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

I am filing a complaint against XXXX, XXXX and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX, XXXX and Experian consistently responds within XXXX hours stating the account is accurate, without providing evidence of a thorough investigation. this practice violates the fair credit reporting act 15 U.S.C. 1681 is the section of the Fair Credit Reporting Act ( FCRA ) that states the purpose and findings of Congress regarding the accuracy and fairness of credit reporting. The FCRA also includes procedures for credit reporting agencies to follow. also the The Consumer Financial Protection Act is codified under 12 U.S.C. 5481 onwards in the United States Code, specifically within Chapter XXXX, Subchapter V, which establishes the Bureau of Consumer Financial Protection responsible for enforcing consumer financial laws. 

I want reported accounts removed XXXX 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, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigated and removed for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} FB XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Bankruptcy XXXX # XXXX. As we are undoubtedly aware, under Section 611 of the FCRA, it is your responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to your attention. It is now your obligation to investigate and correct these errors within 30 days, as required by law.
Product: Credit reporting or other personal consumer reports

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my XXXX. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Product: Payday loan, title loan, or personal loan

In XX/XX/2023 i had taken a installment loan for flloring and was given 0 % interest rate until XX/XX/2023. I was told after that date. Interest will be charged for the remaning balance at that time. I had a balance if {$1200.00} as of XXXX. However wells fargo has charged me interest of {$1400.00} on XXXX for the entire loan amt of $ {$6000.00} and not just the {$1200.00}
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the continued reporting of fraudulent accounts and inquiries on my credit reports by XXXX, Experian, and XXXX, despite submitting a valid Identity Theft Report through XXXX and other supporting documentation. 

Fraudulent Accounts : XXXX Auto : Account Number : XXXX ( All XXXX Bureaus ) XXXX  Auto incorrectly claims this account belongs to me. Despite notifying them of identity theft, they have sent correspondence to an incorrect address and have failed to provide any evidence linking me to this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of Federal Law : The continued reporting of these fraudulent accounts and inquiries violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681c-2 : Requires the blocking of fraudulent information upon receipt of a valid Identity Theft Report.

15 U.S.C. 1681i : Obliges credit bureaus to conduct a reasonable investigation when disputes are filed.

15 U.S.C. 1681b : Restricts permissible purposes for accessing and reporting consumer credit information.

15 U.S.C. 1681e ( b ) : Mandates credit bureaus to ensure maximum possible accuracy of the information reported.

Resolution Sought : Immediate removal of the above-listed accounts and inquiries from all credit reports. 
A comprehensive investigation into XXXX Autos improper handling of my case and their failure to validate the account after an Identity Theft Affidavit was submitted. 
Full compliance with the FCRA, with statutory damages under 15 U.S.C. 1681n if violations persist. 

The letters I submitted for this dispute are attached for reference. I respectfully request the CFPB to ensure that XXXX, Experian, and XXXX comply with federal law and uphold my consumer rights. 

Thank you for addressing this urgent matter. I look forward to your timely resolution.
Product: Debt collection

The ability debt collection continues to try and collect a fraudulent debt. I had services at the hospital.that were paid in full. The hospital said that any amounts outside of what they charged is fraud and that they can't legally charge anything outside of the hospital 's fees. If you continue to try to bill me for an amount that was paid to the hospital for that date of service with a XXXX balance I will file a fraud claim with the Connecticut Attorney Generals office. I didn't sign anything to pay and XXXX XXXX XXXX a different amount than the contacted amount allowed by the state. XXXX XXXX XXXX is a subsection of XXXX and also states the balance is XXXX. I never had any private provider services. If you have proof that I requested different services from this provider please mail them.
Product: Debt collection

On XX/XX/18 this account was obtained fraudulently on my consumer credit report in the amount of {$320.00}. As a collection and charge off .I have corresponded with this company on several occasions to delete this info for it is not mine and this account meets FCRA requirements per my attorney. this information has been taken of my XXXX report so the others should take it off XXXX and XXXX.
Product: Credit card or prepaid card

At the end of XX/XX/2019, I received an offer for a Gold American Express Delta miles, offering me XXXX miles if I opened an American Express Card and spent {$2000.00} within the first 3 months. I was surprised as I had received this same offer at least a year earlier, was awarded the XXXX miles and then closed the account. 

