23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

First Bankcard sent a letter dated XX/XX/2020 stating that the credit limit on the card was changed to {$500.00}. The card had been issued with a {$800.00} limit. 

First Bankcard 's Customer Service was contacted by telephone regarding this matter on XX/XX/2020, requesting restoration of the limit to {$800.00}. The Customer Service agent stated the limit could not be changed for at least a 90 day period, and stated that it was a program-wide decision, not based on individual usage or actions. 

I reject these account changes and request that the limit be restored to the original {$800.00} amount. 

For wider context, there are news reports that companies engaging in this practice are likely motivated by the COVID-19 pandemic, although the Customer Service Representative did not mention this during the call. Constricting credit access to consumers during a time of crisis constitutes unethical behavior in the marketplace.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX {$95.00}.
Product: Debt collection

A collection account is affecting my credit sore. I want it remove because it 's not mine please I 'm trying to buy a house
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax On XX/XX/2019 my credit score was XXXX On XX/XX/2019 my credit score is XXXX thats XXXX points negative. 
When I called Equifax I made no progress the language barrier is so bad its impossible to get a word in edgewise and the nonstop transfer from one person to another the last call to equifax I was transferred 5 times answer security questions my name, etc. Furthermore, they cant explain the huge drop in credit score. I am a victim of identity theft whats the purpose of equifax if they have the authority to make such destructive change to my credit report without alerting me. I was under the impression credit reporting agencies are held to stricter rules and protection and peace of mind. There is no consumer protraction act here rather some non-English speaking none head can make my life XXXX. I work very hard to have excellent credit to only have it butchered by the very institution who claims security is the # 1 concern. As of today my credit score is in the low 600 range. Please investigate ... ..some type of law or protection needs to be in place so fools like Equifax cant rap my credit. 
Moreover, I sold my home over a year ago what do I have to do to change this and have the sale reflect on my credit report?
Product: Money transfer, virtual currency, or money service

I bought an item through XXXX paid with the app cash app. Never received my purchase. Contacted cash app support and they said there was nothing they could do for a refund. Not even a stop payment option.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am a victim of identity theft and am requesting immediate action regarding fraudulent information on my credit report. Enclosed, you will find a copy of my identity theft report from the Federal Trade Commission, my drivers license, and proof of my current address as verification of my identity. 

Under the Fair Credit Reporting Act ( FCRA ) 605B, 615 ( f ), and 623 ( a ) ( 6 ), I am entitled to have fraudulent information resulting from identity theft blocked and removed from my credit file. This request is not part of a regular dispute but is supported by documentation of identity theft. 

The following fraudulent accounts must be removed and blocked from my credit file : XXXX XXXX XXXX : Case Number # XXXX XXXX  : Account Number # XXXX I ask that you take immediate action to block and delete these accounts from my credit report as required under FCRA 605B, and that you notify me of the corrections. Additionally, I request that you send me an updated copy of my credit report once the fraudulent information is removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : FTC Identity Theft Report Drivers License Proof of Address
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to file a formal dispute regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) and other related laws, which have significantly impacted my financial well-being and peace of mind. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) in the hope that you will enforce the legal protections afforded to consumers like me. 

These violations have been carried out by multiple creditors and have resulted in severe damage to my credit profile. The consequences have been far-reaching, affecting my ability to secure loans, housing, and even employment opportunities. I understand that the purpose of the FCRA is to ensure fair and accurate credit reporting, and I implore the CFPB to ensure that these laws are enforced to protect individuals like me from unjust treatment. 

The violations I am disputing are as follows : 1. Unauthorized Inquiries : - XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXX XX/XX/XXXX ) - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX. Inaccurate Reporting and Unverified Accounts : - XXXX XXXX  ( Account Number : XXXX ) - XXXX ( Account Number : XXXX ) - XXXX XXXX ( Account Number : XXXX ) - XXXX ( Account XXXX XXXX XXXX ) - XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) - XXXX XXXX XXXX ( Account Number : XXXX ) Furthermore, incorrect personal information has been reported, including incorrect previous addresses. 

The emotional toll this situation has taken on me can not be overstated. The constant stress and XXXX  of being unfairly judged based on inaccurate and unverified information have caused sleepless nights and a constant feeling of hopelessness. I have even lost out on job opportunities due to the tarnished credit profile that these violations have created. 

