23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I called XXXX XXXX  after being denied cash advance for the 7th time. I had been paying extra on my credit card but kept noticing my balance wasnt going down. I called XX/XX/XXXX i spoke to XXXX XXXX XXXX employees explaining my problem with cash advance, she placed me on hold came back told me she had fixed issue and the I could use {$400.00} that day and that I had up {$6000.00} in credit. When I went to request cash advance in person I was denied. I then called again asked for manager, spoke with XXXX XXXX on XX/XX/XXXX around XXXX id # XXXX after being denied again, she said she would research, placed me a long hold. XXXX then claimed someone had been using cash advance recently and that I hadnt payed it made a payment. I reminded her I had just made a payment for {$1000.00}. And that it had been over a month which I had requested ANY cash advance. I told her that was fraud on my account, she then assured me it wasnt fraud, I then told her I needed {$500.00} in cash advance that day, she said my limit was {$250.00}. I was then denied in person that day all amounts cash advance. After complaining that I didnt know what type of business they were running, she said her system was down and she couldnt help me out further, i told her i was sure there were tons of different computers and that for her to deny help was not acceptable. Denied help from XXXX XXXX employees and management.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to formally dispute inaccurate information on my credit report as maintained by Experian. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit file, and Experian is obligated to conduct a reasonable reinvestigation of disputed items. My experience reflects concerns similar to those highlighted in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian ( Case No. XXXX ), which detailed systemic issues in dispute handling and reinvestigation practices. 

Disputed Information : I willed attached all disputed items to a separate letter and details Discrepancy : My accounts are inaccurate and violate my consumer rights. I have requested 1099-C for all Charge offs stating the debt is writing off and never received any.

Supporting Documentation : I have attached the following documents to substantiate my dispute : Copies of past disputes without proper investigations.

Request for Action : Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), I request that Experian : 1. Conduct a reasonable reinvestigation of the disputed items.

2. Forward all relevant information, including my supporting documentation, to the furnishers of the disputed information.

3. Modify, delete, or correct any information found to be inaccurate or unverifiable.

4. Provide me with written notice of the reinvestigation results, including a summary of any actions taken.

Concerns Related to CFPB Allegations : The CFPBs complaint outlines failures by Experian to adequately address consumer disputes, including : *Failure to forward all relevant information to furnishers.

*Reliance on inaccurate or incomplete responses from furnishers.

*Failure to provide consumers with clear and accurate reinvestigation results.

*Allowing inaccurate information to persist in consumer reports.

My situation mirrors these allegations. I urge Experian to ensure compliance with its legal obligations by addressing my dispute thoroughly and transparently.

Notification of Legal Rights : I remind Experian that the FCRA requires : *Completion of a reinvestigation within 30 days of receiving my dispute.

*Written notice of the reinvestigation results within five business days of its completion.

*Prevention of reinsertion of deleted information unless the furnisher certifies its accuracy and completeness.

Failure to meet these obligations may result in further action, including the filing of complaints with the CFPB or pursuing legal remedies.

Please respond promptly and confirm receipt of this dispute within five business days. I expect resolution within the legally mandated time frame. 

Sincerely, XXXX XXXX Enclosures : * Copy of Credit Report with Disputed items Highlighted Items Highlighted : * Supporting Documentation This letter directly incorporates the issues identified in the CFPB lawsuit and reference your rights under FCRA o demand compliance and corrections.
Product: Debt collection

Chase XXXX put XXXX on hold and then XXXX and then another XXXX then XXXX and I called to find out why and they said I was sued by a debt collector and I called a debt collector and they told me that the debt was from XXXX and they also told me that that was from XXXX and I dont owe them anything I dont know what they are talking about the lawyer secretary said I have to prove to them that I dont owe the debt and I told her she has to prove to me that I owe them the debt they said they was going to send something but still have not and still holding my money they said the debt was XXXX and then one time they say XXXX. I dont know what they talking about. I have the time and date of the conversations we spoke. I need some help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXAccount number XXXX. XX/XX/2022. 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

My credit reports show different information across all three bureaus, so its inaccurate. This has led to denials for housing and a car because it looks like I missed multiple payments. As a result, my kids and I have had to stay in XXXX XXXX, XXXX, and XXXX XXXX I have tried to dispute it so many times and nothing so this is my last option before I seek legal advice. 

The car I bought was a lemon. Ive spent money on it since day XXXX, and right after I got it fixed, they picked it up the next day, even after I told them it was just repaired. They sold it, took the gap insurance, and didnt provide proof of the remaining amount. Whenever I needed an arrangement, it was because of issues with the vehicle, and I can get copies of my receipts from every dealership that worked on it. 