I called American Express and spoke verbally to a customer service representative and asked her to confirm ( at least twice ) that I was eligible for this offer. She actually put me on hold to check. I clearly stated that I did not want to open a new account, obtain a new card, if I was NOT eligible for this offer, for the XXXX miles. When I received the new card in the mail, I began the process of adding this card to my online profile/account and decided at that time to confirm the award of XXXX miles. 

I called American Express three times beginning on XX/XX/XXXX and all three reps said I had not been eligible for the offer. I asked them to honor the offer as it had been confirmed to me by the rep. All three times, they said the would listen to the recording when I opened the account/card - and someone would get back to me. I know there is a recording out there of the rep confirming I was eligible for the XXXX miles. No one ever replied to me and I am angry that I opened this account, which has affected my credit record - and was completely misled - and lied to by American Express.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I checked my credit report and noticed an alert of a delinquent XXXX account with overdue credit charges that had contributed to my credit score dropping by near XXXX points. These overdue credit charges were approximately {$160.00} from a XXXX credit account/credit card which I had NEVER started or had no idea how it came about nor did I recognize it. This fraudulent account was supposedly opened around XX/XX/year>. To clarify, I NEVER personally started a XXXX XXXX account nor got a credit card and bought stuff with it nor did I ever even inquire about one. I reported this to XXXX XXXX as identity theft/fraud and this fraudulent account was frozen and closed and put under investigation. During this process, it was reported to me that the individual who started this account used all of my information except for my current mailing address, the mailing address used was a California mailing address proving the fraudulent act as I live in West Virginia and have my mailing address in West Virginia and have never had an address in California. This is all currently under investigation. After this, I contacted XXXX and Transunion to dispute these fraudulent issues on my credit report, and these disputes are currently in process as well.
Product: Credit card or prepaid card

I own a XXXX XXXX and I have XXXX XXXX banking relationship with Bank Of America ( unfortunately ). I also have a credit card linked to XXXX checking account. 
In XX/XX/XXXX, I traveled to XXXX on a business trip and used my credit card once in a restaurant. That was the only time I used Bank of America Credit Card in XXXX. In XX/XX/XXXX, when I returned to US from XXXX I noticed two large transactions on my credit card account, totaling about {$6000.00}. Both transactions were unauthorized and were made somewhere in XXXX. I called Bank of America XXXX XXXX Credit Card unit and disputed both unauthorized transactions. Bank of America gave me a temporary credit and issued a replacement credit card as usual. 
A week later I received a letter in mail to identify the transactions to return to BAC. I identified the transactions ( only 2 as stated above ) and singed off the document and it was mailed back to Bank of America. 
Couple of weeks later I received a letter in the mail informing that Bank of America investigated the disputes and they found those charges to be valid. Their reasoning was that it was credit card chip read and/or PIN was entered. The temporary credit was reversed and now I am liable for unauthorized charges in my credit card account. 
I called the number in letter and they told me the same thing that these charges are valid while I kept telling them that I did not make those purchases. But they will not listen. They reopened the issue and it was denied for the same reason. Then they ask me about my possession of the card and I told them that I was working in an office and a lab ( both in same building ) and my card stayed with all other credit cards and my passport in my laptop bag. So they concluded that I did not secure my credit card and someone used them while the card was in my bag. The funny thing is, they failed to explain how someone stole my card, used it and returned it back to my bag in TWO SEPARATE OCCASIONS? 

Here are the details of each unauthorized charge : XX/XX/XXXX - XXXX XXXX - {$5400.00} ( + {$160.00} International Transaction Fee ) XX/XX/XXXX - XXXX XXXX - {$420.00} ( XXXX International Transaction Fee ) Account number ending in XXXX Case number is XXXX While I was applying for this credit card they promised " {$0.00} liability protection for unauthorized transactions '' but now they are trying to say unauthorized transactions are valid. Bank of America is not willing to accept that the card/number has been compromised and has been used by unauthorized person/persons in two different occasions on two different dates. They are blaming me for not securing my card. At one point one of the reps told me that I have to hand carry my card at all times including in the bathroom. Yes, thats right those were the exact words she used.
Product: Checking or savings account

I am trying to dispute my checking account I had with bank of account because my checking account was stolen by my ex boyfriend. Now I can't open any accounts at no bank.
Product: Payday loan, title loan, or personal loan

This company offers both payday loans and installment loans. I took out a payday loan in order to be able to pay off my installment loan and renew it. I paid off the loan early but when I tried to initiate it again, it was denied. The stated reason was that my income was insufficient. This seems dubious for several reasons : 1. My income is the same as it was the last times I renewed the loan. 2. The loan amount is also the same, and is only {$400.00}. 3. I have the highest status in their internal reliability rating statement and a history of 100 % complete and on-time payments. 

