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

This is a follow-up complain to yesterday 's complain : XXXX.
I was able to finally talk to someone yesterday after I submitted the complain. I explained to them that I will get paid this coming Friday, etc. but they did not want to reverse the 2 overdrafts in the amount of {$72.00}. Today I am being charged again with another {$36.00} overdraft fee.
This is really abusive in their part after I called and explained the situation.
The resolution for these two complaints would be to reverse the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. It has harmed my family and I severely. Rectify this immediately!

This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I expect a written response from your credit bureau within 4 days of receiving this letter. Failure to respond will leave me no choice but to escalate this matter further, including reporting the violation to the appropriate regulatory authorities and pursuing legal remedies available under the FCRA. 

I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by the consumer.
Product: Prepaid card

I received a {$350.00} American Express gift card from my employer to make home-office purchases. I have tried to use the card to buy a laptop stand at XXXX or at XXXX and a mouse at XXXX ; however, my card continues to be rejected. 

The first time I called American Express, they told me that " for my convenience, '' my card can not be used online at any website that saves card data. When I pointed out that that is almost every online retailer, they agreed and said that it would be best to just use my card online. I explained to them that many of my co-workers have used the card to make online purchases without any problems and they had no answer as to why my card doesn't work. 

The second time I called, the agent recommended that I add the card to my mobile phone wallet and try to use XXXX to make a purchase. This strategy worked on XXXX but not on any other website. American Express has not offered me any other suggestions other than using the card in person at brick-and-mortar stores. 

I am attaching the current list of transactions that I've attempted to make with this card. Each time a transaction fails, American Express deducts XXXX from my card. The transaction list also includes the single successful transaction for {$68.00} at XXXX 

Unfortunately, the items that I need to buy for my home office are not sold in brick-and-mortar stores near me. I am at a loss for how to use the money that my company already spent to buy this gift card. 

Thank you for your help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information affirm continues to report to credit bureaus. Its been over 60 days since paying off loan. 
Affirm still continues to report inaccurate information to credit bureaus I have open loan with revolving balance account open. Numerous calls to customer service refuses to look into problem tells me not much they can do. 
I'm requesting affirm immediately report this account closed and paid off with credit bureaus
Product: Student loan

XXXX let me know on XX/XX/XXXX they were transferring my student loans to CRI and that CRI would reach out. CRI never reached out, and I had a loan payment on XX/XX/XXXX and could not access my account as my loans did not move over until after that date. I was the one who set up my own account by calling them multiple times since I needed to make my payment. They told me my loans were paused and I didn't need to worry. Now CRI is telling me I missed a loan payment, which is a lie since all of their information is incorrect/inconsistent. " Due to your loan status ( for example, your loan recently transferred to CRI, or you haven't entered repayment ), your payment schedule has not yet been generated. '' - this is what it says on their website when I go to payment schedule. If they have recently been transferred, why am I still being charged interest and why am I being notified that I was the one who missed a payment?!?! Absolutely ridiculous. I want it in writing that I do not owe any interest, late, and/or penalty fees while these loans continue move over. This has made me feel extremely uneasy and I do not trust whoever is working on this. I want this documented that I reported this, and I will be taking further action if this continues.
Product: Credit card or prepaid card

