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

On XX/XX/, I submitted a request to XXXX XXXX to investigate the accuracy of information being reported to Experian, XXXX and XXXX XXXX Credit Reporting agencies. XXXX replied with the attached letter dated XX/XX/, informing me the information was being reported accurately. I have illustrated these errors in the resolution to issue section below. No actions were taken to correct the obvious errors in the most recent XXXX credit reports that I have also attached. XXXX has failed at performance when it comes to this consumer loan failing to properly investigate on multiple occasions in accordance with Federal Regulations. This was a Joint acconnt and the XXXX Reports are inconsistent with XXXX and XXXX XXXX review the attached documentation and investigate.
Product: Credit card

I have a Chase credit card with a few zero percent balances on it. They have not been crediting my payments to the balance with the soonest end date for the zero percent offer. On inquiring with them, I discovered that their policy is to credit payments to the balance ending first until the soonest ending balance is withing 60 days of ending. I believe that the balance ending soonest should be treated as the highest interest balance and be credited first. Their policy is in no way clearly stated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency.

List Incorrect Names & Addresses List Erroneous Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seg.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report.

I request a thorough investigation into these inaccuracies.

15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed.

kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report.

Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened an account at Robinhood to invest in crytocurrency, and transferred {$10000.00} to the account at first on XX/XX/year>. And on XX/XX/year> I withdrew {$5000.00} back to my bank account. Immediately after, my account was locked and restricted and I couldn't access my funds to invest or withdraw. 

I emailed the Robinhood support team asking how the restrictions could be lifted and they asked me to submit photos of my driver 's license ( front & back ) and photos of myself ( front, left, right ), which I did on XX/XX/year>. But they didn't resolve the restriction or respond to my request or provide any explanation for 2 weeks. 

After the wait, they emailed me to call the support team to resolve, and I tried to call several times with the case number, but once they put me through it would say my case number is closed repeatedly from XX/XX/XXXX through XX/XX/year>. 

I emailed the support team twice that the case number is closed and I was not able to speak with support. And they emailed me back to request a call from the Robinhood App and I did on XX/XX/year>. I was in the queue to be called then until now. 

I received a call moments ago today, XX/XX/XXXX to follow up on the issue. I was told my account is under review and asked a couple of questions to verify the activity on the account. But when asked, they would not confirm when or if my account would be released even with the verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXXXXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXXXXXX XXXX. I did not authorize this.
Product: Student loan

I have sent messages and emails to the company requesting my payoff statement with no response. Called their number and they have me on hold for hours and hours. Currently I have been on hold for XXXX hours and XXXX mins. spoke with one representative around the XXXX hour mark and was told they needed to transfer me for the request I was asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance {$540.00} -Late/Closed Late Date XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection Agencys Name and Address LVNV FUNDING LLC Dear Sir/Madam : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 
I am disputing this debt because I do not owe it. 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report infor- mation correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C.

1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Yes, I'm writing this letter so the world can see how horrible well Fargo is I have made multiple calls to them regarding an unauthorized transaction and they told me to just relax that they will take care of it within 10 business days but it has been over 2 weeks and nothing has happened yet!!! this company is screwing me over and trying to mess up my credits for these 2 transactions!!! we need better customer service! 

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX {$200.00} {$300.00} XX/XX/18 XX/XX/18 XXXX XXXX   XXXX XXXX XXXX XXXX # XXXX {$22.00} {$320.00} XX/XX/18 XX/XX/18 BALANCE TRANSFER XXXX XXXX XXXX XXXX # XXXX {$15.00} {$340.00} These aren't mine and it shouldn't be there.
Product: Vehicle loan or lease

