23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Around the end of XX/XX/2019 I was making a payment on my Amex account. After the fact, i thought something looked out of place. There was someone elses bank account in the field to pull the payment from. I called, they deleted that bank account and I verified, then made my payment thinking everything was resolved. Fast forward to XX/XX/2019 I Come to find out yet again the 3 payments ive made since XXXX again came out of this other persons bank account. I contacted AMEX and told them I suspect a faulty backup/restore process or a data breach ( i have been in info sec for 20 years ). After XXXX weeks they finally returned the money to the other person 's bank ( After a privacy breach telling me this person name ) and are demanding the money I attempted to pay ( XXXX payments ) NOW. Then they accuse me of illegally using someone elses bank account to make payments. I only see the last four numbers, i have NO way of knowing this full bank account number. They refuse to follow through and find out how or why this has happened or to take accountability for these payments that I did attempt to make but they withdrew from someone elses account. I have spent 10-14 hours on the phone with Amex over this and need help.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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 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, credit repair services, or other personal consumer reports

XXXX & XXXX way to go on not doing what the law requires. Experian - How dare you insult me! What is it about my previous complaint that would make you think I am not intelligent enough to have written it when it's my truth!! I'll tell you what else is the truth. I went through the statements and found proof that not only am I making the monthly payments so the late history is inaccurate and CLEARLY not verified! But the balance is also wrong. The date of the last payment is wrong! So if you want to ignore me or make me jump through hoops maybe I should turn the FULL payment history, the multiple letters to the bureau and the creditor, the CFPB complaint, and the monthly statements over to a consumer attorney and to see if I have a lawsuit! I'm paying XXXX  XXXX  and they are NOT in compliance with FCRA reporting and your bureau did a half-assed job on looking into this. All I want is this corrected IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Checking or savings account

XX/XX/20 : Responded to an email solicitation to open a Chase Private Client banking account to receive {$2000.00} bonus after transferring more than {$250000.00} money or securities to Chase from a different banking institution. Offer link ) https : //account.chase.com/consumer/banking/XXXX ). Walked into the Chase Branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to talk to a Chase Private Banker to open checking account and a Full Service Brokerage account to transfer securities to Chase. After talking to the banker and informing them of my intentions to open the checking account and brokerage account to satisfy the opening bonus, Banker XXXX XXXX XXXX phone XXXX ) helped me open my checking account. She then passed me account over to XXXX XXXX XXXX phone XXXX ), a Chase Private Client Advisor, so he can help me open the brokerage account. At that moment, I again explained to XXXX XXXX my intentions to open a full service brokerage account so I can transfer my securities from a different banking 's institution to fulfill the requirement to obtain the bonus. He refused. He insisted to offer me a different investment product that does not qualify for the sign up bonus I came for. After going about 5-10 minutes, he straight out said that he will not help me open a brokerage account that will allow me to get the sign up bonus with a condescending tone. These two bankers basically tricked me to open a checking account and moments later told me that I can not get the bonus because they refuse to help me open a brokerage account so I can transfer my securities to Chase. This feels like a scam where they try to get people to open checking accounts to fulfill their quota and immediately refuse to help customers open a brokerage account so they can complete the requirements of the signup bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I paid an settlement offer to ACIMA ; this offer was given to me as an option to stop collection and reporting would be closed and ONLY be reported as paid settlement. 

In the month of XXXX I noticed the account stated that the account was closed on the month of XXXX and XXXX was reporting as N -negative. ( Attached ) I filed a dispute to correct this issue and within 30 days these months where updated. However, the updates where changed to on time for XXXX, closed for XXXX. 

Only days later I notice a XXXX point drop on my XXXX credit report. ACIMA credit reported N for the month of XXXX so I again had to dispute this issue. This dispute was updated on XX/XX/XXXX. However, the same issue has taken place. XXXX of XXXX is showing a negative reporting. 

As of today XX/XX/XXXX ( image attached ) this issue is still ongoing. I have reached out to XXXX just as I have each time this has happened to file a dispute. However the representative informed me that each time i complete a dispute it refreshes the paid debt and that I should reach out to the creditor. I informed the agent that I had tried to contact them through the email that they would previous send account information to me from. In response I was informed that account information could not be discussed through email and a number was provided. 

