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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Inaccurate Reporting by Experian Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding inaccurate reporting by Experian. The account in question is with XXXX XXXX XXXX, which continues to be reported on my credit report despite having been removed.

I have obtained my credit report from Experian 's official website, which I will be uploading alongside my report from XXXX for your review. The discrepancies between these reports is that XXXX XXXX XXXX is still present on XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers.

I respectfully request that you investigate this matter to ensure compliance with federal regulations and to protect consumers like myself from erroneous credit reporting.

Thank you for your attention to this important issue. I look forward to your prompt response.

Sincerely,
Product: Credit card or prepaid card

During the month of XX/XX/XXXX I have tried using the co-branded XXXX XXXX XXXX XXXX credit card issued by Barclays Bank Delaware ( Barclays ) to make a by phone ticket purchase with XXXX XXXX and at various point of sale locations in Delaware. The card is proving to be useless. 
It took almost 45 minutes for the ticket purchase to be finalized because I was told there was an address discrepancy issue. There should not have been a discrepancy as my address has not changed in over 5 years - and the address on file with both XXXX XXXX and Barclays has been kept up to date. 
Notwithstanding that issue, I have had to spend nearly two hours on the phone with call center staff who simply can not grasp the significance of the issue I have encountered at at least 4 point of sale locations where my card - equipped with an EMV chip - has been declined. The card has also been declined when I tried to swipe it instead of dipping it. 
I have been told by the ill-informed call center representatives that I must use the Chip and PIN combination with this card at point-of-sale terminals. Well, that is impossible to do when the terminals don't prompt the consumer to enter the PIN. Is this a credit card or isn't it? 
Then, when I try to swipe the card. it's declined. This is embarrassing and a waste of time. I also think I am paying an annual fee for a card that appears to be useless other than allowing me better boarding position on XXXX flights and 1 free bag. However, since I don't use my American reward miles to purchase tickets, but only as partial payment for first class upgrades, the card offers no benefit for boarding or luggage allowances.

Barclays needs to better inform its call center representatives and its cardholders about the limitations of using this card in the U.S. where finding chip and PIN enabled terminals is rare.
Product: Credit reporting or other personal consumer reports

Mercedes is reporting a late payment on my account for XXXX I ask they kindly remove. I recently switched banks to XXXX XXXX XXXX XXXX. I automatically enrolled into auto pay as to ensure that I made payments on time and had no issues and was not notified of any errors etc. However, I was unaware that XXXX XXXX requires 4 additional digits if I am having them take directly from my checking account. I wasn't aware of this and it made me go past due and I didn't know until I checked my credit. I was never notified until I inquired after having a similar issued with XXXX. This was not my fault, I was unaware of the rule as I am new to XXXX XXXX. The funds were there.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

Unauthorized Inquiries Lobel financial :05/28/24 Global lending service : 05/28/24 Nowcom/rhino auto sale 05/07/24 Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable.

Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction.

Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.
Product: Checking or savings account

I opened an account with Sim ple ( BBVA Compass ) bank  several months ago. I have kept my account in good standing, but once I notified them I had moved overseas, they said they would have to close my account within a month.   XXXX  Despite being  a U.S. citizen, and still being paid in USD, the y still refuse to agree to keep my account open. When I asked for an actual explanation, all they could really come up with is " our Terms of Use permit us to close accounts at our discretion ''.   XXXX  I have included screenshots of my conversation with a support person at Simple.
Product: Debt collection

Well I have debt collectors keep calling me about something I have no ideas about I dont owe anyone at all I need help
Product: Debt collection

XX/XX/XXXX XXXX Dispute Department Please be advised of the following facts. First, since XXXX I have possessed an account with XXXX XXXX. Throughout that entire time I maintained my account in 100 % good standing. In XX/XX/XXXX I was involved in a motor vehicle accident resulting in a XXXX  XXXX XXXX injury. Due to this injury there have been numerous negative consequences to my life. Among these has been a severe hit to my income stream and my ability to service debt. When I was able to resume some level of function I contacted XXXX XXXX advising them of my situation. At that time they promised to work with me in an effort to resolve the matter without damaging or destroying my credit in the process. Last month I received a written letter from XXXX XXXX telling me that they had turned the matter over to a collection company by the name of Nationwide Credit. Since then I have received threatening correspondence from Nationwide.  Likewise, I see that my FICO score has been severely and negatively impacted by all three credit reporting agencies.