I kindly request that the CFPB thoroughly investigate these violations and enforce the necessary actions against the involved creditors. Specifically, I demand that the unverified accounts mentioned above be removed from my credit report as they are damaging my financial credibility without proper validation. 

I am confident in the CFPB 's commitment to consumer protection and fair credit reporting, and I am hopeful that your intervention will provide the justice I deserve. 

Thank you for your attention to this matter. I have enclosed copies of relevant documentation to support my claims. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] if you require any further information. 

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

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : 1. Ramirez v. TransUnion LLC, 141 S. Ct. 2190 ( 2021 ) The U.S. Supreme Court upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} million in damages.

2. Johnson v. Wells Fargo Bank, N.A., 2020 U.S. Dist. LEXIS 12345 ( D. Md. 2020 ) Wells Fargo was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages.

3. Soutter v. XXXX XXXX. XXXX, XXXX , 498 Fed . Appx. 260 ( 4th Cir. 2012 ) XXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
4. Dixon-Rollins vXXXX XXXX XXXX. XXXX, XXXX , 753 F. Supp. 2d 452 ( E.D. Pa. 2010 ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( 2022 ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( s ) : 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

I am writing to formally dispute the information reported on my credit report in light of the recent lawsuit involving Experian, which I came across in my research. I believe the information in question has had a significantly negative impact on my creditworthiness, potentially hurting my chances at securing credit.

As part of my efforts to improve my credit standing, I previously submitted a dispute regarding certain accounts listed on my credit report. However, I received a response stating that the accounts were verified, despite my belief that they may not accurately reflect my credit history. After reviewing the lawsuit involving Experian, I feel that the verification process may have been flawed or incomplete, leading to these accounts being incorrectly reported.

Given the negative impact these accounts have had on my credit score and financial opportunities, I am requesting that these accounts be removed from my credit report as soon as possible. I believe that the verification process in question may not have been fully compliant with the standards set forth by the law, and therefore, I am requesting that the CFPB intervene and assist in ensuring the accuracy of my credit report.

Thank you for your attention to this important issue. I look forward to hearing from you soon. 

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

After reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the XXXX, XXXX XXXX and Equifax has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!
Product: Credit reporting or other personal consumer reports

I have been trying to fix the inaccuracies being reported on my Equifax account. I was locked out of the account after more than one dispute and spoke with a representative on XX/XX/. They told me to send a letter with a copy of my license and social security card. The confirmation # for the call on this day was XXXX. They told me that if I sent the above information, I would have access to my account in five days. I still do not have access to my account ten days later. Please see the attached letter that I signed and sent with the attached documentation.
Product: Credit reporting or other personal consumer reports

I disputed this account several times in the past. This account says closed, but then says it was open in 2023. XXXX had not been in service for several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

NO CONTRACT WHATSOEVER WITH ANY OF THE " SUPPOSED '' ORIGINAL CREDITORS LISTED BELOW, XXXX XXXX, OR XXXX XXXX. Recently, I received ANOTHER copy of my Trans Union report and to my surprise found that these accounts are STILL being reported by Trans Union. I have NO knowledge of these accounts. I DO NOT have NOR HAVE I EVER had a contract with XXXX  XXXX, XXXX XXXX, or any of these companies listed ( " supposed '' Original Creditors ). AGAIN, I am a victim of identity theft. These accounts are a result of identity theft. I am AGAIN disputing the following accounts!!!!!!! 

XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX These listed accounts are unsecured debts and the original creditor ( s ) NEVER had a contractual agreement with me. WHATEVER claims of a contractual agreement indicated by the original creditor ( s ) NEVER existed and therefore was cancelled. The original creditor ( s ) sold the account to XXXX XXXX and wrote it off on their corporate taxes as a loss and therefore had/have no claims against me. PLEASE DELETE AND BLOCK!!
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the credit beauraus for failing to comply with the FCRA, specifically concerning the accuracy of credit reporting and the handling of identity theft disputes. Despite my repeated efforts to resolve inaccuracies resulting from identity theft, XXXX has not fulfilled its legal obligations under the FCRA. 

The following are the key issues I have encountered : Failure to Investigate Disputed Information ( 15 U.S.C. 1681i ) : I disputed inaccurate information related to identity theft on my credit report. However, they failed to conduct a reasonable investigation within the required XXXX period. 

Non-Compliance with Identity Theft Provisions ( 15 U.S.C. 1681c-2 ) : After providing XXXX with XXXX valid identity theft report, they failed to block the fraudulent information from my credit file as required under the FCRA. 

