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

Recently i did an investigation on my credit report and found an inaccurate account. 

XXXX XXXX XXXX  has violated my rights 15 U.S. Code 1681e - Compliance procedures ( B ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverified information ( A ) In General If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following Items from my credit report, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my accounts have been frozen to protect me from the fraud thats been happening on my account. There are 3 inquires that do not belong to me and I wake up. this morning to 4, even though my account is frozen! 

XX/XX/2022 shows an inquiry for XXXX XXXX which is apart of transunion. A soft pull with lending tree, simply logging into their site, was coded by transunion as a hard inquiry despite my credit file being locked. This is against my consumer rights and rights as a united states citizen and this is the 2nd time transunion has violated my account. 

The first time they gave me a year free of XXXX. 

This can not keep happening as i'm trying to buy a home and your company is playing with my profile. 

My account has been frozen since XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED USE OF MY CREDIT WITH AUTO LOANS AND ETC. Unauthorized INQUIRIES - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Companies Involved : XXXX XXXX EXPERIAN 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 The companies listed have reported the following accounts improperly and illegally. 
I respectfully request that these accounts be removed from my credit profile with all deliberate speed. 

XXXX XXXX : this account has XXXX balance. Please remove. 
XXXX XXXX XXXX : this account has XXXX balance. Please remove. 
XXXX : this account has been charged-off, Please remove Under FCRA guidelines these closed and charged-off accounts need be deleted from my profile.
Product: Debt collection

The company LVNV Funding had the wrong address once they reported a debt to my credit report for owing a XXXX XXXX XXXX  {$630.00}. For months I had disputed the debt, they could never verify the debt so eventually they deleted it in XX/XX/year>. Fast forward to today, and it has been added back to my credit report with another address I do not recognize by the same company. They are reporting that I have an address in XXXX XXXX, South Carolina. I have never lived in or been associated with XXXX XXXX, South Carolina let alone having a debt there. If no action is taken, I will be disputing the debt and hiring a lawyer as this is definitely an unethical and aggressive practice by the company to obtain and collect a debt. I have so far got it removed from my XXXX  and my XXXX  but it is still on my XXXX. I have also got the address they falsely provided deleted off of my experian. They are still reporting on my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

company continues to provide incorrect information even after being shown the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX SS # XXXX DL # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX XXXX am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my Equifax Consumer report. I have NEVER requested credit from the following accounts : XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. 
Agencies + XXXX XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. 

Agencies + XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX All Banks + XXXX  Inquiry : XXXX. XXXX, XXXX Miscellaneous Reptg. 

Agencies + XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Equifax report immediately! 

XXXX XXXX XXXX
Product: Checking or savings account

Hello and thank you so much for taking the time to help out, I really appreciate it! 

I love that Bank of America overdraft is only {$10.00} so first wanted to give positive feedback on that. 

I did want to please reach out and see if I maybe eligible for a courtesy waiver of a handful of the overdraft charges my account has? 

I understand how overdraft works and dont mind being responsible for some of these however I wanted to please ask as a courtesy to have some of these waived? 

Thank you so much!
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit card

I filed a complaint with Barclay Card and FreedomPop and I am coming back. There is inaccurate disclosures from BarclayCard and FreedomPop. 
Charge was {$280.00}. FreedomPop agreed to refund {$260.00} and Barclay will cover the {$16.00}. Freedom pop responded with only {$250.00} within 5 business days. 
I also never pre-authorized FreedomPop to charge my card again, they just have my credit card info for the first charge. Any mediation, arbitration, dispute with merchant should be done with myself and the merchant only ... and Barclay should stay out of it. I went through bankruptcy once and I want to stay in control of my expenses. 
I attach my XXXX account with their set up ... all pre-authorized charge, recurring, non recurring ... so the consumer can manage it ... not the credit card provider.
Product: Credit card or prepaid card

I have had this credit card since XX/XX/2008and have never missed a payment. I asked to be signed up for the online banking account in XXXX and spoke with someone on the phone to set that up. At that time I updated my email address but did not intend to opt into " paperless billing '' as the way that I manage my accounts is via paper. 

I received an email the first week of XXXX telling me that my credit limit has been dropped from XXXX to XXXX due to non payment on my account. I was astounded as I always pay my bills. I called BoA and paid my account in full and told them I never received a notification in my email that there was a bill ( and I have searched my email account and I didn't ... wasn't even in spam ). I asked that my credit limit be restored because this was an oversight and I have an excellent payment history. They said they would not restore the credit limit. 

Today I discovered that my XXXX checking account was overdrawn because Bank of America took not only my minimum payment but also the full statement payment from my checking account ( although I had a XX/XX/XXXXBALANCE ). I called and asked what happened as I had NOT authorized this. They said I did authorize it online ( I am not that old, but it must have been something that they automatically opt me into vs. something I chose to opt into ). Now they say it will take up to five weeks for a refund. So BoA has about {$3000.00} of my money, they have reduced my revolving available credit by XXXX and are completely unwilling to do anything to expedite it or consider returning my credit limit to where it was. Not to mention ... if I HAD opted into the auto payment of my account in the past ... how could I possibly have had a late payment last month? None of this makes any sense. 