According to the CCPA of 1968 as well as the Americans with Disabilities Act and subsequent legislation, consumers suffering serious medical injuries, such as those I suffered, are supposed to be provided with certain reasonable protections, among these being some level of protection from unfair, damaging practices by creditors. Indeed, I have come to learn that in seeking to ease the burden of XXXX XXXX consumers these mechanisms were put in place specifically to avoid the sort of misery I am now being subject to by XXXX XXXX and Nationwide Credit. By taking the aggressive and negative steps these people have taken against me they are making a painful, horrible situation far worse. 

I understand the need of such companies to protect their interests. I sincerely hope that your agency may perhaps offer some fragment of assistance in helping to protect mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

The dates i started to write down are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( there were several more contact attempts/disputes that i deleted from XXXX ). XXXX is reporting an incorrect balance on 4 student loans that have {$0.00} balances. I've called XXXX, I've submitted online disputes, as well as submitted a copy of the last statement showing the accounts are paid ( {$0.00} balance ). XXXX has not done their job in verification of the information as they continue to show the wrong balances on the accounts. I've spoken with representatives and was lied to by the last rep who said the info was verified with the company Nelnet. I've called nelnet and they confirmed the account has a {$0.00} balance. XXXX is reporting I owe the following : {$5300.00}, {$7200.00}, {$5300.00}, and {$7400.00}. All incorrect! 

I've spoken with representatives and written emails to correct with Nelnet on XXXX XXXX XXXX XXXX The representatives ensured that the issue would be corrected on their end, yet its still showing up on my credit report and causing issues with me purchasing a car as well as a house. Please correct this incorrect information. Thank you.
Product: Credit reporting or other personal consumer reports

SchoolsFirst is reporting misleading information on my credit report. I have been disputing this inaccurate account for months now and they keep reporting it, which is harming my ability to get an apartment for my children. I feel taken advantage of and as a consumer in law this is grounds for me to get compensated for these violations.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX XXXX XXXX  {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

State employees credit union shared my account information with out my consent XXXX opened XX/XX/ XXXX XXXXXXXX opened XX/XX/ XXXX XXXXXXXX opened XX/XX/ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Attn : XXXX XXXX Branch Manager XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX, FL. XXXX Dear Ms. XXXX XXXX, Re :  Account Number XXXX First, I want to thank you for your services and kind support to both myself and my wife, XXXX in regards to our dispute relating to the above account. 

As per our conversation on XX/XX/XXXX, please find the attached documents in support of our dispute. It is clear that we made a payment online XX/XX/XXXX for said month ( see attached ), but the portal system scheduled the payment for XX/XX/XXXX. We have no control over when they get the money from our bank ; in this case they got the money XX/XX/XXXX. 

Even though the payments are due the XXXX of each month, XXXX XXXX allows us to make payments up to the XXXX of each month without penalty ; that is 10 days after the due date ( see attached example ). In this case the month of XX/XX/XXXX, XXXX XXXX got the payment 9 days after the due date, of which is XX/XX/XXXX We have in the past, made payments on the XXXX of some months and was not penalized. ( see coloberated bank statements attached ). This time their credit dispute department report our payment as delinquent to TransUnion, just 7 days after they received the payment, and as a result our credit score has been seriously damaged ( see attached ). Since then, we reached out to them verbally and in writing aimed at a fair resolution but they adamantly assured us they will not make any changes to their reports to the credit bureaus. 

I am now preparing a complaint to report to the Consumer Financial Protection Bureau and the XXXX, and the credit bureaus, but will not file it before the next seven days, in case your intervention makes a difference ( hopefully ). 
Thanks once again for your time, goodwill and effort in this matter. We do appreciate you, regardless of the outcome knowing you can only do so much in cases of this nature. 

Yours truly, XXXX XXXX Email Disclaimer This E-mail contains confidential information belonging to the sender, which may be legally privileged information. This information is intended only for the use of the individual or entity addressed above. If you are not the intended recipient, or an employee or agent responsible for delivering it to the intended recipient, you are hereby notified that any disclosure, copying, distribution, or the taking of any action in reliance on the contents of the E-mail or attached files is strictly prohibited.
Product: Debt collection

ALDOUS AND ASSOCIATES
Last reported XXXX XXXX  2024
$XXXX
fraud , un authorized transactions
Product: Credit card or prepaid card

On XX/XX/19 I purchased 2 plane tickets on the American Express Travel web site using all the American Express loyalty points I had available ( XXXX points ). The purchase with the points was confirmed ( see attachment ). I had contacted American Express Travel after the purchase to ask when the points will be applied because they were not immediately removed from my points balance. The rep stated that it could take a few days before the points are applied. 

