23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating!
Product: Credit reporting, credit repair services, or other personal consumer reports

there are multiple inaccurate inquiries on my credit report these inquiries are in violation of my federally protected consumer rights per 15 usc 1681 and 15 usc 1692 g inquiries are on attached ftc report
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report for XXXX regarding 3 mortgage accounts just updated with all my payments deffered during covid showing delinquent on all months. Only transunion is showing this and only for these 3 Mr. Cooper/ nationstar mortgage accounts. After defferment i paid all deferred balances in full. Never late, never reported late until just a couple weeks ago. This is damaging and ludicrous as i am working on business recovery from XXXX  and now i am being harmed by fraudulent reporting now suddenly showing up. I was in dispute for other payments and still am but suddednly adding late payments ( about 60 late payments ) during covid times is outright wrong. This needs to be corrected immediatley and negatives removed. This violates the cares act and is otherwise morally corrupt and causing me extreme harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not allowing me to dispute hard inquiries on my credit report even though I DID NOT authorize them and I have spoken with each inquirer and they have stated that they would request that the inquiry be deleted. But XXXX IS NOT doing anything. 

The inquiries are Barclays Bank Delaware : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXX Date Updated XX/XX/XXXX Credit Limit {$400.00} Pay Status Paid, Closed ; in accordance with the Fair Credit Reporting act XXXX Account # 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 card or prepaid card

Credit Karma advertised that guaranteed approval applies on their site. However, no instant approval during such. This process affected credit scores
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I mailed a notice of inaccurate reporting to JPMCB for furnishing information on my consumer reports that IS FEDERALLY NOT supposed to be visible. 

Specifically, a charge off and negative remark. As outlined in the Fair Credit Reporting Act, specifically 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report DOES NOT include report solely as to transactions or experiences between me and the person making the report. A charge-off is considered income, transaction history, and an experience between me and JPMCB and may not be furnished pursuant to the above mentioned law. 

It is now XX/XX/2023, over 30 calendar days from notice and delivery and I have not received any response from JPMCB or change on my consumer report.
Product: Credit reporting or other personal consumer reports

Account Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Account # : XXXX Account Name/ Creditor : XXXX XXXX XXXX of 15 U.S. Code 1681s2 states : ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX disease XXXX ( XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel XXXX  disease ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect.

A late payment on my XXXX XXXX  Account was reported on my credit report from XXXX, as stated above any late payment occurring as a result of hardship derived from the XXXX pandemic shall be deferred. this error has caused my credit score to drastically decrease and my attempts to resolve this issue with creditor have gone un-answered. furthermore, it has come to my knowledge that XXXX is incorrectly reporting my account opening date be XXXX, XXXX but are reporting these late payments occurring in XXXX which is inaccurate. i request these late payments and inaccurate information be removed from my XXXX, EQUIFAX, & XXXX credit reports. I have supplied documentation of inaccuracies below.
Product: Student loan

I was told by the agent ( Navient ) that my loans would be back dated for forbearance. 
, As well they actually have noted that all my loans were due at the same in reality they weren't, I had have recently have consolidated all my loans, but I have 17, late payments on one report, on another I have 45 late payments, all these years my children have had to suffer due to mistakes that have inadvertently affected my credit for years
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting that I am an authorized user on a XXXX XXXX credit card with a high outstanding balance. I am not associated with this card. It is an outstanding balance on {$5500.00}. I have no knowledge of this account. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are late payments on my report that is causing me hardships and XXXX. I am DEMANDING you to remove these illegal late payments under 15 U.S Code 1666b ( Correction of billing error ) you are illegally reporting transactions on my consumer report. According to 15 U.S. Code 1681b, permission is needed to report on my consumer report.
Product: Credit card

I have been a customer of XXXX XXXX XXXX XXXX XXXX  ) for more than XXXX years. Macy 's accounts are now administered by Citibank, NA. On XX/XX/XXXX, I received a notice from Citibank that my APR had been increased by a significant amount. The notice contains all required information, but I wished to understand the reasons for the increase as I had never been delinquent. 
I called the customer service line and waited for XXXX minutes to speak to a customer service representative. I explained that I wanted to know why the ARP had increased. He told me to have a nice day and hung up without further response. 
I still want a written explanation why my APR has increased.
Product: Credit reporting or other personal consumer reports