XX/XX/XXXX I called the number ( recorded conversation ) In speaking with the customer service agent and then a supervisor. I was informed that their credit reporting department does not speak to customers and nor does their legal department. They also told me to keep disputing it. I explained that this situation is causing a rollercoaster affect with my credit score and it needed to be resolved. The supervisor explained that all she could do is send an email asking for them to update the reporting and informed me to dispute it again. Im truly lost on what to do. Its clear that this is being done on purpose. The supervisor first told me she saw the dispute results and called out each day 1 disputed the account activity and then later in the conversation said she could not see everything.
Product: Debt collection

Company contacted my direct supervisor a few times while i was working regarding my debt and has left voicemail messages for evidence. Amount owed XXXX. I have reached out to settle debt and rep is rude has hung the phone up on me, told me what kind of person does not pay there debt.
Product: Credit card or prepaid card

XXXX XXXX ACCOUNT XXXX FROM WELLS FARGO WAS OPENED BY ME AHEAD OF MY MOVING TO TEMPORARILY LIVE WITH MY SISTER IN NORTH CAROLINA XXXX WELLS FARGO REQUESTED MY SOCIAL SECURITY CARD COPY FOUR TIMES, FIRST REQUESTING I FAX IT TO A NUMBER IN XXXX, THEN THREE ADDITIONAL TIMES TO A TOLL-FREE NUMBER. EVERY SINGLE TIME, THEY CLAIMED TO HAVE NOT RECEIVED IT. THE FINAL TIME, I FAXED IT FROM MY MOBILE PHONE USING XXXX AND SENT IT EIGHT TIMES TO ENSURE THEY RECEIVED IT. UPON RECEIVING THE CARD, I DISCOVERED IT WAS INACTIVE AND UNABLE TO BE USED. WHEN CALLING WELLS FARGO ON X/XX/2017 AT XXXX HRS AND THEN AGAIN AT XXXX HRS, THEY REFUSED TO CLOSE THE ACCOUNT UPON MY REQUEST. WELLS FARGO REPRESENTATIVES RESPONDED WITH " YOU HAVE TO SHOW YOUR ID AND FIVE FORMS OF ADDRESS VERIFICATION TO CLOSE THE ACCOUNT AT A WELLS FARGO BRANCH ''. AFTER INFORMING THE REPRESENTATIVE OF THE CARD ACT AND THAT THE LENDER ( WELLS FARGO ) IS OBLIGATED TO CLOSE THE ACCOUNT WHEN THE CUSTOMER REQUESTS IT, THEY REFUSED. I HAVE A WELL ESTABLISHED RECORD WITH XXXX, XXXX, XXXX XXXX AS WELL AS XXXX XXXX AND HAVE NEVER ENCOUNTERED PROBLEMS AS I AM ENCOUNTERING WITH WELLS FARGO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to call Experian on XX/XX/XXXX. On two different phone numbers. ( XXXX ) XXXX. And ( XXXX ) XXXX. I realized that on my credit report I have 4 inquires that I never did. 1 from XX/XX/XXXX from XXXX. 1 from XX/XX/XXXX from XXXX. 1 from XXXX XX/XX/XXXX. And one from XXXX XX/XX/XXXX. To dispute online it says it is not possible and to call so I called an couldnt reach a representative. So I XXXX XXXX   experian. And tried calling the second number. And again couldnt get ahold of experian. Experian is making it impossible to fix my credit. I previously in XXXX spoke with XXXX who said the inquiry will be removed. And these new inquiries are even more confusing as I never applied for them.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Submission ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Experian, and XXXX ) Date : XX/XX/XXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX Complaint Description : I am submitting this complaint regarding the inaccurate reporting of a charged-off account by XXXX XXXX XXXX XXXX to Experian and XXXX, which has caused significant harm to my credit profile and financial reputation. 

The account in question was charged off by XXXX XXXX XXXX XXXX in XX/XX/XXXX, yet it continues to be reported as charged off repeatedly for subsequent months and years, despite no payments or activity on the account. This ongoing reporting is inaccurate and misleading, and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Furthermore, XXXX XXXX XXXX XXXX  has failed to validate the debt despite my formal disputes with Experian and XXXX. Both credit bureaus verified the account without providing a method of verification, violating 15 U.S.C. 1681i ( a ) ( 7 ). 

Additionally, XXXX XXXX XXXX XXXX has securitized their receivables as disclosed in their XXXX filing with the SEC. This suggests that XXXX XXXX may no longer legally own the debt and lacks the authority to report it as a charge-off. If the debt was sold, it should not continue to be reported under their name. 