FRAUDULENT ACCOUNTS 1. Capital One account number XXXX XXXX - XXXX XXXX 2. Capital One Account Number XXXX 3. DEPT OF EDXXXXAccount number XXXX, XXXX ( XXXX ) 4. DEPT OF EDXXXX Account number XXXX, Loan ( XXXX ) I TALKED WITH THE DEPT OF EDXXXX  ON, XXXX, i SPOKE WITH THE CUSTOMER SERVICE DEPARTMENT EMPLOYEE XXXX XXXX XXXX WHOS BADGE NUMBER IS XXXX. I REPORTED TO EDXXXX THAT THESE STUDENT LOANS ARE FRAUDULENT, AS A RESULT OF IDENTITY THEFT. 
THE DEPARTMENT OF EDXXXX SAID THEY ARE SENDING ME A PACKET TO SIGN SO THEY CAN DISCHARGE THE LOANS AS FRAUD AND REMOVE THIS FRAUDULENT STUDENT LOANS FROM MY CREDIT REPORTING HISTORY. REGARDING CAPITAL ONE, I HAVE TWO FRADULENT ACCOUNTS. I TALKED WITH CAPITAL ONE TODAY, XXXX AND CAPITAL ONE IS DOING AN INVESTIGATION ON THESE FRADULENT CREDIT CARDS THAT DO NOT BELONG TO ME. I SPOKE WITH AN EMPLOYEE NAMED XXXX, WHOS EMPLOYEE ID NUMBER IS XXXX, ON XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the first late payment date in a string of late payments incorrectly. The first late payment was XX/XX/XXXX and I was consecutively late through XX/XX/XXXX. Therefore the string of late payments should have fallen off of my report in XXXX, XXXX. 
TransUnion is changing that first late payment date every month. I will never meet the seven year fall off mark because they push the first late payment date out monthly. That information is historical and should not be adjusted. They also are not reporting a full seven years. They say they have not received a full seven years from the bank and the bank says they have submitted a full seven years to Transunion. 
I have submitted 5 disputes with TransUnion, including in my submissions, is a letter from the bank showing the string of late payments and five credit reports showing the change in the first late payment date. 
The last change was the most erroneous. They changed arbitrary dates to OK. Leaving 90 day late and 120 day late payments without any previous late months. It makes no logical sense. 
I contacted the bank with my concerns that because I make two payments a month into escrow and then the payment is applied to the mortgage, this has confused TransUnion 's record keeping. I was told the reporting doesn't happen that way, but I only made one payment into escrow in XXXX and that payment shows up in my credit report. 
I have repaired my credit and am entitled to what the law provides for with credit reporting. I am powerless to make any changes because I am stuck between the bank and Transunion.
Product: Checking or savings account

I was attempting to open a bank account or apply for some loans and I was directed to wells fargo or led to Wells Fargo and decided to check it for any open accounts and to my surprise there was an account with my name on it with a phone number of my XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted formal dispute letters to Equifax, TransUnion, and Experian regarding multiple inaccurate accounts appearing on my credit report. These disputes were sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), and I requested that each bureau provide proper validation of the debts or remove them if they could not be verified. 

Despite my efforts, the credit bureaus failed to conduct a reasonable investigation. They continued reporting the disputed accounts without providing the necessary documentation proving that these debts belong to me. I specifically requested : Verification of how they obtained the disputed information, including whether the furnishers provided my Social Security Number, address, or date of birth. 
The name, address, and phone number of each furnisher. 
A description of the investigation process used to verify the accuracy of these accounts. 

I did not receive a sufficient response addressing these concerns. Instead, the bureaus maintained the inaccurate information on my credit report, which is damaging my credit standing.

I request that the Consumer Financial Protection Bureau investigate this matter and hold Equifax, TransUnion, and Experian accountable for failing to follow reasonable procedures to ensure the maximum possible accuracy of my credit report, as required under 15 U.S.C. 1681e ( b ). I am also requesting the removal of these accounts unless they can be properly verified with the necessary legal documentation.
Product: Checking or savings account

A Bank of America checking account was opened fraudulently in my name. This account was opened in XXXX of XXXX. I discovered the accounts existed XX/XX/XXXX because I received an email that this account was now opening a digital debit card. When I discovered this information and realized I was a victim of identity theft I immediately reported the fraudulent activity to Bank of America, all three major credit bureaus, social security administration and here at the cfpd.
Product: Credit card or prepaid card

I locked my TD XXXX credit card in XXXX or XXXX because it was impossible to cancel the card without a phone call to their sales reps. Recently I began receiving letters from TD Card Services indicating that I have a charge and am accruing interest and late fees. I called XXXX to clear this up and dispute any charges. During that call I was told that there was a charge from XXXX. I don't know where this transaction came from and I did not authorize it. However, the XXXX number is only a payment number. They can't handle disputes. The number the rep gave me is the same XXXX number and I can't get a hold of anyone to remove this charge. The other number on their website ( XXXX ) doesn't even work. There is no way to dispute charges online. I believe TD Card Services makes the cancelling of cards and dispute resolution deliberately difficult just so they can continue to charge exorbitant fees. I'm asking for the CFPB 's help in removing any charges and fees from this card and cancelling it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in recent administrative proceedings by the CFPB. 