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : There has not taken sufficient steps to ensure the accuracy of my credit report, despite being made aware of inaccuracies resulting from identity theft. 

Failure to Provide Required Notifications : XXXX did not provide timely and adequate notifications about the results of their investigation or clearly outline steps I could take to address the issue further. 

These failures have caused significant harm, including damage to my XXXX XXXX, emotional distress, and financial difficulties. 

Thank you for your attention to this matter. I have attached supporting documentation, including copies of my identity theft report, dispute letters, and correspondence with XXXX, for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX, 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 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions. 
XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I was contacted by a debt collection agency, Global Solutions about a debt owed by my deceased aunt XXXX XXXX. At first, they did n't want to tell me anything, and stated I had to give them a copy of the POA/guardianship because of HIPAA laws. Then, they call me the next day, and I say I 'm XXXX XXXX because they would n't tell me what she owed. They told me she owed XXXX XXXX Hospital-XXXX XXXX {$250.00} from XXXX. I have already paid that bill in XXXX XXXX from XXXX XXXX XXXX # XXXX. They keep calling my home and harassing me about a paid bill, and I 've already discussed the matter with XXXX XXXX Hospital. I want these people to stop calling my home and asking for 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 : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

unable to open checking account. early warning services appear on the application
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open ended consumer credit plan as late for any purpose.
Product: Credit reporting

XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition, what XXXX is reporting to my credit report does not correlate with the statement balance I received from XXXX. The statement balance I received from XXXX which shows a discrepancy to what they are reporting to my credit report is attached to this complaint and is a flagrant violation of the Fair Credit Reporting Act. The statement balance I received from XXXX is at least {$13000.00} less than what XXXX is reporting on my credit report and is a flagrant violation of the Fair Credit Reporting Act. XXXX is illegally reporting a higher balance than what they provided as a statement balance to further damage my credit rating in flagrant violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

( CFPB ) filed a lawsuit against XXXX. The lawsuit claims that XXXX failed to properly investigate consumer disputes and reinserted inaccurate information into consumer reports. The CFPB is seeking restitution, penalties, and for XXXX to implement new policies. What the CFPB alleges XXXX used faulty intake procedures to handle consumer disputes XXXX didn't share all relevant information with the original data provider XXXX accepted the original data provider 's response without proper scrutiny XXXX didn't use basic tools to prevent inaccurate information from being reinserted XXXX 's notices to consumers about the outcome of disputes were confusing or inaccurate
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for the XXXX card by American Express. I applied as the card was offering a XXXX membership rewards bonus points signup offer after completing {$5000.00} in spend within 90 days. I received my card and completed the spend on XX/XX/XXXX, before the 90 day cutoff to complete said spend. I called in to the customer service line in XX/XX/XXXX to  confirm that I had met the minimum spend and to check when the bonus points would post. A representative confirmed that I had met the spend, I was eligible for the bonus offer of XXXX membership rewards bonus points and that they would post after my next statement posted. After my XX/XX/XXXX billing statement posted, I called back in to customer service on XX/XX/XXXX at XXXX PST to speak with customer service. I reiterated that I was told that these bonus points would post after my most recent statement posted. This rep confirmed that she saw the XXXX membership rewards bonus points offer, that I had met the spend and that I was eligible. She they stated that the points take 6-8 weeks to post. I called back to customer service on XX/XX/XXXX at XXXX PST and inquired about the signup bonus of XXXX points I was due to receive. This representative stated that I was not eligible as I previously held the XXXX card. I explained to her that in the terms and conditions of the offer, it did not state this as an exclusion. I also re-stated the offer code I used to sign up and nowhere in the terms and conditions it stated that previous card holders were ineligible. American Express is using deceptive advertising and marketing practices to lure customers to sign up for credit cards, promising a signup bonus and then fabricating an excuse to not pay out the sign up bonus to customers. I would like American Express to honor the terms of this sign up offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022- Transunion received notice of the multiple entries on the credit report by a company called XXXX that did not belong to me. Transunion 's investigation was not thorough, as there is now even more documentary evidence that this intrusion is a result of identity theft.
Product: Credit reporting or other personal consumer reports

It is very upsetting that my credit report contains inaccuracies and incomplete information. My request to correct this information keeps getting disregarded and my credit score is unfairly affected.