23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act these accounts have violated my rights : Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXXccount Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX 15 U.S.C 1681 Section 1681 Section 602A States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint 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 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, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's 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. 

These are the accounts and items that I have found to be inaccurate. XXXX XXXX XXXX credit account ending in XXXX reporting 30, 60 & 90 days late - Inaccurate XXXX XXXX XXXX  credit account ending in XXXX reporting 30, 60 & 90 days late - Inaccurate XXXX XXXXXXXX XXXX  credit account ending in XXXX reporting 30 days late - inaccurate XXXX XXXX XXXX credit account ending in XXXX reporting 30, 60 & 90 days late - inaccurate XXXX XXXXXXXX credit account ending in XXXX reporting 30 & 60 days late - innacurate XXXX XXXX XXXXXXXX account ending in XXXX reporting 30, 60, & 90 days late - inaccurate XXXX XXXXXXXX credit account ending in XXXX reporting 30 & 60 days late - inaacurate XXXX XXXX XXXX account ending in XXXX reporting 30 & 60 days late inaccurate Ally Bank credit account ending in XXXX reporting 30, 60 & 90 days late - inaccurate
Product: Debt collection

Conserve sold this old utility bill to XXXX in XXXX, yet they keep calling me XXXX 4 times a day threatening to put it on my credit report. They already are on my credit report. The problem is that they need to remove themselves since they sold the account. I am not going to pay them and still have XXXX on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XXXX2024 XXXX 2024, XXXX 2024, XXXX 2024, XXXX 2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank You for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all XXXX credit bureaus challenging the factual and accurate reporting of this account that is showing up on my credit report XXXX...... i have contacted them XXXX times and each time it comes back as verified as accurate ... ..how is this possible when there are multiple inconsistencies in the reporting between the XXXX bureaus???? i have attached a copy of the report with all of the inconsistencies circled ... ..they did not conduct proper investigations and are hurting ME the consumer ....
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> ss # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX To whom it may concern, I CANT ACESS MY CREDIT REPORT ALL ACESS HAS BEEN BLOCK Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom concern, I contacted capital one via mail and asked to validate a account that they say is mine. I requested that they capital one send me the following proof as they are obligated to do in accordance with the debt collection practice act, section 1692g under the law they have thirty days to supply proof, capital one did not instead placed a disagreement code with a resolution of dispute on credit file, that is not what the law says, I have not received validated information as i requested
Product: Mortgage

Account # XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX To CFPB : Im experiencing some concerns with Select Portfolio Servicing Inc. ( SPS ). My mother XXXX XXXX owned the property located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. I sent several emails and letter to SPS requesting to make payment arrangements because my mother XXXX XXXX. I was informed by SPS that I was approved to for a short sale and the property would be paid in full. I receive a letter explaining the terms of the short sale. I was required to send a cashier check or wire funds by XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I sent a check of {$1000.00} to pay off the short sale. On XXXX XXXX, XXXX, I called SPS to confirm that the payment was received by SPS. Also, I sent my mothers XXXX XXXX and estate affidavit. I was told by XXXX XXXX, Relationship Manager that the check was received by XXXX XXXX, XXXX. Also, I wanted to know the next steps since the check was received before the deadline. XXXX XXXX informed me that the account was paid in full and SPS would release the lien on the property and she stated congratulations. 

On XXXX XXXX, I called SPS to inquiry about the status with receiving documentation that the lien was released and the property would be in my name. SPS immediately stated that they didnt receive the payment and I lost the property. I sent a copy of the cashier check and I called XXXX XXXX to inquire whether the check was cashed. I was in formed by XXXX XXXX the check was cashed on XXXX XXXX, XXXX. 

My mother own the condo and I tried to settle the debt with SPS, however I feel they have tried to take advantage because they informed me that I no longer own the property. Please feel free to contact me at ( XXXX ) XXXX-XXXX.
Product: Prepaid card

I went to withdraw money from Bank Of America using a Bank of america state edd issued card and it gave an error message didnt dispense the money but subtracted the amount from my account I have trid to resolve the claim with Bank of America and they keep denting my claim and refusing to give me my money back
Product: Checking or savings account

Trying to link XXXX and XXXX apps to Pnc and wont work
Product: Mortgage

Had several mortgage loans change servicers outside of my control. The change in servicing companies is reflected in my credit reports. The problem is that these all now appear as new lines of credit, substantially lowering my average account age and therefore lowering my credit score.
Product: Vehicle loan or lease