I request a proper and thorough investigation of the inaccuracies I have reported, along with evidence of such investigation. Please let me know the steps you will take to ensure compliance with the applicable laws. 

This is the account I have marked as inaccurate. 

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

there is a delinquency from XXXX 2016 on a best buy account that i have, this delinquency is inaccurate and i have never committed this late payment, i have already faxed and uploaded creditors documents ( approval letter ) to the bureaus so they can update but so far no one has, please notify credit reporting agencies to remove this inaccurate delinquency from my credit report thank you
Product: Credit card

1. I have XXXX inquires from capital one on my credit report and I only applied once. I have disputed the inquires with the reporting agencies and they say they are legit. They are not. I had a freeze on my account until last year I removed it and started cleaning my credit and did n't apply for anything until XXXX 2016. So to rebuild my credit I applied for a capital one card and was denied but the reasons in the denial letter are incorrect. 1. it says based on your credit report from XXXX, there are too many delinquent past or present credit obligations. ( the only thing on XXXX is my car never missed a payment a collection from comcast that has been disputed and removed from all the other agencies but XXXX. and XXXX paid tax liens from years ago that I have asked many times to be removed they are paid and released. 2. Based on your credit report from XXXX, number of delinquent past or present credit obligations. Again all that is on transunion is my car never missed a payment and the XXXX paid released tax liens Nothing else. 
3. based on your credit report XXXX, number of collection accounts. there is XXXX that is in dispute and was found not mine by the other XXXX reporting agencies but XXXX refuses to remove. 
4.based on your credit report from XXXX, your credit bureau report has missing information about an account or accounts. ( I do n't understand this at all I check it every day and everything is there. 
If your going to deny the credit at least get the information correct. and stop auto inquiring my account. because the inquires are killing my score. 
XXXX XXXX, XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experians credit monitoring is showing that my usage for the XXXX card is at 68 % when my current balance is at {$0.00}, I need them to fix this current problem with XXXX XXXX so that it doesnt look like my utilization is high to potential creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX  XXXX, Last four of account number XXXX, Account name : XXXX  XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX, Last four of account number XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX XXXX XXXX off account. I just received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as CHARGE OFF, but also shows a past balance of XXXX. According to the FCRA, I have the right to an accurate credit report. please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Debt collection

This is a follow up complaint response to your recent claim # XXXX. I received your attempt to validate the debt that you are erroneously reporting about me. However, it does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? It shows nothing but my name, address, and a dollar amount. But I do not see my signature here or any of the other items requested from you. Perhaps I have been the victim of identity theft or fraud. I can certainly create similar documents on my computer, send them to your company and claim that you owe me money. Would that prove anything? 

You have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately.Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final good faith attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau, the Attorney Generals office, the XXXX XXXX XXXX  and the Federal Trade Commission should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful and negligent non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking actual damages or a minimum of {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the Fair Debt Collection Practices Act and each violation of the Fair Credit Reporting Act, whichever is greater and you will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Checking or savings account

I went to a merchant and charged {$40.00} for dinner. The merchant charged {$200.00} without my permission. I only signed for {$40.00}. After referring the case to Wells Fargo, they refused to refund the difference in funds and allowed the merchant to steal money from me illegally without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has ripped me off for years. First I have HARD INQUIREY from XXXX XXXX XXXX LOANS. This qas XX/XX/2021. I have done everything to show them this is their fault or computers fault. I don't know about fraud because how could they get past credit freeze which has been on report for years. What ever issue they transferred everything to XXXX and they actually are taught to do everything to say your wrong. How is our credit ruled by XXXX personel. This is there mistake and after paying them thousands to help with credit they have done nothing but be unproffessional.How could a hard inquirey go through with credit freeze and they don't follow FCRA sections like to sw every thing they did to show how they investigated. This isfeaud by the 3 biggest credit agencies because I have same prob l m with a company on each bureaus.