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

Ive never been delinquent nor missed a payment. I paid off the balance and received a notice that the APR was increasing to 23.49 %. When I called Elan Financial Services, they informed me that it was due to the credit bureau report. My credit score increased by XXXX points to XXXX in the past month. This is a good credit score and there were 4 credit cards paid off so my debt decreased. Why is the APR increasing? This IS NOT a new credit card. There is no introductory rates as Ive had it for a few years. I will be attaching proof of my credit score via my XXXX credit card, the letter received from Elan and a copy of my account. This is abuse of financial power. During a pandemic, Im being punished for paying it off. They can no longer collect fees from me so they punish me for it. They must be stopped. This isnt fair nor right. I also tried to view my credit score per the services available to me, however, it kept routing back to the same page, basically, Elan says you can view your credit score for free but dont have this function/process active!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was processed before the due date, as shown in the attached bank statement. This error in reporting must be corrected. 
Clerical Error : There may have been a clerical error in how the payment was recorded. The payment confirmation from my records shows that the payment was made on time and should not have been reported as late. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have attempted several times to validate this debt, and that this company contacted me owns the Debt and they have failed to provide me proof of validation. They are not providing enough information and also using abusive language to scare me into paying them without them providing proper documents that they on the Debt in full. Pursuant to 15 USC 1692g as requested by the consumer the company must provide validation of debt they are also reporting to different account numbers and as a collection account but as an open account, there are a lot of discrepancies with this reporting and according to the FCRA all reporting must be XXXX XXXX accurate, XXXX XXXX verifiable, XXXX XXXX complete.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, FL XXXX.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX 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 any 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I do XXXX XXXX on the side I'm on XXXX XXXXXXXX and I was given two checks that I mobile deposited into my account. after nearly 20 years with US Bank, the checks I was given bounced, and my account was closed. never had a bad check in my life anything to that extent and checks I was given from a customer they close my account. I'm on full blown XXXX. they told me in XXXX that they would close my account anything that was owed they would deduct and then mail me my {$1300.00} check. here we are pushing XXXX I mean XXXX and have yet to receive that money and they can not close my account. this is absolutely absurd and I am XXXX off and I need my money to live on.
Product: Checking or savings account

I went into Wells Fargo bank to see about opening a business checking account. I was asked if my last name had changed and I replied yes. The banker asked me if I have ever had an account open their before under previous last names and I stated, yes, probably for a 401k account through previous employer. Then probably a week or two later, I received an email stating that I owe for a checking account that was in my name from 20+ years ago. I also had noticed through XXXX credit report, that there is an account open in my name at the bank mentioned. I just want the issues cleared for my name and credit history. I can't believe they would mention something from over 20 years ago!
Product: Credit card

I received a letter regarding credit card inactivity from Target for a REDcard. I tried to make a purchase on my card in order keep the account from closing, but XXXX different stores did not accept the card. I called Target last week about the not working card and we found out that the card I was using was unable to be used and they had not sent me a new card. The rep I was talking with was aware of the inactivity closure deadline approaching and assured me they would send me a new card quickly enough for me to have enough time to make a purchase and save the account. I received the card on XX/XX/XXXX. When I called in to activate the card, another rep informed me that the account was closed due to inactivity. I do n't have much time to speak on the phone at my job so I decided to call back another time. I called back today ( XX/XX/XXXX ) and asked the rep to transfer me to her supervisor. The customer service rep hung up the call on me. I could see the direction this interaction was about to go so I decided to file formal complaint with CFPB. 