After reviewing my denial, i attempted to contact finance co to get a reason why since it was based on false information. I was repeatedly forced to select options with automated person and no way able to request anything from them. I tried to call XXXX  but no one would answer my call..they repeat automated person and lead me to buy something. I dont know where the company got the false info and XXXX score shud not be denied. I verified thru other two bureaus i have only three inquiries but the co say i have 12. I have very low balances but the company claims my balances are too high. How can under {$200.00} balance be too high on a {$5000.00} or {$10000.00} available. Mortage and two credit cards almost paid off.
Product: Payday loan, title loan, or personal loan

Upgrade is incorrectly showing late payments during XXXX I have called 3 times to get this removed and have received no resolution. 

In addition, I reported this to a XXXX and its still effecting my score This error by Upgrade has cost me the ability to refinance my house and now I'm faced with higher interest rates.
Product: Credit reporting or other personal consumer reports

the company continues to state this account belongs to me it does not andx was taken out by my father without my permission
Product: Credit card or prepaid card

Bank : Wells Fargo Type of card : general credit card Issue : incorrect charges on account ( for purchases never made ) and bank resolution of dispute. 

Over a period of a few days, three charges appeared on my account from XXXX. They were, with the dates as shown on my credit card account statements : 1. {$26.00} on XX/XX/2023, 2. {$26.00} on XX/XX/2023, 3. {$33.00} on XX/XX/2023. 
Of these, only the {$33.00} charge was legitimate. I did not make the other purchases. 
I submitted disputes to Wells Fargo as to the other two charges. 
Wells Fargo resolved the dispute as to the XX/XX/XXXX charge. 
Wells Fargo forwarded the false XX/XX/XXXX charge to its fraud department. 
I received a letter on XX/XX/2023, stating that the fraud dispute was denied. Upon contacting the Wells Fargo claims center, I was informed that because I had made purchases at XXXX before, this was a " dispute, '' rather than a " fraud '' ( as Wells Fargo understands those terms ), and that therefore there was no fraud. I was then informed that because the issue was analyzed as " fraud, '' it was considered resolved and could not be further pursued. For example, it could not be pursued as a " dispute. '' I was left with a false charge on my account. 
I was not the one who had forwarded the claim in question to the fraud department ; Wells Fargo did so through its Claims Center. I had provided Wells Fargo with all of the information as to the transactions in question, either in writing or through phone to the Claims Center. Wells Fargo was aware that I had made other purchases at XXXX. The terms " dispute '' and " fraud '' as Wells Fargo understands them are not legal terms of art that customers can be expected to understand. They are merely specialized internal terms that Wells Fargo uses. 
I am left with a false charge on my account due to the ineptitude of the claims team as to their own procedures and the inadequacy of said procedures for claim resolution. Furthermore, the procedures are affirmatively misleading.
Product: Credit card or prepaid card

the SSN belongs to the SSA and anything purchase with that identifier number is a obligation of the United State 18 U.S.C. 8. Means that Anyone attempting to collect a debt from me is guilty of THE FALSE CLAIMS ACT ( FCA ), 31 U.S.C.3729 - 3733
Product: Checking or savings account

My account was closed by Chase Bank in XX/XX/2023, and they have frozen and are holding onto my life savings for six months now without providing any specific date or reasons for when they will release my money. I have been trying to follow up on my account status every week since it was closed, but every time I receive the same response : " The funds are under investigation by our legal department, and no release date can be provided. '' Chase is refusing to provide any further information, and there is no agreement that states Chase can hold customer funds without specifying a release date. Chase 's representatives also refuse to provide any protocol or agreement that grants them the right to hold funds indefinitely ; instead, they claim Chase can hold customer funds at their discretion. This situation is seriously affecting my current life and making it hard to pay my bills.
Product: Payday loan, title loan, or personal loan

XXXX : XXXX : XXXX XXXX We really appreciate your good intentions in order to resolve the issue. Full and final payment of {$500.00} today XX/XX/2020 looks absolutely fine. 
Kindly fill the below information once you complete the Money Gram ( money in minutes XXXX so that we can arrange the pickup of your payment and send over the full and final receipt for the payment. 

