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

I contracted with XXXX XXXX XXXX XXXX to complete the remodel of my master bath, master closet and a loft built-in bookshelf. They charged the full {$35000.00} to my Synchrony Bank credit card before they completed any work at all. They then completed the demolition of my bathroom and never returned to complete any other work. After months of repeated attempts ( calls, texts, emails, in-person at location ) to get them to resume the work, we canceled our contract with them and hired another company that has since finished the work. We wanted the {$35000.00} charge removed from the credit card since the work was never completed due to job abandonment. We appealed to Synchrony several times with pictures, emails and information from CA State Licensing Board and XXXX own bond company indicating that the company had several valid claims from other clients as well as ours. However, Synchrony keeps indicating that their client is willing to work with us and complete the work as a response to why the purchase dispute is not in our favor even though we've repeatedly explained why that is not possible. In addition, when we've tried to talk to individuals at their company to resubmit the claim and provide additional information, they didn't submit any of our requests. Both Synchrony and their employees are not acting in good faith. I've attached documentation to support my claim. All of which ( and more ) was already provided to Synchrony.
Product: Debt collection

All calls started in XXXX and have continued every single day since. They call every single day 2-3 times per day and im even making payments to them the XXXX of every month yet they still keep calling all the time. i can make a payment and they call the next day about another payment. they also tell you to borrow money from friends or neighbors to pay off the debt. at this point they are harassing me and annoying me calling so much.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my [ XXXX, XXXX and transunion ) credit report and I notice some late payments posted on my credit report : I Have Never been late on this Account XXXX XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you cant supply this please delete this alleged late payment from my credit report per 15 USC 168 1B.

Your company is in clear violation of the law. Under 15 USC 168 1B -permissible purpose of consumer reports.

Delete the above late payments from my credit report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which i will also be seeking {$1000.00} per violation for : Defamation of character Negligent Enablement of Identity fraud Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing XXXX inquiries fraudulent from my Transunion Credit Report. XXXX  XXXX XXXX XX/XX/XXXX. Capital XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and i've noticed an error/violation that is making me extremely upset. I am aware that information thats furnished on my credit report must be 100 % accurate with no exceptions. By the provisions of the Fair Credit Reporting Act, I am demanding that this company cooperate with me on this, and this account is updated to reflect what's required by law. 

-This is a FDCPA false misreporting violation. Update this account to paid current as agreed. I was never late on this account, this is a violation to my rights as a consumer. Update this account to paid on time immediately as stated in the CARES act. 
XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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

Please delete the following information permanently off from the Personal Information section : Attached is copy of my valid Pennsylvania drivers license of how my name and address has to appear on my credit file. My name is XXXX XXXX XXXX and address XXXX XXXX XXXX, FL XXXX, XXXX, PA XXXX. Delete the following information permanently : Name XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Debt collection

Judging by XXXX results, XXXX is the phone number for Allied Interstate LLC, and they seem to be very notorious for harassing individuals, and wanting personal information, as was the case today. They have called me three times today : first time was at XXXX, second time was at XXXX, and the third time was XXXX EST. After the second call I told them to take my number out of their system. I cleaned up my past due debts - paid well over 5,000 $ and I know I do not owe anything else above and beyond what's already on my credit report. I asked the individual on the phone to confirm what this call is in regards to and he kept wanting to get more personal information. I couldn't even understand the guy, and apparently there was a language barrier as apparently he couldn't understand what stop calling means. 

XXXX XXXX XXXXXXXX The above link makes me even more concerned.
Product: Credit card or prepaid card

This company, Netspend, sent me an email indicating that I ordered a prepaid card from them and that it would be delivered to me in 7-10 days. I did not order a card, nor have I ever heard of Netspend before this. 

I have called customer service multiple times and when I finally get to a live representative, they revert me back to their automated IVR. 

Either someone ordered this card fraudulently or Netspend is trying to induce me into a financial situation with dubious and unscrupulous methods. They should not be sending me this and they definitely should be helping me look into this if in fact it is fraudlent. They have done neither and its clear that their practices should be stopped.
Product: Credit card or prepaid card

I purchased a XXXX XXXX bag ( XXXX ) from XXXX XXXX with my chase credit card for {$1000.00}, on XX/XX/2023 and received on XX/XX/2023, but later found out the bag is counterfeit ( verified by Real Authentication ). Because the merchant refused to refund me and accept the return, I filed a dispute with chase, and submitted all the evidence they required, I am honest and is sure my evidence is sufficient, but they keep denying my dispute. They denied my dispute again on XX/XX/XXXX, stating no billing error found. I have asked Chase to reopen the case. 