Specific Violations : XXXX. Failure to Verify Debt Ownership : XXXX XXXX XXXX XXXX  has not provided sufficient documentation to validate the charged-off debt. The credit bureaus have verified the account without proper verification, in violation of the FCRA. 
XXXX. Inaccurate and Inconsistent Reporting : The account shows inconsistent balances across Experian and XXXX. Experian reports a balance of {$1300.00}, while XXXX reports {$0.00}. This is further evidence of inaccurate and unverifiable information being reported. 
XXXX. Failure to Issue Form XXXX XXXX XXXX XXXX XXXX XXXX  charged off the account and likely took a tax deduction for the charged-off debt. However, I have not received a Form XXXX, which is required under IRS regulations for debts over {$600.00}. 
XXXX. XXXX XXXX XXXX Practices : The CFPB has recently sued Experian for sham investigations into credit disputes. This case reflects the same behavior, where Experian verified the account without proper investigation or validation. 

Evidence Provided : XXXX Credit Reports from Experian and XXXX showing repeated charge-off reporting. 
XXXX. XXXX Filing by XXXX XXXX XXXXXXXX XXXX  , proving securitization of receivables. 
XXXX. Debt Dispute Letters and Credit Bureau Responses, showing failure to provide proper verification. 
XXXX. IRS Form XXXX Submission to report potential tax violations by XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By ghting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your ndings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company veried and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either conrm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and veried information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, 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 instruction
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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, Company 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 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

I am writing in response to your recent correspondence regarding my dispute submitted through the CFPB Complaint Portal. While I appreciate the actions taken in response to my complaint, your decision to delete the XXXX XXXX account from my credit file constitutes an admission of inaccurate reporting, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Violation of the FCRA and Admission of Fault : 1. Deletion as Admission of Inaccurate Reporting By deleting the XXXX XXXX account, Equifax acknowledges that the account was inaccurately reported on my credit file. This action confirms that your organization failed to comply with the accuracy requirements of 15 U.S.C. 1681e ( b ). Inaccurate reporting caused significant harm to my creditworthiness, reputation, and financial opportunities. 

Case Law : XXXX v. XXXX XXXX. XXXX, 775 F.3d 1330 ( 11th Cir. 2015 ) : Inaccuracies in credit reporting that harm the consumer violate the FCRA, entitling the consumer to damages. 
2. Failure to Conduct a Reasonable Reinvestigation Your investigation of the XXXX XXXX XXXX XXXX account was incomplete and unreasonable. Verifying the account without providing any supporting documentation fails to meet the standards set by 15 U.S.C. 1681i ( a ). 

Case Law : XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3d Cir. 1997 ) : Credit bureaus are required to conduct thorough and reasonable reinvestigations. 
3. Emotional and Financial Damages Your failure to comply with the FCRAs accuracy requirements has caused me emotional distress, reputational harm, and financial losses due to the negative impact on my credit report. This has limited my access to favorable financial products and caused undue hardship. 

Demand for Compensation : Pursuant to 15 U.S.C. 1681n, which provides for statutory damages, punitive damages, and legal fees for willful violations of the FCRA, I demand immediate compensation of {$6000.00} to resolve this matter. This demand reflects the damages I have incurred due to your failure to comply with federal law.

If Equifax does not resolve this matter amicably by providing compensation and verifying the accuracy of my credit report, I will escalate this issue through : Filing a lawsuit seeking statutory and punitive damages under 15 U.S.C. 1681n.

Submitting additional complaints with the CFPB and FTC for your violations.

Next Steps : I expect a response to this demand within 15 days of receipt of this letter. Your failure to respond satisfactorily will leave me with no choice but to pursue legal remedies.

I look forward to your prompt attention to this matter and a resolution that ensures compliance with the FCRA while addressing the harm caused by your actions.
Product: Debt collection

I never applied nor did I go to school this loan is not mine. Several times I have requested proof that this is my debt Have been told several times would send documents. They have not sent anything. It has been over XXXX years that this dept has ruined my credit
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent letter to Jefferson Capital Syst and I haven't received any information back. I noticed some discrepancies on my credit report the should be corrected.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds is impossible and tracking these transactions was unfeasible. The CFBPs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Master Card has Virtual Account Numbers so you don't have to use your actual credit card number on the internet. For the last 5 days ( XX/XX/XXXX thru XX/XX/XXXX ), the numbers created are being declined when used. They never put out an alert that the system was not working or shut it down. Everything in the system seems to work, but the cards are declined. Even cards that were generated before the problems. I have talked to technical support twice ( after 15 min. of menus each ) and all they say is " there working on it ''. They refuse to shut down the site or put out a warning. They also refuse to agree to send out an alert when the Numbers are working again. This has led to overdue bills and missed sale prices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX OF XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX OF XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

Every few years I keep getting phone calls from a company claiming that I got a payday loan in the state of Texas where I have never lived. I keep providing information and then they will stop and then sell the debt to another junk collector. They contacted me today and threatened me. I have submitted a Ceast and Desist letter several times and I am still being harassed at work and at home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late