS ARE MADE, PLEASE MAIL ME AN UPDATED COPY OF MY CREDIT REPORT : XXXXXXXX XXXX  XXXX