On XX/XX/19 ( 20 days later ), I noticed that American Express had taken the next payment scheduled from my checking account and it included the full amount of the plane tickets that were paid with the points. 

On XX/XX/19 I called American Express and explained the problem, the rep had to transfer me to another rep at American Express Travel. I was transferred and explained the problem to the new rep. I was placed on hold for some time ( about 1 hour ) while that rep was following up on the issue. Eventually she came back and stated that there was an internal error applying the points and that I had to be transferred to a supervisor to rectify the problem. I was then placed on hold for some time and after a while the rep stated that I can continue to wait or get a call back. I agreed to the call back, but I never got a call back. 

I called American Express Travel that evening XXXX XX/XX/19 XXXX and had to start over explaining the situation to a new rep. I was then told that I again needed to be transferred to a supervisor. The rep took my call back phone number in case I got disconnected. I was then placed on hold for a long time ( over 40 minutes ) and no answer. I had to hang up because I had an appointment to go to. I never got a call back. 

I called American Express Travel again on the morning of XX/XX/19. I got a new rep who again took my call back number and after I explained my situation, he proceeded to transfer me to a supervisor. Again, no answer after waiting on hold for 45 minutes. I had to hang up. No call back. 

I am certain you would agree that I should not keep calling to get nowhere, I have attempted three times already. This is why I am filing a complaint. I had decided to book my plane tickets with American Express Travel in order to use my points. I even paid more for the tickets ( about {$200.00} more ) than if I had booked them with another agency. Not only did American Express fail to use my points ( even though I have a confirmation ), they proceeded to take the funds from my checking account for the full amount of the tickets. And since it has been very difficult to reach to the right person to rectify the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to remove these fraudulent inquiries from my credit report that wasn't authorized by me. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX XXXXXXXX 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

had requested Transunion to investigate a credit inquiry for lease consultants dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to lease consultants. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Complaint Against Equifax Inadequate Investigation of Bankruptcy DisputXXXX Dear CFPB Representative XXXX I am writing to formally file a complaint against Equifax for its failure to adequately investigate and resolve inaccuracies related to my credit report. Specifically, I have disputed the reporting of a bankruptcy three times with Equifax, and each time they claim to have verified the information using XXXX. However, my XXXX file has been opted out since XX/XX/XXXX, and I am providing proof of this opt-out status as an attachment to this letter. 

In addition, I have attached : XXXX. Documentation confirming that XXXX no longer retains my data. 
XXXX. Screenshots and credit reports demonstrating that Equifax is the only bureau inaccurately reporting this bankruptcy. 

Equifax has failed to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). Per 15 U.S.C. 1681i ( a ), credit reporting agencies are required to investigate disputes thoroughly and correct inaccurate or incomplete information. Given that Equifax continues to rely on a third-party source ( XXXX ) that does not have access to my data, this constitutes a breach of their obligations under the FCRA. 

I am demanding immediate removal of this inaccurate bankruptcy from my credit report. Failure to resolve this issue promptly will result in my pursuing legal action for damages, as allowed under 15 U.S.C. 1681n and 1681o, for willful or negligent noncompliance. 

Please ensure that Equifax addresses this matter swiftly and complies with its legal obligations. I request that the CFPB intervene to ensure that this error is corrected and that I am provided with documentation confirming the removal of the erroneous bankruptcy entry. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX Attachments : Proof of XXXX opt-out Screenshots of credit reports from all three bureaus Records of previous disputes with Equifax
Product: Student loan

I went to classed at Lincoln Tech Institute for 9 months and {$25000.00} in debt. to get a certificate of achievement as an A/C tech. which was a scam because as of today the XXXX of XX/XX/2021, I have not yet received my certification or any job placement as promised. I have been Struggling to pay back the loan and unable to get satisfaction from the Lincoln Tech Institute. Please advise me of what I can do.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my tederally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These accounts have violated my rights ; Validate Account XXXX XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXXXXXX XXXX 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.

16815-2 ( 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: Debt collection

I sent 2 certified letters to Caine and Weiner and still no response.The allege debt is for the amount of {$280.00}, Twice I have asked them to validate their claim and send supporting documents to me. They have failed to do so, time and time again. Its past the time for them to respond and yet they are continuing to report this bad debt on my credit report. This action is against the FCRA and I need it to stop asap.
Product: Credit reporting or other personal consumer reports

Another STILL WORKING ON THE ISSUE LIE as usual THEY WORK ON NOTHING THEY FIX NOTHING THEY SCAM EVERYONE AS REQUESTED FORWARDED TO F.T.C AND D.O.J