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

I am filing a complaint against Experian regarding their failure to respond to my dispute letter. On XX/XX/year>, I mailed a dispute letter to Experian via certified mail ( tracking # XXXX ), requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my report. 

To assist Experian in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill showing my current address. Despite this, I did not receive any response or investigation results from Experian. Subsequently, I sent another dispute letter to Experian dated XX/XX/year>. Despite my clear and thorough request, I did not receive any response from Experian with investigation results. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to conduct a reasonable reinvestigation when the accuracy or completeness of information in a consumer 's file is disputed. It appears that Experian has violated my rights as a consumer by failing to conduct such an investigation upon receipt of my dispute. 

I am including a copy of the dispute letter I sent to Experian, along with proof of delivery, to support my claim. I am now demanding that Experian immediately and permanently remove the disputed items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning systems is reporting information that does not belong to me. I have asked several times for a copy of my report and they keep telling me they will email me the report but to this date I have never received anything! It 's been over two months now. They are stating I have a account with XXXX XXXX XXXX, I do not, THE NAME THEY ARE REPORTING FOR XXXX XXXX XXXX IS DIFFERENT FROM MY LAST NAME. MY LAST NAME IS XXXX NOT XXXX! ALSO THEY ARE REPORTING THE SAME THING FOR A BANK CALLED XXXX XXXX XXXX, AGAIN I HAVE NEVER HEARD OF THIS COMPANY, AND MY LAST NAME IS XXXX. WHEN I CONTACTED THE BANKS DIRECTLY I WAS TOLD THEY CAN NOT FIND ME ANYWHERE IN THEIR SYSTEMS! BECAUSE EARLY WARNING SYSTEMS HAS REFUSED TO PROVIDE ME WITH A COPY OF MY REPORT THEY HAVE PREVENTED ME FROM DISPUTING THE INFORMATION!
Product: Debt collection

I am writing the CFPB to inform you of the improprieties conducted on behalf of Spire Recovery Solutions. Spire Recovery Solutions has no Proof of Authority, written consent, or court order that gives them permission to report anything about XXXX XXXX XXXX publicly. The FDCPA Fair Debt Collection Practices Act was put in place to protect consumers from such trespasses. XXXX XXXX is in direct violation of my right to privacy as pursuant to the Bill of Rights. Spire Recovery Solutions is Defaming my name and character to the public and is also in violation of the US Constitution. These discriminatory transactions that are being reported are impacting my ability to attain goods like buying a home for my personal, family, or household needs. My intent is to seek remedy in Federal Court
Product: Credit card or prepaid card

My name is XXXX XXXX, I've reached out to Sears Master Card services, to resolve a promotional balance program. I didn't sign up for this protional program and I requested that Sears show me proof of signature or evidence to my involvement in a promotional balance. I went on a cruise during The month of XX/XX/2017. I consumed a XXXX during that trip and Sears Master Card placed me in a promotional balance program that I didn't sign up for. I've been with this company for about 5 years and I've never missed a payment. I'm being charged outrageous high interest rates that's additionally added to my monthly note. I have audio proof of contact with Sears discussing my concerns. They can't show any signatures of me signing up for this program. I'm struggling to pay this, Sears is trying to charge me XXXX month plus, this amount is basically XXXX additional to my monthly note. My automatic payment went from XXXX to XXXX. I need proof I sign up for this program I wasn't aware of.
Product: Credit reporting or other personal consumer reports

There is an inquiry on my XXXX consumer report from JPMCB that I never authorized. I have no knowledge of this inquiry. I have tried to contact them at the number listed on my consumer report and the number is not in service XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I filed a dispute with both XXXX and Equifax about an account from XXXX and I have contacted them multiple times and filed disputes about this same account to let them know that is not my account, I do not own or never owned a vehicle and I never had services with this company. The account has been removed from my XXXX but not the other two and I would like for this account to be removed.
Product: Checking or savings account

On Thursday XX/XX/XXXX I opened a payee account for my son who receives ssi. I successfully opened the account and deposited the check which they were going to hold until the XX/XX/XXXX. Now I tried to use my card on Friday to make a purchase and I went to my chase online account only to find it suspended and I called and no one can tell me why and they won't realse my money until 10 bussiness days
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is an lien for {$1100.00}. The lien has already been released by the XXXX XXXX XXXX because they aknowledged that it was an mistake. Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Product: Checking or savings account

I've filed multiple complaints with Regions Bank for fraudulent charges to my checking account via debit card, yet they close out all my claims. I'm a victim of identity theft and have told them this. 
They close out my claims and say they need more documentation, instead of keeping claims open and obtaining the docs they need to investigate. I assume they do this so they don't hit the 10 day statute. 
Also, the software their investigations department uses is biased to go against customer 's interests. Regions is trying to reduce claims that get sent over to VISA. Because of this MANY valid and LEGITIMATE disputes for fraud or did not receive goods/services are being denied and the consumer has to suffer. This also raises concern over Regions not recognizes true and actual fraud and taking steps accordingly to protect the consumer, since their software denies customer 's claims. 
In my personal experience, I am now facing a great economic hardship because they refuse to push my disputes over to Visa. I have a police report, FTC report, and affidavit- yet Region 's  software keeps denying my claims. I'm not able to speak with the investigative department, nor are the customer service reps. 
My claims are 10 days past due. I am not counting them closing my claims just because they don't want to wait for docs. They rely heavily on their banking policies, but Federal mandated regulations for Federal Banks always trump internal banking policies.
Product: Credit reporting or other personal consumer reports

Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. To provide context, I first identified the presence of fraudulent items in my credit file on [ Date of First Discovery ]. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the fraud. I submitted all necessary documentation to substantiate my claims, which included proof of the fraud and any related police reports. After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries during which I was informed that the investigation was still ongoing. Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. Despite my repeated efforts to rectify this situation, the fraudulent items persist in my credit file, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. Kindly help me remove the following items immediately : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XXXX Owed : {$81.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$14000.00} - Reg XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

my sister bought a cashier check to pay me for a car I was selling my nephew. she obtained it from 5th 3rd at XXXX branch in XXXX.ky. they issued her a check on white plain paper. I took check to my bank and they refused to cash because the check was not on proper blue check paper. I then took to 5th 3rd XXXX branch and they also refused to cash. my sister called XXXX branch next day and was told they were out of blue paper but it was ok and to have XXXX branch called them when I went back to bank. id, we did, was told they were out of blue check paper for 3 days but all info was on the white paper-which was still uncashable. the XXXX branch manager was very helpful and I was issued a new check the next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to dispute multiple items on my credit reports, XXXX, XXXX, & TransUnion for items with balance of {$100.00}, {$650.00} $ {$120.00}. I have asked that such prior creditors provide proof of explained charges and all pertinent info relating to reported balance however i keep getting remarks back from credit bureaus as " verified as Accurate '' As per the federally protected consumer rights violations under 15 USC 1692i, I believe i have a reasonable case to submit further claims and letters, including to XXXX  and Attorney general 's office with my complaints.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Fraud : Bank of America Headquarters XXXX XXXX XXXX XXXX, NC XXXX I have requested Bank of America not to set up on-line access to my debit card. I told them I did not want any on line account set up on my checking account due to fraud. 
My cards were stolen and I requested that all cards be cancel XXXXdebit card and credit card too. 
( XXXX : XXXX a.m. ). I was told by XXXX of Bank of person that my credit card and debit would be cancel. 
However, I called today and was told ( XXXX ), that card was never closed out. 
There has been activity on my account and I would like a full investigation into this matter. 
XXXX XXXX XXXX  XXXX , XX/XX/XXXX Card ending XXXX time XXXX XXXX text to phone number XXXX XXXX XXXX Please explain why my cards were never cancel Called Bank America time XXXX XXXX on hold for XXXX minutes XX/XX/XXXX They can not protect my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against XXXX and SSTXXXX for continuing to report and furnish inaccurate information on my consumer report after several disputes have been launched and being in violation of the FCRA.
Product: Debt collection

A Credit account or consumer loan account showed up on my credit report from Bank of America. I asked them to look up this account and they showed no record of this account from my social security number. 

I have never had a Bank of America Credit Card nor took out a loan. 

I have contacted XXXX, XXXX and XXXX, answered questions and filled out forms but no resolution. The name on the account i my Ex-Wife. We have been divorced for years prior to this account showing up. 

Please help me remove this as it is having major adverse effects on my credit.
Product: Debt collection

This is from Green Tree about a double wide that was gave back to them, they sold it for just XXXX dollars and told us that we own XXXX to them. We set up a payment plan of XXXX a month and then they called back after a year and we have to started making XXXX dollars a month. Each month we have been faithful in paying what we set up with them and they have been cashing the checks every month. We received a letter from them stating that we own XXXX and they wanted it in full by the XX/XX/XXXX. I called and got XXXX and she was telling me we did not set up a payment with them. And that every 6 months we need to re-set it up. My problem is this is the first letter that we have gotten in about 4 years from them. She was telling me that we need to fill out a financial statement and mail it back to the company, she is suppose to be mailing one out. She basely threaten us that if we did not mail it back. We have to pay it in full by XX/XX/XXXX. My question is this if this was true then why have they not call us or quit cashing our checks. We have proably been paying on this debt for about 9 years and now they are threatening us. We are doing the best we can do and we are trying to pay for this double wide that they sold for nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report with TRANSUNION. I noticed inquiries on my credit report that i did not authorize, that are no connected to any account on my credit report by the following banks. XXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX inquiry date XXXXXXXX XXXX XXXX XXXX XXXX XXXX inquiry date XXXX. XXXXXXXX XXXX XXXX Finance inquiry date XXXX XXXX. XXXX. According to 15 USC 6802 ( a ) A financial institution shall not disclose to other agency an account number similar form of access code or transaction of consumer. According to 15 USC 1681 ( b ) I did not give written consent no instructions for any inquiries to be allowed to report to TRANSUNION Credit Bureau. Please verify all in written letter. According to 18 USC 2028 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has committed Aggravated Identity Theft which is a crime according to 18 USC 2028. Please remove all inquiries on my credit Report with TRANSUNION
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX violated Section e ( 10 ) of the federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 10 ), which prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt. '' attempting to collect a debt falsely represented that XXXX XXXX XXXX had a legal right to collect the debt XXXX XXXX XXXX is required to have a license under the New Jersey Consumer Finance Licensing Act, XXXX. XXXX et seq. ( XXXX ) to pursue collection, XXXX XXXX XXXX is a unregistered in the state of New Jersey and unbonded in the state of XXXX XXXX is registered under NMLS ID : XXXX in the state and city of XXXX VIRGINIA XXXX Branches : CA, XXXX, KS, NC, XXXX, TN, TX, VA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been denied a credit because of in accurate information on my file with Experian Credit Reporting agency. I disputed the info last year and they supposed to delete and or correct it however they did not. I called Experian again today and they told me they will contact the creditors and get back to me. The status information on file shows the accounts were involved in a bankruptcy, however these account were a mortgages and a line of credit were paid in full and never were involved in any bankruptcy. I need your help here to get these derogatory information being removed from the file, since other Credit Bureau has no issue with this. I am in the process of refinancing my house again and buying a new car. Please help me here.

