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

On XX/XX/XXXX I opened a My choice premium checking account at M & T bank XXXX XXXX XXXX branch ( XXXX XXXX  XXXX XXXX, XXXX XXXX CT XXXX ). The account had a promotional bonus of {$350.00} which would be credited by XX/XX/XXXX if the customer met the qualifying requirements. 
I did not receive the bonus on XXXX so I called the bank 's customer service department early that morning and a representative told me that I met the requirements but did not receive the bonus because the branch did not put a request in. I called the XXXX XXXX branch and spoke with XXXX XXXX XXXX XXXX who opened my account when I visited the branch in XXXX was out ) .He promised to call me back but did not call. 
So, this same day, XXXX, a few hours before bank closing I called the bank again but nobody answered. I left a voice mail but have not been called back. 
I am asking the bank to credit my account with the bonus which I earned. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Product: Debt collection

XXXX is reporting a collection from Aldous and Associates that I never had any account with Aldous and Associates. They are listed as the original debt holder on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care about this matter. I demand that you will remove all the inaccurate informations on my credit file that are unknown to me. Failure to comply will results in legal actions against you so kindly follow the law. Please remove the following items : XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$31.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Credit card or prepaid card

So I had previously filed a complaint against Bank of America for arbitrarily lowering my credit limit from {$7000.00} to {$4000.00} and reporting late payments to the credit bureaus even though I had in fact made monthly payments ( XXXX ). Surprise, surprise when a bank investigates themselves, they don't seem to find any wrongdoing! 

As a follow up to this in XXXX, I paid off the majority of my balance, leaving me with approximately {$400.00} of my {$4000.00} limit. 

Though I probably shouldn't be surprised at this point, this audacious institution committed another egregious act against my credit report XXXX on my birthday ), and lowered my credit limit from {$4000.00}, to {$500.00}, taking my reported usage from 10 % to 90 %! So let 's review! 

XXXX. Consumer illustrates ability to pay off over 80 percent of balance in spite of previous damage done to credit report done by Bank of America 2. Consumer is 'rewarded ' by having credit limit reduced and as a result, reported usage skyrockets from 10 % to 90 % When will the consumer finance protection bureau finally step in and take action against this shameless institution?!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my Experian credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX so I do not need XXXX to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX XXXX XXXX XXXX  if the consumer has provided documentation of XXXX to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

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

4th time EQUIFAX why are you reporting to XXXX, I asked you 3 times before and you keep dodging the Question NO answer, there is no dispute just the question you refuse to answer, I may need to contact other law enforcment to get you to answer
Product: Credit reporting or other personal consumer reports

This complaint is against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report, Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681i, which mandates a responsible investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial protection Act ( CFPA ), 12U.S.C.5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

I have attached the accounts that Experian for failed to properly investigate my disputes regarding inaccuracies in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please adjust the misleading information of this account : XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my XXXX  health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Product: Debt collection

this company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I sent a dispute to the XXXX at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. After I contacted them in XX/XX/XXXX it was then being reported as current but fell behind, even though I told them it wasn't me and I never made a payment. The account is XXXX/XXXX in the amount of {$990.00} and needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and XXXX and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
Product: Debt collection

I received a loan from Wise Loans in XXXX. Unfortunately, I ultimately allowed the loan to default. I received a call yesterday ( XX/XX/XXXX ) from a company called XXXX who claimed they represented Wise Loans and said Wise Loans wanted to take me to court. Unfortunately, they called me at XXXX and caught me completely off guard so before I could do any research, I reached a settlement, made a payment plan and paid them {$190.00} yesterday. 

I have attached the payment plan and a voice recording of the voicemail that was left to this complaint. There is no address underneath the company logo and the statement " this is ____ this is a debt collector attempting to collect a debt " was not stated. The phone number and extension of " XXXX XXXX '', whom I spoke with, is XXXX XXXX. 

I googled the company XXXX and the number they called me on and I could not find anything. In fact, there are similar complaints : ( XXXX XXXX   XXXX ). I contacted Wise Loans and asked if they could confirm that they were represented by the arbitrator XXXX and they directed me to XXXX XXXX XXXX. I called XXXX XXXX XXXX and gave me the name and phone number of the company who now owns my debt, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has deleted XX/XX/XX/XX/XXXX delinquencies on XX/XX/20.  Updated information was then sent to Experian to update credit report. They have yet to update. Disputed on XX/XX/20 with provided documentation from XXXX XXXX XXXX and still has not been updated. Disputed again on XX/XX/20 per Experians advise, uploaded letter from XXXX XXXX XXXX and Experian resolves dispute saying that the information is correct. We have a letter from XXXX XXXX stating they removed the delinquencies! XXXX XXXX has gone beyond what is expected and has been great. Experian on the other hand needs to do their protocols correctly.
Product: Checking or savings account