In short, I would like my account reactivated in order to avoid a hit to my credit score. As explained, I would have been able to save the account but the card came too late, which is the company 's fault.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : AMSHERCOLLECTIONSERVICES XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR 08 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, I just received an updated credit revision in the mail today. I'm assuming this was mailed on XX/XX/XXXX. I have attached the copy of the updated Consumer Report. I circled the items on the XXXX accounts to show the discrepancies. The Contributor is XXXX XXXX XXXX # XXXX incident XX/XX/XXXX. This is why I know that Early Warning is targeting me. Please note that the last four digits of this account is the same as XXXX XXXXXXXX They have my drivers license updated through XX/XX/XXXX? During this time period it would've expired XX/XX/XXXX.. I haven't had a banking relationship with a XXXX XXXX XXXX XXXX since XXXX. There is no way XXXX reported my current license expiration to XXXX. There is the same account as XXXX XXXX XXXX XXXX account XXXX XXXXXXXX that was deleted XX/XX/XXXX. I didn't open an account in XXXX with XXXX. 
The Contributor XXXX XXXX XXXX XXXX XXXXXXXX incident XX/XX/XXXX is the same account with XXXX XXXX XXXXXXXX account XXXX XXXX. The last four digits on these accounts are XXXX XXXXXXXX. The account with XXXX XXXX XXXX XXXX XXXX the same account that was deleted on XX/XX/XXXX. All of the XXXX accounts are the same. If the two XXXXXXXX XXXX  reported have the same information. They were deleted. Early Warning is erroneously still reporting the two XXXX XXXX XXXX accounts. They should be deleted. Please LOOK at the details of both accounts. My FCRA have been violated.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1635 and 15 USC 1692g. 
This account was paid in XX/XX/XXXX and should be deleted as it violates my rights to privacy.
Product: Credit reporting or other personal consumer reports

To remove negative accounts and bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, la, XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute inaccurate information that is currently reported on my credit file. Despite previous attempts to address these issues, the incorrect information has not been corrected. I understand that the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against Experian due to similar complaints, which indicates a pattern of failure in properly investigating and correcting disputes. 

The following items on my credit report are inaccurate : XXXX. Chapter XXXX bankruptcy discharged Court info Court US BKPT CT LA XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have already submitted disputes for these issues and have received no meaningful resolution. The inaccurate information continues to appear on my credit report, which is not only harming my credit score but also potentially violating the Fair Credit Reporting Act ( FCRA ). 

Please investigate this matter thoroughly and provide me with a written explanation of the results. I request that all inaccurate information be corrected or removed as required by law. 

Additionally, under the CFPBs investigation into XXXX practices, I expect a swift and accurate resolution to my dispute, in line with both legal guidelines and industry standards. If this matter is not resolved promptly, I will be forced to escalate my complaint through appropriate legal and regulatory channels. 

Please confirm receipt of this dispute and provide me with an update on the status of your investigation within 30 days. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite our prior communications, it appears that there has been little progress in resolving this matter. As a concerned customer, I am increasingly troubled by the prolonged delay and its potential impact on our business relationship. 

I understand that resolving such issues may require time and effort, but it is essential to emphasize the urgency of this situation. The longer these open accounts remain unresolved, the greater the risk of financial strain and operational disruption for both parties. 

Therefore, I kindly request that you prioritize the resolution of the late open accounts and provide me with a concrete plan of action to expedite the process. Transparency and clear communication are vital in restoring confidence and ensuring a satisfactory outcome. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance Owed : {$3600.00} ; XXXX XXXX XXXX  Balance Owed : {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I sent a dispute for my closed XXXX XXXXXXXX XXXX account to all XXXX credit bureaus on XX/XX/XXXX and didnt get my dispute results until XX/XX/XXXX from XXXX and XX/XX/XXXX from transunion and XX/XX/XXXX from XXXX which is over the 30 days. All XXXX bureaus after reported it as a charge off on my account in XXXX wrongfully when the account was closed in XXXX and now it is affecting me even worse to XXXXe point where its harming my credit file and I cant obtain anything as I am trying to buy my first home.
Product: Debt collection