Thank you for your prompt attention.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX   XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/XXXX and Notice there we're hard inquiries are Hurting me from getting approved for loans and cars. 
I've already reached out to the following credit bureaus and they keep violating my rights under 15 USC 1681B. I also attached the Hard Inquiries that does not have any purpose on my credit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX XXXX Balance : {$10000.00}
Product: Credit card or prepaid card

Capital One Bank automatic system keeps going over the same automated thing when i want pay my bill. For several days this ben going on. I do not want to give my banking information to no human. 
I call several times a day and it's the same old thing. 
They try tell me something about the phone number. I have several phone numbers that are land lines in my home other than a cell phone number. 
XXXX excuse after another all i want to do is pay my balance off for my credit card.
Product: Vehicle loan or lease

I contacted Caribou Refinancing to refinance my vehicle. Upon pre-qualify I was presented 2 options for refinance. I made my choice to waive all add on extras I also chose a 72 mo term at interest rate. I was then told to supply payoff quote, original contract, id 's, registration, pay stubs, etc... Upon doing so I received a call from my loan XXXX XXXX. During this recorded conversation numbers seemed fine but XXXX was insistent on trying to sell me product. I informed him NO numerous times. I also informed him my vehicle has a warranty on it until XX/XX/2023 thru XXXX. I also informed him it's both transferable and renewable. He continued the sales pitch so I hung up. The site then asked me to finalize loan by reviewing and signing. The numbers were way off. I emailed XXXX to ask why and he did not mention anything about adding a powertrain warranty to the refi. This powertrain warranty added against my wishes and without my knowledge or even mentioned drove the financed amount up {$1300.00}. How many others are they doing this to? 
Truth and transparency in lending, I think not. I have not signed the documents. I should also mention this was also done after they performed a hard pull on our credit. The XXXX attachments show a few things. 1. It shows no extra added coverage on there loan offer ( screenshot ). 2. Shows over a {$2000.00} discrepancy in payoff amount and new financed amount. {$1300.00} is the undisclosed powertrain warranty.
Product: Vehicle loan or lease

On   XXXX   XXXX   I sent a payment of {$5000.00} towards the principle to  Santander Consumer USA. The extra payment I sent was not 100 % applied to the principle. They took a percentage and applied it to the principle and the other percentage was taken for interest.   <P/> I had received statements in the past, but did not receive the statement for the month of  XXXX  from  Santander Consumer USA reflecting the {$5000.00} amount I s ent. The last statement I received was on  X/XX/2017   . This statement did not reflect that payment of {$5000.00}. I reached out on   XXXX     because I was worried they had n't received it. It was then that I was told that {$4900.00} and change was only applied to the principle and the rest was taken for interest. The rep that helped me did not know why the whole {$5000.00} was not applied to the principle. As mentioned above, they never sent me the statement reflecting this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexis nexis has blatantly declines to delete information which has so many inaccuracies. I called LexisNexis to verify why are they sharing incorrect information and why is it they send me a report with so many inaccuracies. I told them the integrity of the data is shows so much inaccuracies and I need it to be deleted based on the FCRA US 15 1681M A security freeze was placed on my LexisNexis report on XX/XX/2021 and XX/XX/2021
Product: Checking or savings account

Im trying to open a Premier HSBC checking account and savings account with HSBC. I had a Premier account with them many years ago which I decided to close and was closed with no issues, no negative balance or any problems at all. When I went to open an account today online, the website stated the system recognized me as having a current or past account, and asked me to call a number XXXX. When I called them and explained the problem, they were able to get my info and found the previous closed account. They informed me they couldnt help me over the phone, and that I had to call a local branch to ( and I quote ) have my profile deleted so I could then apply for the account. I contacted my local branch and I was told thats not how it works and that they had no idea what that was about. I was advised to call back that number and ask for a supervisor. I called back and asked to speak with a supervisor and was told there werent any. The agent on the phone did not offer any solutions to my problem.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my credit report, please remove these accounts from my report, they are hurting my ability to obtain credit.