I purchased a new Harley Davidson motorcycle in XX/XX/2020. I was excited to get my first bike despite no one informing me of their Military Purchase Plan which has XXXX money down and very low interest rates. Despite having a credit score of over XXXX I got financing for a $ XXXX XXXX through Harley Davidson Financial at a rate of 19.5 % and 72 months with a monthly payment of {$600.00}. Then Covid hit and I had many more expenses than before. I also was given new orders in XX/XX/2020 to report to XXXX XXXX in XXXX from XXXX XXXX in XXXX.All my payments were made on time until XXXX when I requested a forbearance for XXXX and XX/XX/2020. I kept getting phone calls from an unknown number and finally in XXXX Harley Davidson threatened to report me to my superior if I didn't make 2 payments. 
I contacted Harley Davidson several times trying to understand why they reported me 30 and 60 days late during the forbearance. I spoke to 4 different individuals and was treated poorly by several of them. I was being told that I have been negligent in making my payments and was even told that at one point my loan was over 90 days late! They all confirmed eventually that the forbearance was for XXXX and XXXX but failed to explain how it was overlooked and then billed for it. My final conversation was from XXXX who told me that the forbearance was for XXXX and XXXX yet they still show my credit report as being 30 days late in XXXX and 60 days late in XXXX. These lates have seen my credit report drop 100 points and they refuse to do anything about it. I asked about a refi to a lower rate and was denied immediately and I also asked who would refinance motorcycles and no one could give me a name yet Iron Horse is part of Harley Davidson and I was never given their information. I have repeatedly informed them of my financial hardship but they do not care nor are they giving accurate information that changes constantly. They claim to have recorded phone conversations and I would like my recent ones requested because they admit to what I am disputing.
Product: Mortgage

After refinancing with Reliance First Capital my monthly mortgage was XXXX. Then it changed after 6 months to XXXX I was told my escrow was too low. I was told in XX/XX/XXXX the pymt will go back to XXXX. I changed my home insurance XXXX XXXX to all state it saved me XXXX same amt of coverage. My yearly pymt went XXXX XXXX. XXXX. XX/XX/XXXX Now a couple of months after that I received a letter stating I have to have PMI insurance which was never added til now. My mortgage statement is requiring I pay XXXX Can you please advice me if reliance is ripping me off? 
Also not long ago I was looking into refinancing I realized the rates were too high so I declined. I received a call XXXX XXXX XXXX who did my refinance at Reliance first Capital he said & I quote I was watching you credit inquiring are you looking to refinance I said no I am not. We ended the call right after. is that legal? 
Signed XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items for my report. 

XXXX XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$220.00} XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$220.00}
Product: Credit card or prepaid card

There was a fraudulent charge in XXXX. In my opinion, USAA should have informed me that this was a suspicious charge since I do not use this card and suddenly there was an out-of-state charge. They did not. I noticed it in XXXX and reported it. They removed the fraudulent charge, but I have repeatedly called and had long times on the phone trying to get the resulting charges from USAA to be removed. They either disconnect or say that it's up to them whether to refund the charges and I will find out in 3 days. But there has been no resolution. There have also been conflicting answers on whether they will handle this with the credit bureaus.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 604 A it also states that a consumer reporting agency can not furnish a account without my written instructions.

Delete these accounts
Product: Mortgage

I clicked on a website for 'get current mortgage rates ' and filled out my name, address. Immediately someone from Quicken Loans called me. I specifically told him all I wanted was current rates and he said he just wanted to know about my current situation so he could see if he could help. He then apparently submitted a mortgage application in using my name because I received a denial letter. I did not apply for any mortgage from this company and this has to be illegal on their part.
Product: Credit reporting

there is a collection on my equifax credit report, # XXXX it was only a checking account and equifax has it listed as a credit card or loan??? how can that be on a checking act only??? Secondly I have paid the XXXX $ and was told to file a dispute. I just got the paper work from the bank. How do I get a hold of equifax?? I would prefer to do by phone??
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. The following are the accounts that were disputed but not investigated properly. 

XXXX Bankruptcies reported on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am presenting this to formally submit my sixth and subsequent follow-up complaint, urgently requesting the removal of specific items from my credit file as a result of alleged identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I would like to emphasize that the credit bureaus are mandated to remove any disputed items no later than four business days after XX/XX/XXXX. This matter has been previously addressed in my earlier complaints, and I am reiterating my concern along with the attached Identity Theft Report # XXXX and supporting documents. The information provided by the credit bureaus on these items is unfamiliar to me, and it has already been successfully removed from other credit reporting agencies. I hold reservations regarding the accuracy of the report, particularly concerning the following inquiries and addresses that require immediate removal. Please see these items below that needed immediate removal before the upcoming credit report update within 15 days time : EXPERIAN : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America filed a late pay about me for about three months in 2018. However, this was due to the fact I was using their mobile app autopay. Their app updated itself and lost autopay function. But I was not notified. And I ended up not knowing the fee was not paid. It was very small like {$25.00} on the account, while I had {$40000.00} on the total account and was never late. They lowered my credit score as a result and I am unable to get my mortgage because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires on my credit report that I did not authorize. I have requested that they be removed and they have not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I had a 1 year lease for a duplex with a management company ( XXXX XXXX ) in XXXX XXXX TX. Management failed to address various maintenance issues, some of which posed a health risk for my sister who has severe reactions to certain allergens. I made repeated attempts to contact management by submitting requests through their online portal and by going to their office in person, which seemed to be the only effective way to get in touch with them. 

