23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. Experian said they are investigating the other XXXX would not do anything. Also when I dispute with XXXX it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially two bankruptcies that I never finished going through the court system for. I provided paperwork to XXXX showing the case was dismissed and I owe nothing, zero balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an Experian Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting

This dispute concerns my Paid Collection Account [ XXXX, XXXX ] on my Experian Credit Report file ; The original creditor for this collection account is XXXX XXXX XXXX XXXX. It is my understanding that a Collection Account ( Potentially Negative Account ) is deleted from a credit report file 7 years from the date of XXXX delinquency with the original creditor [ XXXX XXXX XXXX XXXX ]. My Experian Credit Report File only shows the date that XXXX, XXXX received the XXXX XXXX XXXX XXXX account for collection, which was XXXX XXXX. The date of XXXX delinquency with XXXX XXXX XXXX mobility should be reported as XXXX XXXX, not XXXX XXXX. I have disputed the accuracy/inaccuracies of this collection account with Experian, but they apparently will not conduct a thorough investigation which should include contacting XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I the company Experian have not reported my three accounts with the company XXXX  for the months of XXXX, XXXX, XXXX, XXXX, and XXXX. I have requested to Experian to correct problem and they have not tried to fix and I was told it was done.
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. 

List of Unauthorized Inquiries : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am writing to dispute the accuracy of the information being reported on my credit report by XXXX XXXX, TransUnion, and XXXX. Upon reviewing my credit report, I have identified discrepancies in the reported open dates and high credit amounts, which I believe to be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. 

As per the FCRA, it is imperative that accurate information is reported by credit bureaus and creditors alike. However, the inconsistent reporting by XXXX XXXX, TransUnion, and XXXX has led to discrepancies in my credit report, specifically regarding the open dates and high credit amounts associated with my accounts. 

Furthermore, the discrepancies reported by XXXX XXXX, TransUnion, and XXXX are not only inaccurate but also constitute a violation of the Privacy Act of 1974. This act mandates the protection of individuals ' personal information held by federal agencies, and any violation thereof is unacceptable. 

In addition, I am exercising my right under 15 USC 6802 to opt out of the reporting of this account on my consumer report. Therefore, I formally request that XXXX XXXX cease reporting this account to TransUnion and XXXX effective immediately. 

I request that XXXX XXXX, TransUnion, and XXXX conduct a thorough review of their reporting practices to ensure compliance with the FCRA and the Privacy Act of 1974. It is imperative that accurate and compliant information is provided to credit reporting agencies to protect the rights and interests of consumers. 

Please consider this letter as a formal dispute under the provisions of the FCRA and the Privacy Act of 1974. I expect XXXX XXXX, TransUnion, and XXXX to take prompt action to address this matter and provide confirmation of the actions taken to rectify the inaccurate reporting. 

Thank you for your attention to this matter. I anticipate a timely resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Debt collection

Today I called a collection agency called Jefferson Capital Systems. This agency has posted a debt purchase from XXXX, which dates back into XXXX. However, in XXXX the account was posted with another collection agency called XXXX XXXX, XXXX. I did make arrangements with that company, the account weas paid and then removed from all of my credit reports. Now comes Jefferson Capital Systems, claiming on my XXXX report that they are a debt buyer, and that the account comes off of my credit report in XX/XX/XXXX. This is totally fraudulent. When I called XXXX, the agent claimed that the debt is too old to collect on. I never received anything in the mail pertaining that they had my personal information. This company needs to be closed by the CFPB for totally fraudulent collection practices and identity theft. No such debt was ever purchased, and my credit report was ruined by this destructive collection process. The account needs to come off of all credit reports immediately, and I should be compensated for damaged caused by Jefferson Capital Systems. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX, XXXX XXXX XXXX XXXXXXXX,
Product: Student loan