The company will not allow me to apply again for 30 days, by which point the loan will not help me. In the past, they unilaterally changed the rules of their system and took away the most exclusive loans that offered friendlier rates and mandatory credit bureau reporting ( to build good credit ). This was frustrating as I was working toward the status level that would allow me to do this and had nearly attained it when they took it away. Their rates are excessively, punitively high- just like your local check-cashing place. I had continued to use them because they allowed me to choose for the {$400.00} installment loan to appear on my credit report. Now that they have denied it without giving me a legitimate reason, I will never use them again. In the long run, I will be better off because I will no longer be paying Lendup their abusive interest rates, but in the short term it has been painful. I used all of the money in my checking account to make the last payment early, so when they then did not allow me to renew the loan I found myself facing late bills and overdraft fees. I would caution anyone against using this companys services.
Product: Credit reporting or other personal consumer reports

DISPUTE XXXX XXXX DISPUTE WASNT INVESTIGATED DISPUTE FILEDXXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILEDXXXX. XXXX XXXX XXXXXXXX XXXXXXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXXXXXX XXXX WASNT INVESTGATED XXXX DISPUTE FILED XX/XX/year> XXXXXXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year>XXXX XXXX XXXX WASNT INVESTIGATED XXXX DISPUTE FILED XX/XX/year> XXXX XXXX XXXX  WASNT INVESTIGATED
Product: Mortgage

XXXX XXXX 2015 contacted my current mortgage company to refiance my loan. They did credit check, appaissor done, was sent appraissal copy then for month no communication after i kept emailing for a status, then given false info abt title company called them was fixed loan processor still no communication after calls & emails. I called the ditech guy he then called a supervisor gave me another person as loan processor. She said things needed fixed before closing well all this time 2 months no one told us, got these fixed but then title company XXXX had papers since XXXX XXXX 2015 nvr cleared title for closing. Until after XXXX XXXX 2015 which then expired my application. Told all need to do was resubmit for application loan then they called saying ur credit now lower ( ya XXXX hard inquiry by them in 4 months ) cant do conventional but can do fha loan costing more. Ive paid my mortgage for 20 years same address but now they stalled around for months telling me false statement when application expired ( have email as proof ) can just resubmit knocked my score lower and trying to act like its ok they stalled around no communication for months on something they do everyday as professionals. How is a person to do as they need to when these companies seem to get away with stalling or right out lie abt process after their mistakes which they admitted to.
Product: Credit reporting or other personal consumer reports

15 usc 186b Clearly states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer.

That's aggravated Identity Theft 18 usc 1028A because they have possession of your information and they are also using it without consent from the consumer XXXX/Equifax/XXXX XXXXl XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX- Open date : XXXX XXXX XXXX- Open date : XXXX XXXX XXXX XXXXXXXX XXXX- Open date : XXXX
Product: Checking or savings account

On XX/XX/XXXX, the same day as my complaint regarding a credit card being issue in my name from XXXX XXXX XXXX XXXXXXXX, an unauthorized transfer of {$10000.00} was debited from my business account at Wells Fargo Bank. I have contacted the Wells Fargo Fraud Department and the case has been assigned XXXX. 
Posted Transactions XX/XX/23 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} Category : Other Insurance/Financial We have no knowledge of this person and the vendor XXXX.
Product: Credit card or prepaid card