Receiver Information for XXXX to our account XXXX : NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX  STEPS : 1. Go to the nearest XXXX store ( XXXX / XXXX / XXXX  XXXX ; 2. Ask for XXXX XXXX ( money in minutes form ) ; 3. Receiver Option : Pickup at any XXXX XXXX XXXX  ; 4. Enter the payment amount ; 5. Select Same Day option ; 6. Kindly fill the receiver information mentioned above in this email ; 7. Go to the cashier and deposit the money along with the store fees, once you hand over the cash, you will be provided with the receipt and the 8 digit reference number. 
Kindly fill the information below and email us back : XXXX XXXX keeps emailing demanding money. I have no idea who she is. 
XXXX XXXX will not identify the company or provide a validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 have disputed several accounts with XXXX, Equifax, and XXXX on my credit report. They are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My data was involved in a data breach which caused identity theft. I reported this to them along with documentation and it still shows on my report. They never investigated anything just denied my disputes multiple times.
Product: Checking or savings account

I realized my Suntrust checking account was being charged for XXXX transactions that are not mine. The bank declined to take any documentation from me and only wanted the dates and amounts in dispute. The bank rep suggested that someone hacked my XXXX account rather than stealing my debit card. I explained that none of those transactions are showing on my XXXX, but she would not accept the documentation. XXXX is not accepting calls and can only handle disputes for transactions showing on my account so there is not way for me to clear this with XXXX. Therefore, I reported this as fraud with my bank. They denied my claim saying I have other XXXX charges on my account so this is " consistent with my previous banking history. '' Yes, I told them up front that I have an XXXX account and all charges look identical except for date and amount regardless of the delivery location as the bank well knows. Therefore, I don't understand how that conclusion is meaningful or fair. This is not a proper investigation. XXXX has a record of whose account those transactions were made on and the delivery address. They have the info necessary to find the criminal, but are not doing so and seem to have not even spoken with XXXX about this claim. The bank manager told me today that there's nothing else they can do to help me. The most recent charges were still pending when I called. They have since posted those transactions to my account and are refusing to take it off even though I caught it before it posted. This is beyond infuriating. 

There were 13 transactions from XX/XX/XXXX through XX/XX/XXXX as shown in the attached document. I've also attached my XXXX account showing my actual transactions and you can see the ones I disputed as fraud are not on my XXXX account. 

Fraud Transactions : XX/XX/XXXX {$34.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$26.00} XX/XX/XXXX {$26.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$29.00} Total Fraud Charges : {$330.00}
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Request for Assistance in Removing Unauthorized Inquiries from XXXX Credit Report Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in resolving an issue I am currently facing with unauthorized inquiries on my equifax credit report. 
My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX VA XXXX My contact information is XXXX and XXXX I recently reviewed my credit report and discovered several unauthorized inquiries made by equifax. 
These inquiries have negatively impacted my credit score and financial well-being. I believe these inquiries are inaccuracies and do not represent any legitimate business transactions or credit applications initiated by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I checked my credit report and noticed XXXX collections that I do not owe I need them deleted immediately
Product: Credit card or prepaid card

My Comenity Visa has been declined consistently over the past few days despite the account being in good standing. There may have been a charge the company flagged as " fraudulent, '' although it was not, but I have been unable to contact them via phone or their website to resolve this issue. My understanding is that I am far from the only one experiencing this problem with the company. Very frustrating, as several other accounts that depend on this card are failing now.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND TIME DIPSUTING THESE FRAUDULENT ACCOUNTS. THIS IS A VIOLATION OF MY RIGHTS AND ITS CAUSING MYSELF AND MY FAMILY HARDSHIP THAT SOMEONE WAS ALLOWED TO USE MY INFO TO OPEN THESE ACCOUNTS. PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect addresses being reported on my report that need to be removed The address XXXX XXXX XXXX is not correct
Product: Credit reporting or other personal consumer reports

COMENITYCB/SMILEGENFIN XXXX XXXX XXXX XXXX, OH XXXX RE : Inaccurate Credit Reporting ( XXXX XXXX XXXX XXXX Account Information : Creditor Name : CCB/SMILEG Account Number : XXXX To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following account XXXX Account number XXXX is reporting a balance of ( XXXX ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. 


Additionally, I also emphasize that a charge-off account should not be updated month-to-month, as this practice violates the regulations set forth in the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, which requires that the information reported be accurate and updated. In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, it was determined that a charge-off account should not be updated monthly, as doing so could lead to inaccurate and harmful information for the consumer, thereby violating their right to a fair and accurate credit report as mandated by law.