I am a conscientious borrower and historically have kept my student loans payments up to date. To make this easier, I changed from individual internet payments to using the bill pay service from my bank. When I made internet payments to ACS, they would divide the payment between my XXXX accounts there. When I changed to my bill pay service, they began to apply the payments exclusively to XXXX account. Consequently, XXXX account is now paid up through spring next year. But the XXXX account is listed as overdue. They reported me to the credit agencies because of the overdue account. I have called multiple times explaining the circumstance, and asked them to apply the amount necessary from the over-paid account to the past due account to bring it current. I now make to separate payments each month to keep the overdue balance from getting larger. But despite my efforts and multiples calls, they still have not transferred funds from the over-paid account to the overdue account. They have reported me to the credit agencies, which has had an impact on my credit rating. And they keep calling me and hounding me at work. I see no reason why a consumer who has over-paid ACS should be subject to the embarrassment of being called by creditors at work ; a decrement in my credit score ; and the frustration of explaining the circumstance over and over only to have ACS fail to address the circumstance. Please help.
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit card or prepaid card

XX/XX/21 Used Convenience check # XXXX associated with my account that had 2 % conveyance fee for a company building a pavilion on my property. The check had to post by XX/XX/21. 

XX/XX/21 Unidentified caller ( caller ID ) Left message at XXXX. Message was retrieved by me later that evening and it was Barclays security department verifying the check was written by me. 

XX/XX/21 Called Barclays security department in the morning and was told the check was denied already ( less than 24 hours after their message ). I was bounced around between the security and customer service departments approximately 1 hour. The Barclay system disconnected my call several times during this timeframe, and I had to keep calling back in and re-explain the situation each time.

I was finally passed to the person at Barclays who actually creates their internal report of the denied checks. She reached out to a manager, put me on hold and my call was disconnected again. She called me back because I told her how many times I was disconnected. She said they got the check removed from the report and told me everything is fine and the check will clear. 

XX/XX/21 Last day for convenience check to post for 2 % fee. 

XX/XX/21 Received notice the check was denied again after confirmation the check was removed from the report and told it would clear. I had to scramble and pay the contractor by different means so the construction project wasnt removed from their schedule. 

Once again, after several disconnected calls and a total of 2 hours and 55 minutes on the phone with Barclays, I was apologized to multiple times. No one could ever tell me why the check was denied again after I asked several times. I told them I was wronged in this whole scenario because now the conveyance fee is 3 % and I had to pay for the first half of the project by different means. Barclays agreed. I told them I plan to pay for the final half of the project with a conveyance check but its now 3 %. 

I was instructed to use the 3 % check but call in and let them know I wrote the check so it is not declined again for fear of fraud. I was also instructed to wait until it posts then call in and I would be refunded the 1 % difference in the fee. 

XX/XX/21 : Project is completed and the 2nd check, # XXXX associated with my account is written. Barclays as called and alerted the check was written, to whom it was written to and the amount and I was told it was noted in my account. 


XX/XX/21 : As I was instructed on XX/XX/21, I called Barclays today to request the 1 % difference refunded to my account. After 3 people, 3 disconnections again I was told there is no record of any of this in my account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts being disputed : XXXX XXXX XXXX XXXX Account # - XXXXXXXX XXXX XXXX XXXX Account # - XXXX
Product: Vehicle loan or lease

Was told prior to becoming delinquent that the only way I could obtain assistance with mitigating my debt was to fall behind by multiple representatives inXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX- I was transferred to Customer Service who then transferred me to a resolution representative and was told because I am not more than 60 days delinquent they can not assist me with any options to prevent delinquency and damage to my credit, and that these options were available.
Product: Debt collection

American Express calls me around 6 times a day, first thing in the morning and last thing at night, numerous times during the day, at work. They wont quit. I called them and explained the situation but they just keep calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I checked my personal credit report and noticed multiple inquiries to the following companies. That I did not authorize to. The companies are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies and this is fraud.
Product: Debt collection

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Cardmember Service Attn : Billing Inquiries Customer Service XXXX XXXX XXXX XXXX, DE XXXX Re : Notice of disputed charge to Account No. [ XXXX ] Dear [ Contact Person or Billing Inquiries Division ] : I am writing to dispute a charge {$440.00} to my credit account on XX/XX/2021 The charge is in error because I cancelled the card, indicated that I no longer desired to hold Southwest Rapid Rewards Card, and pay the annual fee.