I want to close my account but I can't do that yet because they took payment in two sets and I have to request the refund of the second amount 8 days from now ( why 8? I have no idea ). And I have to be the one to request this ... they won't just automatically refund me money that is a credit AND I did not authorize they take. They also said they won't return my annual fee because I " used their benefits '' already ( I don't consider using their service a benefit ... anything but ) I just can't believe how badly this company treats its customers and gets away with it.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am formally invoking my right to arbitration regarding my account due to unresolved issues that Ive been unable to address through standard dispute channels. Despite multiple disputes with the Credit Reporting Agencies, my account information remains inaccurate, leaving me no choice but to pursue arbitration per our agreement. 

This arbitration is governed by the XXXX XXXX XXXX ( XXXX ) and applies to all relevant parties as outlined in the original agreement. 

To potentially avoid formal arbitration, I propose a straightforward resolution : XXXX XXXX XXXX account number XXXX Please remove the debt in question from my credit report. 
Could you provide written assurance that my account information will not be shared with third parties? 
If these terms are agreeable, we can avoid arbitration. Please respond as soon as possible with either acceptance of this solution or further steps for arbitration. 

Thank you for your understanding and prompt action. 

Sincerely, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX || Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXX || Account # : XXXX - XXXX XXXX  || Account # XXXX XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : SPRING OAKS CAPITAL LLC Address : Account number : Your NAME : XXXX XXXX Your address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.
Product: Student loan

I do n't remember the dates but I know this started 3 months ago. I called Navient and was given a number of a company that I was informed I needed to go through to have the paperwork processed on my loan. I had to make 3 payments of XXXX that was debited directly from my account. 
I received an email a couple days ago from Navient saying my payment was going to be double what I was told on the phone. I now have my XXXX. I know school was not a mistake but having Navient might have been ... I can not afford these ridiculous payments. I 'm not making much more as an XXXX than I did as an XXXX. I certainly would have done my own paperwork to save myself more than 700 dollars if I had known that was an option. The paperwork company is XXXX XXXX. Also, I just noticed that my loan at that time was put in forbearance. I might add although Navient initially connected me with this loan processing company, today they said they ca n't tell me the name of the company over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I filed a complaint/ dispute against XXXX XXXX XXXX for this misrepresenting my payment history on my credit reports. They since corrected it. Now I received notification that they are reporting it delinquent again and the account has been closed. Even worse is that they are reporting it now to both Transunion and XXXX. Is this legal? 
Here is the timeline : On XX/XX/XXXX, my score dropped 69 points ( XXXX to XXXX ). Dispute made XX/XX/XXXX. When the dispute corrected the issue, XX/XX/XXXX, my score only went back up to 66 points ( XXXX to XXXX ).  Now, on XX/XX/XXXX, my score went down 50 points ( XXXX to XXXX ) because the " Current '' status was changed back to 30 days past due ( From XX/XX/XXXX ). 

The initial drop in my credit score was approximately 69 credit points, then it went back up only 66. How can they correct their mistake than take it back. I am in the middle of trying to get financing for my family 's business and this is hurting my chances. Isn't this illegal? How can these people continue to kill my credit score without proof. They are misrepresenting my account history. Who is going to hold these people accountable? I pay my bills and they are the ones XXXX  people and they get away with it. This is completely unfair.
Product: Debt collection

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

This account is not mine and cant be verified
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a bedroom set from Ashley furniture on or about XX/XX/2020. The purchase price was {$3100.00}. The set was brand new. Over the course of the past year or so I had issues with receiving a damage free headboard for the set. The headboard was approximately {$350.00}. I've had 4 headboards delivered, each one had noticeable damage. I was told after the first delivery that they usually try two deliveries, I've had 4. I had to identify the damage, the companies delivery team never did. I worked with the company each time a damaged headboard was deliver. Each head board had touch up paint on it after they were damage, the company knew they were damaged but still tried to deliver the pieces to me each time. The current headboard I have is the last damaged one they delivered. I asked that the matter be escalated to a manager, eventually the company stopped returning my calls. At that point I disputed the amount for the headboard with the credit card company Synchrony XXXX. Their response was, " It is the cardholders responsibility to work in good faith with the merchant to resolve the problem. The merchant has attempted to work with you in order to reach a resolution. Please contact them at ( XXXX ) XXXX, so they can help resolve your issue. '' This is not true, I made a good faith effort to resolve the issue with the company. Delivering damaged headboard after headboard is not a good faith attempt to work with me. My time is valuable, I didn't sign up for this when purchasing the furniture. I've attached a few pictures of the damage headboards, there were others that were taken by the delivery team.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All are being investigated by the FTC.
Product: Credit card or prepaid card

Macys never resolved the identity theft and fraud for my Macys Amex account. I contacted Citi and they informed me they had never actually received the police reports but i can contact Macys fraud department which knew nothing about what i needed. They stated a new card was sent out. I never used or had a card in my possession for the last 2 years.