Despite providing extensive documentation and evidence, these fraudulent items persist on my credit report, causing significant harm to my financial standing. I initially reported the fraudulent items and since then, I have submitted attempts to rectify the situation. The presence of these fraudulent items on my credit report has detrimentally impacted my financial health, and I am determined to resolve this matter promptly. I, therefore, insist on a thorough and immediate investigation to correct and remove these fraudulent items from my credit report. I also request a detailed written response outlining the steps taken, the results of the investigation, and a clear plan for the items ' removal within the legally required timeframe. I trust that Credit Bureaus is committed to ethical and responsible reporting practices that prioritize accuracy and fairness. I believe in the importance of fair and accurate reporting, and I request your support in achieving this. I kindly request a prompt response to this complaint. I am asking for your help to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} 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

To Whom It May Concern, I am filing a formal dispute regarding Equifaxs mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Equifaxs handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Equifax 's credit report : XXXX XXXX account number XXXX XXXX XXXX XXXX  account number XXXX Despite submitting evidence to support my dispute, Equifax failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Equifax failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from Equifax vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

Potential Improper Reinsertion of Inaccurate Information : I am concern Equifax may have improperly reinserted information I previously disputed and believed to be corrected.

Equifaxs actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice.

CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers.

1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Equifax the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 
If Equifax can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 
I look forward to receiving a response within 30 days, as required under the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Due to a program I have been involved with, XXXX XXXX, I have closed my credit card accounts in an effort to avoid incurring unsecured debt. In XX/XX/XXXX I paid down my balance to XXXX on my American Express account # XXXX XXXX XXXX. In XX/XX/XXXX I called an American Express representative to request closure of my account and she confirmed to me that my balance due was indeed XXXX. In XX/XX/XXXX American Express sent me a statement with an entry they had made in error regarding a " transaction reversal '' dating from early XXXX. I've written to American Express numerous times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) requesting a correction and confirmation that my account balance is XXXX as I was advised when I closed the account in XX/XX/XXXX. Their only response is sending me multiple letters stating that they will be sending me " copies of statements that I requested ''. At no time did I request any copies of statements. This feels like harassment at this point and I've requested once again in a XX/XX/XXXX letter to confirm that I have a XXXX balance and they will not report any negative information to credit bureaus. I had this account with American Express for nearly 20 years and I have a stellar payment record.
Product: Credit reporting

I ca n't log into my online experian account and I know I am answering the security questions correctly. I looked on XXXX XXXX and an address in XXXX is showing up and I 've never lived anywhere outside of XXXX. I researched the property and.it says the property owner is a XXXX year old XXXX XXXX
Product: Credit card or prepaid card

Spoke to XXXX on XX/XX/29 regarding the application of my payment to 0 % promo. She is in process of fixing the issue, but it is a very strange situation and I believe the information provided was inaccurate. My payment was not applied to my 0 % promo and she said it was because of the date I started the 0 % promo. I asked where it said that and she said I agreed to it in the terms of my agreement. I asked her where that was in agreement and she said she didn't know. I asked for the terms to be sent. I found a terms copy in my messages and I could not locate where it says that the payments are applied based on the time you set up the promo not the expiration date. It also does not say this on any of the statements. I asked her to provide the start dates. however, the point is, that is not clearly shown anywhere that that is the terms and it does not say that on the part when I signed up for it. 

So the process they are making me follow is to get a refund of my payment and then pay the payment again now that the 0 % promo has expired. I am supposed to have that refund this week. However, I would like to point out that while they did give credit for the interest already charged on this, I am expecting that I will have to fight yet another interest charge because of this procedure. 

I think that if this is their method of doing this, it should be clearly explained in the promotion and in the terms. Again I could not find it anywhere. This is just plain sneaky and none of my other cards have employed this practice. It makes no sense that they couldn't just reapply the payment and I have to go through this refund/repay issue. I only wonder how many other people have been caught by this trickery.
Product: Vehicle loan or lease

I had filed a complaint with cfpb on a account I had with ford motor credit and the Executive Analyst XXXX XXXX said that if I got this paid off with there lawyers that we could resolve this account and get it remove from all 3 of my credit reports well I was able to get my ex-wife to finish paying them and tried to call the lawyers to get the account remove they said I needed to get back with ford but no one was able to get me to XXXX XXXX to try and get this resolved. I then decided to try and get in touch with him with you guys now I am hoping that we will in good faith get these removed of my credit report for me showing good faith and keep on my ex-wife to pay this account off XXXX I have done everything to make sure that you guys got paid I know it not your fault for what she did But I really hope you can help me get this issue resolved and have them remove this account from my credit since I was able to get her to pay it all off again thanks for your time XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX at XXXX XXXX, a {$300.00} money transfer via Zelle, a subsidiary of XXXX XXXX XXXX , XXXX. The XXXX transfer was sent to my TD Bank account but will not be available until XX/XX/XXXX. Overall, a service that was supposed to be immediate or reasonable, is taking 7 days. 