I have spoken with Customer Service on numerous occasions. I explained that I am no longer employed due to COVID-19, and that I am not able to financially pay continuous interest charges on a card that I no longer want. 

No individual in CUSTOMER SERVICE had/has offered any solutions or empathy to my financial situation. I have requested on multiple occasions that all charges are removed. However, I have been repeatedly been told erroneous information in a condescending method. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement -which should be a balance of {$0.00} It is truly overwhelming that in consideration of the current economy, my personal circumstances, that this continues to be handed in an avaricious manner. Also, your standards fail to acknowledge the current hardships created by COVID-19. This is a poor example of customer service.

Furthermore, Id like to point out that my current credit cards are paid in a timely manner. I will never recommend Southwest Rapid Rewards Chase card to a colleague. 


Please correct the error on my account promptly. 

Sincerely, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX Go to consumerfinance.gov/complaint
Product: Checking or savings account

I have a checking account, the Spending Account, with The XXXX XXXX via the XXXX company, Chime. Last month on XX/XX/2023, they suspended my account and I lost access to the account including the ability to log onto their website and mobile application. 

I have repeatedly tried to provide the information they are requesting to unsuspend my account but they are refusing to unsuspend my account, indicating the information I provide is insufficient. I have provided them with all the information I have so it seems that I have exhausted my options to unsuspend my account. 

Thus, I simply wish to retrieve my most recent statement and close the account and receive confirmation that my account has been closed. The usual way to close the account is via their mobile application as indicated on their website, https : XXXX, but lost the ability to log onto the app since they suspended my account. 

I have both tried contacting Chime Member Services at XXXX and emailing XXXX but they continue to request information and refuse to close the account. I am tired of dealing with their unresponsiveness and don't want the account to accrue fees and reason for them to take my funds.
Product: Checking or savings account

M & T Bank Claim Number # XXXX. I called and disputed the charge of {$150.00} that was charged to my account on XX/XX/XXXX by XXXX as i have not booked anything in a very long time. On letter dated XX/XX/XXXX M & T Bank sent me a letter stated they are denying my claim due to an email i use for the booking. I have since logged into that account and the last time a booking was made to that account was on XX/XX/XXXX. There was no more bookings used after that with that account listing with the email. I do not see any documents that show if or who actually went to the hotel.
Product: Debt collection

I do not owe the debt, I have proof of everything. This company Phoenix Financial Services already had my alleged account on XX/XX/XXXX but they are reporting it as new on my report as open date XX/XX/XXXX. That is a lie. I have derogatory evidence from my credit file from XXXX that proves they previously had this account with same amounts. They keep passing this account between XXXX XXXX XXXX and back to Phoenix just to update it to my credit report. I will never pay the amount cause it is not my debt. They are wasting their time and money on me. And the attempting garnishment of my credit better stop or I will have no other choice but to bring a lawsuit against them for my rights violation. Thanks
Product: Mortgage

we have mortgage with greentree servicing. I applied for an inhouse modification which would reduce the interest and put the late payments at the back of the loan. and forgive the late fees. ( they would not even talk about a mod until we stopped paying them XXXX so thisput a negative impact on our credit scores. we use auto bill pay which insure ontime payment and now they claim we were late and want to tack on over {$10.00} XXXX in interest and {$600.00} plus in other fees. the forms they send out are so confusing and talking to a customer care rep is so bad. This month they send out XXXX invoices for XXXX payment and they are not even sending to my address where I live.