After months of failing to address our maintenance concerns, it was clear that XXXX XXXX had no intention of upholding their end of the lease, so I went to their office and told one of their epmloyees that I wished to vacate. Management agreed to terminate our lease prematurely, indicating that they would not refund our deposit, to which I agreed. They disabled my online payment portal on XXXX/XXXX/XXXX, so that I could no longer access my service request history or other correspondence I had with the management through their website. I never received any " Past Due '' notifications or other correspondence indicating that my account was thought to be in default. 

This account should have never gone to collections, and if it did it was only because some disgruntled employee at XXXX XXXX must have thought it would be funny. I never received any correspondence regarding a " Past Due '' account from XXXX or National Credit Systems, and I have n't received any other indication that there was an issue with this account until it appeared as a collection on my credit report XX/XX/XXXX. I have an immaculate payment history aside from this collection, not so much as a late payment anywhere on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, the Bureau issued an order against Block, Inc. ( Block ), a nonbank headquartered in XXXX, California which operates Cash App, a mobile payments application through which consumers can send and receive money through peer-to-peer transfers. The Bureau found that for years after the inception of Cash App, Block failed to provide effective customer service for Cash App, including by failing to provide live telephone agents, which prevented consumers from being able to have their financial issues addressed in a proper and timely fashion and resulted in fake customer service lines through which consumers information would be stolen, in a manner that was unfair in violation of the Consumer Financial Protection Act of 2010 ( CFPA ). The Bureau also found that Block failed to take timely, appropriate, and effective measures to prevent, detect, limit, and address fraud on the Cash App platform in a manner that was unfair in violation of the CFPA. The Bureau further found that Block used the card network chargeback process as a substitute for fulfilling its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate and resolve disputes about unauthorized transactions in a timely manner in violation of the CFPAs prohibition on unfair practices. In addition, the Bureau found that Block engaged in deception by misrepresenting that it protected consumers from unauthorized transfers and had a telephone line to report such unauthorized transfers. The Bureau also found that Block failed to comply in multiple ways with the requirements of EFTA and Regulation E, including regarding error resolution. The order requires Block to change its practices to comply with the law, pay at least {$75.00} XXXX in redress to consumers, up to {$120.00} XXXX. The order further requires Block to pay {$55.00} XXXX in civil money penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with Santander Bank, which I have paid off. They say I owe more however they refuse to tell me how much is owed. They reported me to the credit bureau ( s ) for being late. They did not give me any answer to my questions. I want my questions answered. They did not inform me they were reporting me to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

capital one pottery barn lists me having a 30 days late on XX/XX/2020 and this is reporting incorrectly and i have notified the company and XXXX about this and still no correction
Product: Credit card or prepaid card

To Whom It May Concern, I signed up for a capitalone business card on XX/XX/XXXX last year. The reward was to spend XXXX in 6 months to receive {$2500.00} bonus and a {$500.00} bonus. I spent XXXX in 153 days however I was told that my 6 months ended on XX/XX/XXXX not XX/XX/XXXX ( which is the date thats actually 6 months later ). I didnt even receive my card until XX/XX/XXXX or at least 3-5 days later.. I filed a complaint with the card and the manager on the phone agreed with me and said that there is nothing in the fine print that would be preventing me from receiving the reward. I then received an email Ref # XXXX saying I didn't spend the money in the correct amount of time. Well I was given only 153 days. not 180 days. This seems quiet misleading. it should have been until XX/XX/XXXX. 

XXXX XXXX XXXX
Product: Checking or savings account

I had bank accounts opened in my name without my consent and money Wells Fargo took from me