I expected the transfer to arrive within a reasonable time. It is stated in the XXXX literature that enrolled XXXX customers can expect payment within minutes. 

When I contacted my TD bank they said that they are not responsible because XXXX is a third party. I do not want the service of a bank that will not assist me with a customer service concern for a service they provide such as instant money transfer via XXXX as part of their service. 

I am enrolled in XXXX and I have a TD bank account. The transfer will not be available until XX/XX/XXXX. This is an abuse of customers. This money was needed urgently and is being held by XXXX/TD. 

The service is advertised as transferring funds within minutes and it is expected that funds will be available quickly when these services are used. These advertising are confusing and false and abusive to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in the process of applying for a mortgage for the past several months. The XXXX obstacle stopping us from obtaining the loan is Equifax. 

My lender has been unable to access my credit report from Equifax, and so have I. I have repeatedly contacted Equifax to resolve the issue with no avail. Ive been asked to send in documents to verify my identity over and over again. Starting in XXXX, I have sent in several copies of my drivers license and social security card after being told that the previous attempt failed. 

I have lost complete faith in this company as I have sent in my documents over XXXX times now, and have still been unable to access my credit report. I am unable to get a loan because of them, and have lost tens of thousands of dollars as rates have gone exponentially higher.
Product: Credit reporting or other personal consumer reports

Up reviewing my consumer credit report I discovered some late payments on my accounts which I have always maintained timely payments. Consumer reporting agencies play a major role in reporting accurately consumer information. According with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sky XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.

U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. I demand that these payments be updated to reflect their true status as paid on time.
Product: Credit reporting or other personal consumer reports

In accordance to with the Fair Credit Reporting act XXXX  account name 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, I am AGAIN disputing the following information that DOES NOT appear on my Experian consumer report : Wells Fargo XXXX XXXX lending account number XXXX This account is not being reported on my Experian credit file The account was opened XX/XX/XXXX For the past two years I have tried in vain to get XXXX to verify and report my Wells Fargo mortgage payment history of over 13 years. I have had the Wells Fargo mortgage since XXXX with an excellent payment history. I have repeatedly sent documentation from Wells Fargo showing they are reporting to XXXX yet no matter what proof I send, XXXX still refuses to report my mortgage history. I previously filed a complaint with the consumer financial protection bureau and Wells Fargo responded stating they don't allow personal reporting to credit files. This made no sense as I was not attempting to personally report but trying to get XXXX to verify my Wells Fargo account and actually report it as they should. I even hired a credit consulting firm who tried in vain for a year to get XXXX to report but still nothing. 
On XX/XX/XXXX I sent several documents to XXXX proving my Wells Fargo mortgage history and I have received no response back. I am NOT attempting to personally report my mortgage history, but am trying to get XXXX to verify and report it based on ALL the many documents I have provided proving my mortgage history. XXXX and XXXX XXXX both report my mortgage history. 
This error of not reporting my mortgage account kas kept my FICO score at least XXXX points lower than XXXX XXXX and XXXX. I was turned down for a loan due to insufficient credit history on my XXXX report.
Product: Debt collection

I received a summons but never received any prior notification on the attempt to collect the debt. Was not given the opportunity to dispute, validate or pay this debt. I only knew about the summons because I was contacted by a  3rd  party. There is also no validation of the debt in the court documents.
Product: Checking or savings account

Hello, When setting up my  " One Deposit Checking '' account with Citizens Bank, I specifically opted out of " overdraft protection. '' However, I received two overdraft fees of {$35.00} each, so I contacted Citizens Bank but received no help from them. If I have opted out of overdraft protection, why am I receiving fees? They seem to be quick  to tell me I ca n't be helped!     Thanks a  million for l ooking into this!     Thanks,  XXXX
Product: Prepaid card

They told me the card could be used at most stores but I can't purchase anything at all with. The card company is american express
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted police reports, affidavits, and court documents to Equifax surrounding an ID theft issue which caused my credit score to drop over 100 points. Equifax had fixed all the issues except a XXXX XXXX account that was part of the ID theft and documented as such on the police report is still reporting as both a charge off and past due ( illegal to report that way despite the fact it is ID Theft ). This account was initially not showing on my credit report 3 months ago but now it is back. This account which shows a past due and charge off amount of {$6000.00} is still drastically hurting my credit score. Equifax needs to remove this account too and then my score will be back to normal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting a late on my credit file. This late is for XX/XX/21. I did not receive any notices, calls or letter about the delinquency and didnt know i was past due until the late hit my credit. I was unaware of an annual fee that had been charged to my account. I have had this account open for a long time and never missed a payment, my credit is perfect other than this late. I didnt know that fee was going to be charged and if i would of know it would have been taken care of. Please remove this late from my credit file.