I think it is so unacceptable, the credit card is meant for protection the consumer not the fraudulent merchant.
Product: Credit card or prepaid card

I HAVE BEEN ASKING USAA HOW USAA PERMANET CREDITS APPEAR ON STATEMENTS. How are they shown on statements different than temporary credits. Good Lord see all USAA CFPB RESPONSES PERMANET CREDITS APPLIED TIMELY. USAA HAS BEEN UNCOOPERTIVE IN PROVIDING THIS INFORMATION FOR OVER 2 YEARS NOW. ( ** I FINALLY FOUND PERMANET CREDITS LISTED ON STATEMENT See attatched XX/XX/XXXX STATEMENT. ** ) XX/XX/XXXX ADJUSTMENT PURCHASES CREDIT {$170.00} XX/XX/XXXX ADJUSTMENT PURCHASES CREDIT {$75.00} ( ** AND THEY ARE INCLUDED IN TOTAL CREDITS FOR THIS PERIOD ** ) just as I thought they should show but USAA HAS BEEN DENYING TWO YEARS. SO USAA Where are the PERMANET CREDITS INCLUDED IN TOTAL CREDITS THIS PERIOD XX/XX/XXXX {$470.00}???? PERMANET CREDITS see attatched USAA FRAUD CLAIM DATE XX/XX/XXXX NOW THAT I FINALLY KNOW HOW PERMANET CREDITS APPEAR ON STATEMENT I MUST ASK?? Where are the permanet credits of unauthorized transactions of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INCLUDED IN TOTAL CREDITS FOR THIS PERIOD??????? THEY DO NOT EXSIST.
Product: Credit reporting or other personal consumer reports

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

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX  - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX  XXXX XXXX - XXXX - {$4500.00} XXXX XXXX  XXXX - XXXX - {$2200.00} XXXX XXXX - XXXX - {$1200.00} XXXX XXXX XXXX  XXXX XXXX. - XXXX - {$9600.00} XXXX XXXX  - XXXX - {$920.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - {$850.00} XXXX XXXX XXXX XXXX XXXX {$930.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against XXXX, Equifax, and XXXX for incorrect information on my credit report. I had a debt with U.S. Department. of Veterans Affairs that was never put in collection that was paid in full. I contacted U.S. Department of Veterans Affairs on  XXXX XXXX, 2020, and asked why did they report a charge off on my credit report with XXXX, Equifax, and XXXX U.S. Dept. of Vets Affairs said they only reported paid in full they never told  XXXX to enter a charge off on your credit report, in fact they never say charge off only paid in full. XXXX, Equifax, and XXXX how many Veterans have you done this to without the permission of U.S. Dept. of Vets Affairs it seem we have an big problem here. What I need for XXXX, Equifax, and XXXX to do is remove the charge off from my credit report and put my credit score where it supposed to be expeditiously or I will be force to legal action against XXXX, Equifax, and XXXX.
Product: Credit reporting or other personal consumer reports

Complaint Summary : I am filing this complaint against Experian for failing to properly investigate and resolve disputes related to inaccurate credit report information, specifically an account listed as " XXXX XXXX XXXX '' with the account number [ XXXX ] and date opened XX/XX/2024. I have sent multiple dispute letters to Experian, but they have not complied with the requirements outlined in 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ).

Experians actionsor lack thereofhave led to significant negative impacts on my credit, and, as a result, I am unable to access credit, employment, and housing opportunities. Furthermore, I recently learned of the CFPB lawsuit against Experian for similar failures to conduct proper investigations and remove or correct errors on consumer credit reports. This lawsuit demonstrates that Experian is not upholding its responsibilities to consumers under the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2024 Nature of Dispute : Inaccurate reporting of this account, which has not been properly investigated, corrected, or removed from my credit report. 
Previous Correspondence : I have sent multiple letters to Experian, but they have failed to investigate and resolve the issue in compliance with the FCRA.

Legal Violations : Experian has violated 15 USC 1681e ( b ) by failing to maintain accurate credit information and failing to properly investigate disputes.

Experian has not complied with 15 USC 1681s-2, which requires furnishers of information to ensure the accuracy of information they provide to credit reporting agencies.

Experian has not complied with 15 USC 1681i ( 5 ), failing to reinvestigate disputes in a timely manner.