When I bought the car from XXXX, the mechanic told me they sold me a bad vehicle. There have been multiple recalls on XXXX XXXX, and I had no idea. XXXX  kept telling me I had a warranty, but the dealership said the warranty was expired and covered nothing, even though it was filed in my paperwork. I even mentioned all this when filling out the extension forms. They denied my last extension after I put in an extra {$1500.00} after just a year of having it. It was a XXXX  XXXX XXXX. 

When they picked up the car, they locked me out of the app. They towed the vehicle from a closed location and came on their day off just to add more fees. They wanted to pick it up the day it was fixed because I kept communicating that I would pay the mechanic and then make a payment to them afterward. It felt like they just wanted the car to resell after I got it running.
Product: Credit reporting or other personal consumer reports

Im filing a complaint against Equifax for falling to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 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, Equifax actions might also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax comply with the federal law and provides consumers with the necessary proof of investigation.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I was denied access to my credit after I extended my social security and other personal information in good faith to NetCredit. NetCredit accepted my credit application and personal information but in turn sent me an an adverse action letter denying me access to my personal credit on the basis of an inaccurate consumer report from XXXX, XXXX XXXX XXXX XXXX, XXXX. This denial of my right to credit is illegal and against the Equal Credit Opportunity Act. They can not deny me access to credit for any discriminatory reason. I extended my credit card ( or social security card ) in good faith to NetCredit and they denied me access to my federally governed right to credit as the consumer in this transaction.
Product: Checking or savings account

For many years, I have a XXXX XXXX card which automatically gets paid by my Bank of America ( BoA ) bank acct. On XX/XX/2019, XXXX XXXX sent a bad credit to credit agency stating I didn't pay for a XX/XX/2019 bill. I called XXXX XXXX and provide fax copies of my BoA showing that it was automatically paid. Next, XXXX XXXX and Bank of America both stated that there was acct number discrepancy. I explained to them that I've been a customer for many years with both organization and did not change my card or other info. After many calls, email and fax, both XXXX XXXX and BoA appear to be both blaming each other but not helping me resolve this. 

Can you assist in this billing dispute by contacting the business and also help correct my credit report related to this matter.
Product: Checking or savings account

I have an American Express Bluebird account which I make deposits into and essentially use a debit card to make transactions. There have been quite a few instances that I simply can not file a dispute of transactions. Bluebird states that if you send in a written notice of a disputed transaction that it will be addressed. I did just that and never heard back from Bluebird about my fraudlent transaction.

There is no way to access fair dispute processes with Bluebird at all in addition to there not ever being a live human to speak with about concerns.

Once again I had to close down my card and reorder a new one because of a lost card, however I can not speak to a live person and there is no formal process of filing a dispute that will be addressed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$XXXX} XXXX XXXX # XXXX XX/XX/XXXX -- {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditor " NetCredit '' on XX/XX/XXXX, to ask them to please contact the credit bureaus to have my account balance reflect the correct balance of Zero dollars, which NetCredit shows as paid in full back on XX/XX/XXXX. ( attached ). They informed me via email that they report to both XXXX and XXXX every month about my the repayment history, but to this day my credit report ( attached ) still shows {$140.00} outstanding balance ( line 012 ). It's been 12 months since I paid this account in full. Any help in getting this corrected would be appreciated. Thanks
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint.

Subject : Complaint Regarding Failure to Remove Fraudulent Accounts from Credit Report To Whom It May Concern, I am filing this complaint against TransUnion for their failure to remove fraudulent information from my credit report in a timely manner, as required under 15 U.S.C. 1681c-2. On [ insert date of dispute submission ], I submitted a formal dispute to TransUnion, including all necessary documentation such as my Police Report and the Federal Trade Commission ( FTC ) Identity Theft Report ( FTC Report Number : XXXX ), which clearly supports my claim of identity theft. 

In accordance with 15 U.S.C. 1681c-2, TransUnion is required to block the fraudulent information within four business days of receiving my identity theft report. Despite complying with all submission requirements, the following fraudulent accounts remain on my credit 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 XXXX 

I have sent this dispute via certified mail and faxed all relevant documents. However, TransUnion has not taken the appropriate action within the legally mandated time frame, and the fraudulent accounts remain on my credit report, causing significant harm to my credit standing. 