I do not owe Student Loan Relief Department " SLRD '' any money as they did not apply for a loan relief or any other services for me but I applied myself and as a matter of fact they do not have my wife 's SSN which is necessary to apply as we file taxes jointly. XXXX XXXX, XXXX XXXX, and XXXX XXXX know that I do not owe any money and slrd never applied for me and I have email proofs from them. This happened many times before slrd or their collection try to collect this money from me and when I contact them they say it was a mistake and no one will contact me any more then few weeks later they come back and try to collect the money again. Please check their F rating in BBB and their failure to respond to any of the complaints filed against them. Please help thousands of students this company trying to rip off by stopping their illegal practices to collect money they are not entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent certified letters as well as affadavits in regards to this matter I SENT CERTIFIED LETTERS TO THE UNITED STATE BANKRUPTCY XXXX DISTRICT OF ALABAMA IN REGARD TO THE COURT 'S PROCEDURES FOR FURNISHING INFORMATION TO CREDIT BUREAUS AND THE METHOD OF VERIFYING THAT INFORMATION WITH CREDIT BUREAUS AND THE LETTER THAT WAS SENT BACK TO ME SAID THAT THEY NEITHER FURNISH INFORMATION TO NOR VERIFY INFORMATION WITH CREDIT BUREAUS BUT YET THE CREDIT BUREAUS STATE THAT THEY VERIFIED THIS INFORMATION SO THAT IS SHOWING THAT THE CREDIT BUREAUS ARE LYING THEY DID NOT VERIFY ANYTHING IN REGARD TO THIS BANKRUPTCY NOT THE ACCOUNTS THAT ARE LISTED UNDER THE BANKRUPTCY
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Due to inept reporting by XXXX in XXXX, I have already used my free report access so I have to pay to see potential impact from Equifax 's bungle. 
2. All companies indicate a delay due to volume in freezing the my info. and inform me there will be a delay in lifting the freeze, effectively putting me at the back of the line for any transaction that requires access to my credit, such as renting an apartment. In short, they do n't have the capacity to protect the information they collect.
Product: Credit card

Capital One has not refunded my security deposit. I closed my account in good standing and with a XXXX balance weeks ago. Capital one is dragging their feet, basically holding my security deposit hostage for absolutely XXXX reason. I have XXXX dollars that they took out of my account in a matter of hours, but when it comes time to return the money ... ..they take weeks. Absolutely unacceptable. I feel capital one is attempting to punish me for closing my account and taking my business elsewhere. This is a violation of my rights as a consumer and also illegal. Please refund my deposit immediately.
Product: Debt collection

Tempoe LLC is a company that filed bankruptcy. In their Bankruptcy, debtors were included. The company also received a Bailout through their Insurance company. Tempoe LLC has already received compensation for their debtors. Tempoe LLC knowingly, then sold this non collectible debt to XXXX XXXX XXXX XXXX which has been placed this on my credit report. 
XXXX also shared/sold my information without my consent to Tempoe LLC . I Do Not have an account or valid contract with Tempoe LLC or XXXX XXXX XXXX. No money is owed to either company. Please have them remove this from my credit report.
Product: Checking or savings account

I deposited a check into my business account from an insurance check from the most recent rainstorm to fix our business space. The bank put a hold on the check for XXXX business days which was supposed to be today, XX/XX/2023. Now they have an indefinite hold on the check even though the check cleared the issuing account on XX/XX/2023. I have proof the check cleared from the insurance company. They are breaching every banking standard created to prevent this from happening.
Product: Credit reporting or other personal consumer reports

I had taken out a loan for a car through XXXX XXXX  on XXXX of XXXX. I paid the car off completely and on time every month. It did not show up on my credit after contacting XXXX, XXXX, equifax through here they were of no assistance. When I speak with XXXX  they told me that it is up to the credit bureaus to report the loan. I have been stuck and this is a big loan that I have worked hard to pay off. The account number is XXXX. For a XXXX XXXX XXXX XXXX. The account was a total of {$29000.00}. As of XXXX of this year it was paid off.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I send the company a debt validation letter they have failed to validate the debt that I supposedly owe to them. The only document that was send to me was billing statements which is not proof that I owe the debt they claim and that Im obligated to pay. This debt passes the statute of limitations. They are harassing me and making threats about this debt. They are not willing to give me competent evidence ( example ) like a binding contract with a legal signature with my name from the original creditor stating that I owe the debt. A lot of illegal practices are happening
Product: Credit reporting or other personal consumer reports

( 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 dispute 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 an Experians inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

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


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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 1681s-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.