U.S. Bank has been charging me XXXX XXXX interest on a cash advance for {$160.00}, but for some unknown reason, the money was removed from the cash advance category and added to my account balance, which is thousands of dollars. I contacted U.S. Bank on XX/XX/2022 and spoke with customer service and requested to pay off the cash advance to eliminate the XXXX XXXX  interest charges, but was told that I couldn't do that unless I paid the entire balance in full. I informed her that I could not afford to pay the entire balance at XXXX time and that trying to do so would cause me serious financial distress! She was indifferent to my situation and continue to repeat their policy. At this time I told her that this was very unfair and I would be filing a complaint. In addition to being prevented to pay off my cash advance, U.S. Bank has also been charging me added interest on my card that was not listed on my billing statement under, " Interest Charged ''. After paying the interest on my monthly billing statement each month, several days later U.S. Bank has been notifying me, via email that I am being charged for a " Purchase '', but the reality is that it's more interest payments! On my latest due date billing for XX/XX/2022, it stated that my interest charge was {$310.00}. But after paying the added interest of {$280.00}, I actually paid {$590.00} interest! And when you factor in my XX/XX/2022 automatic payment of {$690.00}, my total payment for XX/XX/2022 was {$1200.00}! U.S. Bank taking money from my cash advance category and placing it into my account balance category thereby making it impossible for me to pay, and charging me added interest that was not included for payment on my monthly statement is highly irregular and should be cause for an investigation.
Product: Credit reporting or other personal consumer reports

My Equifax credit report shows a delinquency record with someone elses XXXX credit card that I dont own - I checked with XXXX  and they can not link the card to me in any cases ( they are having different socials for sure - the only XXXX  card that my social is linked is the one ended with XXXX ) But its showing in my Equifax report, and Equifax only ; the credit card has delinquency history from XXXX to XX/XX/year> and is impacting my credit score that should be. 

I having been making payment for my card and check scores ( but not Equifax ) frequently, and will never miss a payment
Product: Credit reporting or other personal consumer reports

The following entries are fraudulent and must be expunged from my credit report : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe.
Product: Credit card

I made two payments XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. They sent notification payments were received then froze my account and made it so I could not sign into my synchrony account because they say something suspicious happened with my account. When I called to ask they said they dont know what Im talking about. They have flagged my account for complaining. Im treated horribly anytime I contact them through customer service chat. Amazon the main company now requires my id and incident report and pictures. How am I supposed to send pictures for items not received? Amazon redirects me 20 places before I get an agent and this happened since I complained.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my report before going to purchase a car and I noticed these accounts that don't belong to me. 

1. XXXXXXXX XX/XX/XXXX {$430.00} 2. XXXX/ XXXX XX/XX/XXXX {$110.00} 3. XXXX XXXX XX/XX/XXXX {$220.00} 4.XXXX XXXX/ XXXX XX/XX/XXXX {$260.00}
Product: Debt collection

For some reason, Capital Accounts continues to report to the credit bureaus, that I have an outstanding balance of {$210.00} owed to XXXX XXXX XXXX. However, this bill has been paid since last XXXX, and I am attaching a letter from this collection agency to confirm it. I have been contesting this account with the credit bureaus for months now, but Capital Accounts refuse to report accurate information about this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help removing this negative accounts that XXXX  is reporting and hurting my credit score,  they are as follows : XX/XX/XXXX XXXX XXXX amount {$480.00} XX/XX/XXXX XXXX XXXX XXXX  {$840.00} XX/XX/XXXX XXXX XXXX {$29000.00} XX/XX/XXXX XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$460.00} XX/XX/XXXX XXXX XXXX {$490.00} Please help me in removing and resolving this issue, thank you.
Product: Credit reporting or other personal consumer reports

I am raising a formal complaint regarding XXXX, XXXX, and Experian for their repeated failure to address inaccuracies on my credit report. Despite submitting disputes multiple times, the errors remain uncorrected, showing a lack of compliance with legal requirements to ensure accurate reporting. 

FCRA 1681e ( b ) Violation : The credit bureaus failed to follow reasonable procedures to ensure maximum possible accuracy in the information reported. The inaccurate information on my report demonstrates negligence in their verification processes.

FCRA 1681i ( a ) ( 1 ) ( A ) Violation : Despite my disputes, no meaningful reinvestigation has been conducted, and I have not been provided with any supporting documentation to validate the information in question.

FDCPA 807 ( 8 ) Violation : The collection account in question continues to report incorrect details, including an inflated balance, which is deceptive and harmful to my creditworthiness.