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

Inaccurate Credit Reporting ( 15 USC 168152 ) To whom it may concern, 1 I am writing this to inform you that i have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. Also I need a copy of the original contract. following account ( Plaza services LLC ) is reporting a balance of ( {$1200.00} ) when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a form XXXX  as proof or evidence thereat. And that because of my fact, this debt is cancelled and at least should not reflect the balance that is currently shown of ( {$1200.00} ) on my consumer file. This is canceled debt, the company has filed it on their taxes but they also are reporting it on my credit report as debt, doesnt make sense at all. A charge off is considered ordinary income so how could it be furnishing on my credit report as debt. The IRS states that this company was supposed to send me a XXXX form so I can file the ordinary income. They havent sent me none of that so now they are in violation of USC 1681EB, it speaks on maximum accuracy of the consumer report. So this item has to be deleted from my credit report.
Product: Checking or savings account

I called my bank on Friday, XX/XX/XXXX to inquire about an issue I was having. Instead of getting the bank, a scammer answered. My bank is Chime. The scammer had all of the bank 's processes to help me and after all, I had called my bank 's phone number so why would I doubt the person that answered being anything other than a Chime representative. I gave him the information he asked for and he stole all of my money. I am XXXX XXXX XXXX  and have no other money.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received my Equifax consumer report Confirmation # XXXX. And Equifax is still report Bankruptcy Public Record that was supplied to them from XXXX XXXX XXXX XXXX. I have never gave XXXX my written permission to report anything on MY consumer report. ITS NOT XXXX XXXX REPORT ITS NOT MY CONSUMER REPORT AND NOTHING CAN BE REPORTED TO MY COMSUMER REPORT WITHOUT MY WRITTEN PERMISSION. I have already put a freeze with XXXX and have made request to opt out request. The UNITED STATES BANKRUPTCY COURT does not report to any credit bureau - see the attached letter from united states bankruptcy court ... Any XXXX XXXX has violate my privacy right according to Privacy Act of XXXX.
Product: Credit card or prepaid card

I was added as an authorized user on a Sofi credit card without permission. It is now affecting my credit although I have called the company several times to explain that I have no knowledge of the card nor was my permission given to add me to the account. It has been reported to the three credit agencies and two of them refuse to take it off stating that it remains that I am an authorized user.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on?

What in the world is going on?? I can not even attempt to purchase anything with this XXXX  score!! 
Do the 3 bureaus share information?

Please help!! Thank You
Product: Debt collection

I have asked Financial Control Service to validate a collection they are reporting on my credit reports on XX/XX/XXXX, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally request the immediate blocking and deletion of the following accounts on my credit report due to a recent data breach that has exposed my personal information. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed to prevent any potential misuse and further harm. 
Accounts to be Blocked and Deleted : 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
Product: Credit card or prepaid card

I am writing to file a formal complaint against American Express regarding the wrongful deduction of promotional points from my Membership Rewards account without providing a valid reason or proper explanation. Despite my attempts to resolve this issue with American Express directly, their customer service representatives have been unhelpful and have claimed that they are unable to assist me. 

On XX/XX/2023, I received an email notification from American Express informing me that they had made adjustments to my Membership Rewards account. The email vaguely stated, " We've adjusted some points on your Membership Rewards account, '' and went on to mention that the adjustment was made due to activity that allegedly violated the terms and conditions of the Membership Rewards program or the promotional offer through which the points were earned.

The email failed to specify which terms and conditions I may have violated, leaving me completely unaware of the alleged discrepancy. Furthermore, American Express used uncertain language, stating that the points " may have been earned or used '' in a manner contrary to the terms and conditions. This lack of clarity and specificity is deeply concerning and raises doubts about the legitimacy of their actions. 

To my disbelief, American Express deducted XXXX points from my account, which holds a minimum value to me of {$1100.00}. These points were acquired through a legitimate promotional offer, and I have diligently adhered to the terms and conditions outlined by American Express. Therefore, I strongly believe that the deduction of these points is unjustified and constitutes a breach of our contractual agreement. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and intervene on my behalf. I expect American Express to provide a detailed explanation as to why my points were taken away and present evidence supporting their claim. Furthermore, I demand the immediate reinstatement of the wrongfully deducted XXXX points to my Membership Rewards account. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and work towards a swift resolution of this issue. American Express 's lack of transparency and failure to provide a valid reason for the deduction of my points is both frustrating and distressing. I am confident that with your assistance, justice will be served, and my rights as a consumer will be protected. 