I am requesting the CFPB to take immediate action to ensure that TransUnion complies with the law and removes the fraudulent accounts from my credit report as required. I also ask for an investigation into their failure to follow the provisions set forth by the Fair Credit Reporting Act ( FCRA ) regarding identity theft disputes. 

I trust that your office will ensure a prompt resolution to this matter and hold TransUnion accountable for any continued non-compliance. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

My credit card information was stolen by an ex boyfriend and he used it and put me into debt when I couldnt pay it. Now I get repeated phone calls, and I had blocked numbers because Ive gotten over XXXX to XXXX calls a day being harassed about it, and he used it and put me into severe debt when I couldnt pay it. now my credit score is ruined because of him using several credit cards of mine that I did not authorize.
Product: Credit reporting or other personal consumer reports

I submitting this request to inform that I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Midland Credit Management has sent me a " Final Notice '' stating I have to pay the full amount of {$610.00} by XX/XX/2020 by logging in to an account on their website at Midland Credit.com. I have never set up an account with them online. Also, after looking over reviews for this company, it is clear they have scammed many people in the past. In this notice, they state they can have a lien placed on my property, garnish my wages and accounts, and obtain information about my assets by the use of a notice request, deposition, or subpoena to appear in court. They claim they have an attorney review planned in my state of GA and I am responsible for court costs and post judgment interest charges. I know nothing of this company and do not trust anything they state because numerous complaints and scam alerts have been posted regarding their authenticity and policies.
Product: Debt collection

This company is reporting and account that other bureaus has already removed. I have been disputing this invalid entry for several months. I have never received any response from them with regards to my dispute and my verification request through the bureaus.
Product: Credit reporting or other personal consumer reports

I am filing a compliant against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 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 resonable investigation of disputes. Furthermore, XXXX XXXX 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-CFPBH-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.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no understanding of this, and the company carried out this action without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two bureaus are reporting two accounts for XXXX XXXX on my credit file. I ONLY HAVE ONE. Equifax is reporting one with the correct balance of {$7000.00} and the other with the balance of {$12000.00}. My income tax refund was garnished in the amount of {$5400.00} to go towards the ONE account which brought it down to the {$7000.00} AGAIN there is and was ONLY ONE account. I have disputed this back in XXXX and even sent proof to Equifax but apparently someone did not read the information for which I have attached here too.
Product: Credit card

Prior to XXXX of XXXX  my AAA Travel Card was issued by the XXXX  XXXX XXXX. There was no activity on that card for over one year and none anticipated. In putting together my complaint Im assuming that Comenity Financial took over the AAA travel credit card from XXXX  XXXX XXXX. 
I estimate that I received the Comenity AAA travel card sometime during XXXX of XXXX. I still have that card in my possession, never activated and never intended to activate it. For your reference the account number was ; XXXX XXXX XXXX XXXX. 
Comenity initially billed me in XX/XX/year> for what I guess was an annual membership fee. We didnt pay the fee because the card was never activated for use. Comenity continued to bill us monthly charging a late fee plus interest on a card never used or activated. My husband and I spoke with a representative of the Comenity Bank in early XXXX of XXXX, unfortunately I do not have the exact date. We did during this conversation expressed our disagreement with the charges that were assessed and requested that the account be canceled. We continue to receive statements on this cancelled account, each month adding fees now totaling {$200.00} due XXXX. This is unfair and believe the charges should be dismissed.
Product: Debt collection

There has been a medical XXXX recovery claim filed against my mother 's house in which we r currently living in it's our only shelter n have no means of paying the outstanding debt {$91000.00} they denied my wa ier which my nephew has a XXXX n the house ain't even worth that much we can't sell it or get a loan to pay it cuz the house ain't worth that much... this was my mother 's debt she passed away in 2021 now I'm left with this medical debt they denied the wavier
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are misleading and must be removed or blocked for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 


Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

My phone, ID, and Truist debit card were stolen and used to drain my checking account. Whoever had access to my phone had access to my debit pin, and my phone as it has no passcode on it. Due to that, the suspect was able to respond to, and authorize fraud alerts for large cash withdrawals. I filed a dispute with my bank ( Truist ), but they have denied my claim. I can not afford to lose that money as it was everything I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I order a copy of all 3 credit reports and I notice that bankruptcy was on all 3 reports XXXX, XXXX and transunion I disputed this bankruptcy and i ask all 3 credit bureaus for verifiable information and they said they verified from the bankruptcy court, so I reach out to the bankruptcy court and they sent me a letter stating they don't verify any information with the credit bureau 's and they do not report bankruptcy on a person 's credit report. I will include court paper.