I received emails at XXXXXXXX XXXX stating that I opened a Capitol One 360 checking account and that account was linked to XXXX XXXX. However, I did not approve of this transaction. I attempted to call the bank, however they are not opened ( open from XXXX XXXX  to XXXX XXXX  ). I went onto Capitol One website and changed the phone number as well as security information to prevent any more harm.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau : My name is XXXX XXXX XXXX XXXX. I have U.S Bank checking account # XXXX. I want to complain U.S Bank branch locate at XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX U.S.A acted fraudulent when it sold money order without cash in it for me on XX/XX/2019. On XX/XX/2019 I went to U.S Bank branch locate at the address XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX to deposit {$9100.00} to purchase 10 personal money order checks in the amount of {$9000.00} that means each of money order has the money amount {$900.00}. US Bank took my monies in the amount of {$9000.00} but the big problem was when I deposited two money orders into my checking account at XXXX XXXX, the XXXX XXXX  loss prevent named XXXX said to me via phone on XX/XX/2019 that one of money order check # XXXX issued by US Bank on XX/XX/2019 at US Bank branch XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX had been returned to XXXX XXXX  without payment with reason stop payment. Therefore, I am able to state that US Bank acted fraudulent when it sold the money order checks for me without cash in it. Because this is serious fraudulent activity of US Bank to steal money in the amount {$900.00} from me, I request Consumer Financial Protection Bureau investigate and return the money {$900.00} back into my checking account at US Bank. I tried to contact US Bank customer Service and this US Branch but there was no response or resolve this big problem instead just hung up the phone or disconnect my call. 

If you have any question, please contact me via email at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Cell : XXXX Email : XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I signed a fraudulent contract with XXXX XXXX account number # XXXX at the amount financed of XXXX at 29.97 % with a finance charge of {$1900.00} which equals a sum of {$4900.00} according to exhibit A and payments where set at XXXX per monthly occurrence of 42 months according to this contract. I have found mistakes within the contract which has some consistency of some type of fraudulent acts and contrary to this XXXX XXXX is reporting negative remarks on my consumer report see exhibit B which dates on payments are inaccurate see exhibit C this is another mistake. XXXX XXXX is abusing interest rates deliberately on loan agreement just to have the consumer over pay which is fraud see this example of A true finance schedule see exhibit
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never been late on any accounts. i have set up auto pay since the beginning of the lease. Gm financial was completely not reporting the month of XX/XX/XXXX, marked XXXX, XXXX XXXX XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XXXX, XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance.
Product: Credit reporting or other personal consumer reports

I asked that my report be updated to remove an address that is being reported and nothing has been done and this was months ago
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( l ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit re-port. 
Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac- counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

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

I have accounts listed on my report that Experian is refusing to properly investigate and correct. I have been disputing but my dispute is not being resolved, because they are not providing me with the necessary information I can use to follow up with the dispute if the findings are showing correct. They only send me generated information that is electronically provided. I cant contact the provider of information if I have no idea where it comes from. I am constantly disputing and calling people and the bureau and creditors are not on the same page.The Accounts are listed in the attached report, which are 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

I first sent a certified letter to Equifax In XX/XX/2021, some collections or what not was deleted or removed. But some remained on my credit history. So I called them a couple days after receiving the one in XXXX and filed a claim by phone. I received a letter showing the collections I had in question and when I looked at the document. It said reinvestigation in process, which I haven't received anything other after that. I also may add that one company decreased their dollar amount by almost {$2000.00} although I don't owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I took a loan to buy a vehicle and in XXXX of the same year I had an accident and the car was lost after talking to the insurance company. I called the company to explain what had happened, at most companies what happens is they pause credit while you get insurance information, but here I didn't call them and they always gave me different information and even if I didn't have my vehicle if I had to make my car payments, in XXXX the company sent a check for the full value of what was owed, because the check had already been sent, so I called the company and told them I didn't want them to make a negative report. I called them on XX/XX/XXXX and what the person told me was that I did not have to pay that the check would arrive that same day and that from that day on I had 10 more days as the deadline for the check to arrive if on that day moment the check did not arrive there if I would have to pay the installments, then on XX/XX/XXXX the check arrived at their facilities and they cashed it the same day but on XX/XX/XXXX what they did was report to us My credit and that of my husband, since we were both in the loan, they affected my credit so much that it dropped more than XXXX points and I already filed a complaint but the answer they gave me has nothing to do with what I asked them what they said is that we spent more time knowing that they themselves told us that we had 10 more days to make the payment and that they were not going to report us and it is in a recorded call on XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, This is a verified complaint concerning Experian 's erroneous credit report. i : reported to Experian, that the three bankruptcies reported on my credit report have been not been obtained from reliable sources. i : included the response from bankruptcy court ( see attached ), reported my identity theft report to XXXX XXXX, reported my identity theft report to police ( see attached ) and to FTC ( see attached ). Although, i : communicated these to Experian, Experian wrote back to me in letter date XX/XX/2019, under report number XXXX, see attached, that the bankruptcy reports were obtained from XXXX XXXX which is incorrect, since, i : have confirmation from XXXX XXXX, that following my identity theft report to them, they would not and can not report anything to anyone. This can be easily verified over the phone by calling XXXX XXXX. This misconduct of Experian, in falsely stating that they obtained these information from XXXX XXXX, when they can not and did not, has damaged me economically and emotionally. i : therefore, present to CFPB to order Experian to immediately remove the three bankruptcies from my file simply because they were not obtained from XXXX XXXX and to grant other relief to me since i : have been damaged economically by Experian and its Co Parties Agent ( s ) Principle ( s )  misconduct as set forth above.