Thank you for your attention to this matter. I eagerly await your prompt action and a favorable resolution.
Product: Credit reporting or other personal consumer reports

XXXX dropped me XXXX points over a late payment to XXXX. Reporting late payments is illegal see FCRA. Also this was not a late payment it was a new loan with kikoff. My XXXX was supposed to raise my credit score due to my first loan being paid off with XXXX and yet they never raised my score by over XXXX points like they were supposed to after all loans were paid off. Its was never corrected and additionally dropped me XXXX points over inaccurate info so altogether I lost over a XXXX points over inaccurate info.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Agency, everything has to be 100 % accurate on my credit report.

The credit bureaus stated my account was properly investigated but how is that possible if one account has completely inaccurate information and the other account does not. This proves that my credit was fraudulently used by someone other than myself. The active date is inaccurate and this is grounds for removal as this clearly violates my rights under 15 U.S.C 1681 section 602 A, which states I have a right to privacy 15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit Bureaus took more than 30-days to complete my investigation which shows in my certified mail tracking number : # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint against capital one regarding the deceptive practices related to their XXXX high yield interest savings accounts. XXXX XXXXXXXX misrepresented the nations highest interest rates yet failed to notify accountholders about the superior rates offered by the XXXX performance savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many breaching the consumer financial protection act and the truth in savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was identity thefted, I sent all reports and exsperian refused to fix my report and has refused to help me for years now. I've told them over phone, online, and mail what's wrong on my credit report, and I have emails proving XXXX refused to help me after a XXXX disputes and complaints I've still having issues, it has caused me to be homeless, to loose everything They refuse to remove fraudulent accounts from my report and refuse to fix my name, ive sent paperwork over a XXXX times. The yve called me a liar.
Product: Mortgage

I applied through a broker for a refinance of an existing mortgage on XX/XX/2020. The broker submitted an application to Caliber Home Loans , Inc., ID XXXX. XXXX # XXXX. 

I received notice of tentative approval with additional information requested. I supplied all the information that was asked for. I again received an approval acknowledgement. After about a month with no additional information about a closing date, I asked my broker to inquire why there was a delay and why I was not provided a closing date estimate. I was then informed that the loan was not approved and I would have to apply for an " investment '' type loan, even though I had provided evidence that the property was no longer being rented out, but a second home which I was currently occupying. I was charged a {$30.00} " pay off fee '' based on an inquiry by Caliber Home Loans to my current mortgage holder, as well as a {$70.00} fee for an XXXX umbrella insurance policy certificate. I also was charged {$500.00} for an appraisal, which now may be stale and useless for an alternative application. 


In summary my complaint is that Caliber Home Loans approved my application then delayed the final approval of my loan. They then required additional expenses on my part and then after my complaint about their delay, rejected my application. I meet all their requirements for approval and they stated such, then at the XXXX hour rejected my application. There were no changes in my application 's worthiness, they simply changed the rules. 


I have an exceptional credit score ; adequate income ; more than 50 % equity in the property being refinance ; and a more than adequate net worth - more than 13 times the amount of the requested loan. 


Caliber Home Loans has caused me needless expenses and considerable effort. They changed the rules at the last minute and have provided no explanations for their actions. I am requesting reimbursement for all fees that were incurred by myself as a result of requirements of Caliber Home Loans, Inc. Their deceptive actions with my application have resulted in unnecessary expense, effort, and loss of opportunity in refinancing my real property.
Product: Credit reporting or other personal consumer reports

The late payments listed do not correspond with my usual payment pattern.
Product: Checking or savings account

Complaint to Consumer Financial Protection Bureau ( CFPB ) Date : [ Insert Date ] From : XXXX XXXX XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint against Wise ( TransferWise ) Document Verification Denial and Unreasonable Deposit Requirement Dear CFPB Representatives, I, XXXX XXXX XXXX am submitting a formal complaint regarding the actions of Wise ( formerly TransferWise ), related to their refusal to verify my documents and the difficulties Ive encountered using their services in the United States.I have repeatedly attempted to verify my identity by providing all necessary documents, including my Social Security Number ( SSN ). However, Wises system consistently rejects my SSN. Over an extended period, I have submitted these documents multiple times and spent hours in communication with their customer support, but no progress has been made. Instead, I was informed that in order to complete the verification process, I would need to deposit {$15000.00}, which seems unreasonable and raises concerns about the legitimacy of their requirements.Given the lack of resolution and the excessive demands, I request your assistance in investigating this matter and ensuring that Wise complies with U.S. regulations. Their refusal to verify my identity without a significant deposit is impeding my access to their services, and I believe this could be a violation of consumer protection standards.Thank you for your attention to this matter. I look forward to your response and any steps you may take to resolve this issue.Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not been informed that this is the case I am going to end up with with my attempts to dispute these accounts that are affecting me financially, mentally and emotionally - so here I am writing once again, asking if you could just look through my case and investigate the accounts that I am asking for you to verify the accuracy and remove once done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX   XXXX {$430.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX XXXXXXXX {$1700.00} XXXX   XXXX  XXXX {$14000.00} XXXX XXXXXXXX {$1600.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/ SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to draw your attention to a series of egregious violations that have significantly impacted my financial well-being and personal life. These violations pertain to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. 