Experian has violated 15 USC 1681c ( c ) by re-inserting information that was previously removed without proper validation. 
Requested Resolution : I request that the CFPB investigate Experians handling of this dispute, require them to conduct a thorough re-investigation of my credit report, and ensure that the erroneous account is removed. Additionally, I request that Experian be held accountable for their failure to comply with the FCRA, as outlined in the CFPB lawsuit against them.
Product: Checking or savings account

XXXX different responses from XXXX different resolution specialists for XXXX problem in resolving accounts. As XXXX XXXX XXXX, phone number XXXX, with case # XXXX, dated XX/XX/XXXX, saying that, " also reflected in the agreement under the heading freezing your account, if we decide to close your account ( s ) we may freeze it. If any time we believe that your account may subject to irregular, unauthorized, or fraudulent activity, we may, in our discretion, freeze some or all of them ye funds in the account and in other accounts you maintain with us, and/or delay transactions, without any liability to you, until such time as we are able to complete our investigation of the account and transactions. Which contrary to XXXX XXXX XXXX, phone number XXXX, dated, XXXX XX/XX/XXXX, told me, saying, " In accordance with the terms of the Deposit Agreement and Disclosures publication ( the Agreement ) either we or our client can close an account at any time. The relationship between a bank and the client is a contractual one, and under the terms of the Agreement, we have no obligation to disclose our reasons for closing the deposit account. For additional information, please refer to the section titled Account Closures, Transaction Delays, and Conversions/Changes to Account Settings for more information. The Agreement is available to all clients on our website at XXXX '' ( see at attachments. ) So, who is telling the truth? I believed it had something to do with a claim back in XX/XX/XXXX ( account XXXX ) that made the bank to close my both of bank accounts down which was unresolved.
Product: Debt collection

An erroneous entry has been made on my credit files with XXXX, XXXX, and XXXX by : Enhanced XXXX. XXXX XXXX, FL XXXX original creditor was XXXX. 

I had an account with XXXX until approximately XXXX XXXX. I cancelled the account due to billing errors that had existed Since XXXX. 

When the billing errors were initially discovered, I contacted XXXX customer service, and each time I was assured that the proper credits would be issued. The bill was supposed to be approximately {$110.00} per month, but each month I had to call XXXX customer service for credits and adjustments. 

I have notated conversations with XXXX on my bills, and I have digital recordings of XXXX telephone calls to XXXX. In these notes and calls XXXX Representatives acknowledge the billing errors, and agree to write the proper credits to correct the billing. However the credits were not issued as agreed. 

I cancelled the XXXX service and continued to pay {$10.00} per month as a goodwill gesture to give them time to correct their erroneous billing. 

I was never contacted by Enhanced Recovery with notice of my right to dispute this bill, even though a forwarding address was available to them. I discovered the alleged debt when it was reported on my credit files. 

On XXXX XXXX, XXXX, I sent a dispute to Enhanced Recovery, XXXX XXXX XXXX, XXXX, FL XXXX. IT was sent by XXXX mail, registered mail # XXXX XXXX XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX stamped received by XXXX. XXXX. 
I have received no reply to my request for records and verification of the alleged debt, or any answer whatsoever. 

On XXXX XXXX, XXXX, I sent another request for information and verification of the debt to Enhanced Recovery at the same address. This request for validation and investigation of the alleged debt was sent by XXXX mail, registered mail # XXXX XXXX XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX and was signed with an illegible signature. 
I have also received no response on this inquiry. 

Similarly, letters requesting verification of the alleged debt, along with details of the investigation process were requested of XXXX, XXXX, and XXXX by XXXX Delivery Confirmation on XXXX XXXX, XXXX. I received no replies. 

I am asking that as required by the Fair Credit Reporting Act, that Enhanced Recovery XXXX XXXX be directed to remove all information regarding their reporting of this from all credit reporting agency files as listed above. I am also requesting that due to their inability or unwillingness to respond to my inquiries that any and all reporting to any agencies including credit reporting agencies, Enhanced Recovery XXXX be directed to remove all reports regarding any transactions between XXXX and myself. 

Should Enhanced Recovery not furnish the Federal Trade Commission with proof of delivery, showing my Signature of replies within the time prescirbed by law that the Federal Trade Commission direct the removal of the reports as requested above and that they be fined according to the FCRA according to it 's stipulations. 

Thank you very much for your consideration.
Product: Student loan

In 2007 i filed for bankruptcy and went before the judge and discussed this particular loan ( NATIONAL COLLEGIATE STUDENT Loan ) and the judge granted the bankruptcy on this loan. I have sent this company several copies of this and yet they keep attacking me thru collections as well as taking funds from bank accounts and my tax refunds. They have also ruined my credit by refusing to take it off.
Product: Credit reporting

XXXX XXXX XXXX agreed to remove late payments from my account. I received a written agreement from XXXX XXXX XXXX that states they are not reporting late payments on my lease dated XX/XX/XXXX. Furthermore, this was disputed and deleted last year ( XX/XX/XXXX ). How and why is it reporting on my credit report? This is not a dispute about my loan from XX/XX/XXXX. Please do not delete my XX/XX/XXXX account as it is not being disputed because it is closed and reporting accurately. My XXXX account balanced updated by my credit limit did not. My XXXX credit limit is {$17000.00}. My new balance updated to {$410.00} but my credit limit did not. This is affecting my utilization by {$5000.00} as I am sure the bureau is extremely aware. If the new balance updated, how and why was the new credit limit missed?
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


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