XXXX. XXXX XXXX - Account XXXX : XXXX Violation : Disputed item appearing on credit report without evidence. 
Violation Reference : FCRA - 15 USC 1681, specifically 15 USC 1681i ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX XXXX - Account Number : XXXX Violation : Reporting inaccurate information on a collection account ( late payment or past due ). 
Violation References : FCRA - 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 
XXXX. XXXX XXXX - Account Number : XXXX Violation : Reporting inaccurate information on a collection account ( late payment or past due ). 
Violation References : FCRA - 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). 
XXXX. XXXX XXXX  - Account Number : XXXX Violation : Misleading false reporting, potentially violating FDCPA Section 807.

Violation Reference : FDCPA - Section 807. 
Personal Hardships : The cumulative impact of these violations has been nothing short of devastating. The compromised credit report has shattered my aspirations of securing loans at reasonable rates, obtaining suitable housing for my family, and even pursuing educational opportunities. The emotional toll is immeasurable, as I have had to witness my family 's dreams slip further out of reach due to circumstances beyond our control. 

I implore the Consumer Financial Protection Bureau to : Enforce the legal rights and protections afforded to consumers under the FCRA and FDCPA. 
Investigate these violations with a sense of urgency. 
Ensure that the relevant creditors promptly remove these unverified and inaccurate accounts from my credit report. 
Doing so would alleviate a substantial portion of the burdens that have weighed heavily on me and my loved ones. Thank you for your attention to this matter. I eagerly await a response and resolution that will help restore my financial dignity and provide hope for a brighter future. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Credit card or prepaid card

Hi i am XXXX XXXX XXXX here.. 
on XX/XX/2020 that my credit crad XXXX XXXX XXXX XXXX was been charged by XXXX XXXX But the problem is i didnt booking any XXXX in XXXX.. 
so i called up hsbc and requested them to investigate ... .but end the end no answer from them ... ... .they already investigated about 2 month plus ... .now everymonth keep on charging me Finance charges..its really unfair to me ... .At the end i have to asked for help from consumer bureau ... .hopefully hear from u soon.thanks
Product: Credit card or prepaid card

On XX/XX/XXXX of 2019 - The automatic payment of the Kohl 's card was updated. The new checking account was updated effective immediately ( email confirmation received ). On XX/XX/XXXX, the wrong checking account was used and therefore the payment was returned. Kohl's/Cap One didn't notify me of any issues. On XX/XX/XXXX, the Kohl's/Cap One automated payment once again tries to withdraw the payment from the wrong account. The payment was returned and the account was notated with an past due of 30 days. When I'm notified of the issue on XX/XX/XXXX, immediately contacted Kohl 's to notify them of the error while also making an immediate payment to the account to bring it to current. My checking account is also on my online account, therefore confirming my suspicion that it was an system error. The CSR that attended my call, documented all the information and told me to wait 30 days for my report to be updated. I told her I have emails confirming all the information ( including the email that states bank account change on auto-pay back in XXXX ).  45 days later, Cap/One send me a letter stating that they will not remove the 30 day late. This has caused extreme financial issues on my side as I was denied an car loan an month after because of the late report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute involves XXXX XXXX XXXX and an inaccurate reporting of my account status to Transunion and XXXX. After challenging the validity of the account I received feedback from Transunion on XX/XX/2018 which stated that the account was being deleted from my Transunion account due to being unable to very this debt with an original instrument of indebtedness. XXXX has stated that the account was verified and updated the status to paid, however they have failed to provide this original instrument of indebtedness. My concern is that the company could not provide this for Transunion, but somehow provided it for XXXX. It is my belief that XXXX is utilization information from a third party to validate this debt and without this documentation actually being provided. In a recent review of my credit report I see that this account was in fact not deleted from my Transunion and still remains in a negative status which is negatively impacting my score. The account in question does report to XXXX as being paid status, it does however have a negative payment history which directly impacts my ability to purchase a new home.