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

Experian has once again failed in its legal obligation to ensure accurate credit reporting, and I am beyond frustrated with its blatant disregard for federal law and consumer rights. My XXXX XXXXXXXX XXXX account ( # XXXX ) is being falsely reported with incorrect payment information. Experian is the only credit bureau misreporting my payment status as Paid, was past due XXXX  days two or three times, while both XXXX and XXXX correctly report it as Paid or Paying as Agreed. How is Experian the only bureau making this mistake? If the other bureaus can report accurate information, then Experian has no valid excuse for this inaccuracy. To make matters worse, Experian is also falsely listing late payments for XXXX and XX/XX/year>, which are completely inaccurate. This is not a simple clerical errorthis is reckless, negligent, and unlawful. 15 USC 1681e ( b ) explicitly requires Experian to ensure maximum possible accuracy in consumer credit reports, yet it has completely failed to do so. Under 15 USC 1681i, I am formally disputing these errors and demanding an immediate reinvestigation and correction of this misinformation. If Experian fails to correct these inaccuracies, it will be in direct violation of the Fair Credit Reporting Act and will be held legally responsible for any damage caused to my credit profile.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. They failed to comply with the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX XXXX and XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Re : Request for Deletion of Accounts and Block of Inquiries I am writing to formally notify you that I am a victim of a data breach and to request the immediate blocking and deletion of all accounts and inquiries associated with the breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the details of the affected accounts and inquiries that need to be blocked and deleted : ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed an invoice to Experian for its Violation of my Consumer Rights under the FCRA, and after waiting 30 days, I received an invalid response to my issue. Instead, they decided to just delete more items from my report admitting more guilt. 
Certified Mail Number : XXXX XXXX XXXX XXXX XXXX Sent out on XX/XX/202XXXX XXXX
Product: Credit reporting or other personal consumer reports

My consumer report is showing an account from SBNA SELF LNDR that has a {$0.00} balance but is still being reported to XXXX I would like this account removed immediately. Pursuant to 15 USC 1681, Section 602, I have a right to privacy regarding my financial information. Additionally, under 15 USC 1681b ( 604 ) ( a ) ( 2 ), my consumer report should only include information that is necessary and relevant for the purpose for which it was obtained.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX and XXXX XXXX XXXX account XXXX XXXX, has violated my rights.

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.
Product: Credit card or prepaid card

Due to Covid -19 my airline tickets were cancelled. There is no balance due on the card. The bank has gotten payment in full for the tickets. The money, from the airline, was put back onto my Bank of America credit card. That was on XX/XX/XXXX. I contacted them to refund me my {$2100.00}. I asked for an electronic transfer and gave them the bank routing number and account number. After holding my cash for a week nothing was done. I called them again. This time I was told they were not allowed by law to refund via an electronic transfer. It had to be a check made out to me and sent to my home address. They said it was in progress and I should have the check within a week. Now another week has passed and they still have not refunded my money. How long can they hold my funds before they transfer the money back to me? Is it true they can not do an electronic transfer. I have friends that have received refunds from another bank using an electronic transfer. They are collecting interest or lending out my funds. I thought I had the right to an immediate return of funds. If I owed them money they would call the credit bureaus, start debt collection. What are my options?
Product: Checking or savings account

I opened an account with Citizens in response to a promotional offer of {$300.00} if you established direct deposit, which I did. However, I did not receive the {$300.00}. I called and inquired about the {$300.00}, and it was eventually credited to my account. Citizens claimed there was a mixup about my address ( missing apartment number ) that somehow prevented the bonus from being credited initially. 

Family members of mine also opened Citizens accounts under the same promotion and none us received the bonus without calling to inquire about it. It seems clear that Citizens Bank is offering the promotional bonus with the hope of never having to pay it, relying on the fact that most people will either not remember the promotion or will be too busy to follow up on it.
Product: Debt collection

Harris and Harris doesn't seem to be a legit company. I tried contacting them several times at the number listed XXXX. This is the number that is listed on my credit report for this dept collector. I do not owe the amount listed below {$120.00} to whom ever this is. This needs to be removed from my account. The amount is not a lot of funds, if it belonged to me. I'm sure I would have paid it but this is not mine and I've never heard of them.
Product: Vehicle loan or lease

On  XX/XX/XXXX , I purchases a   XXXX   XXXX   XXXX   through  XXXX , the lender was Ally Financial.  Within three years, the car began stalling while driving. I complained to the dealer many times and they could not find out what was wrong with the car. I returned the car to the dealer in  XX/XX/XXXX  because it was unsafe. I then purchased another vehicle at a high interest rate due to the return of the   XXXX   XXXX  . The   XXXX   XXXX   was sold and the balance is now on my credit report. Due to the lender's failure to comply with Florida law, they are unable to seek a deficiency against me. They are damaging my credit report, credit score and I am unable to purchase a home. They need to remove the negative report from my credit report because they didn't follow Florida law. I notified them of this issue via certified mail and still have not received a response. Attached is the letter that was sent to them.
Product: Credit reporting or other personal consumer reports

This complaint is to address an unresolved issue regarding a cancelled debt with Synchrony Bank that is being improperly reported on my XXXX credit report despite being lawfully discharged. Form 1099-C was filed with the IRS to report the cancellation of my credit card debt with Synchrony Bank . Per IRS regulations, a Form 1099-C represents a formal discharge of debt. Consequently, this should reflect as a {$0.00} balance across all credit reporting agencies. XXXX has appropriately deleted the account from my credit report, and XXXX updated the account to reflect a {$0.00} balance. However, XXXX continues to report a balance owed, citing that Synchrony Bank has " verified '' the account, despite my multiple requests for verification evidence under the Fair Credit Reporting Act ( FCRA ). To date, XXXX has failed to provide any documentation substantiating the balance. Notably, XXXX has cited fraudulent or incomplete investigations, evidenced by Report Numbers # XXXX, # XXXX, XXXX, and XXXX, claiming the account has been verified without any supporting proof. This conduct is inconsistent with federal law and constitutes willful non-compliance. Synchrony Bank and XXXX failed to conduct reasonable investigations into disputes as required by FCRA. XXXX continues to report inaccurate information, violating its obligation to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). A Form 1099-C signifies a legally discharged debt. Synchrony Bank 's continued verification of the account as unpaid is inconsistent with IRS regulations. Supreme Court XXXX XXXX XXXX. XXXX of XXXX. XXXX XXXX, XXXX XXXX XXXX ( 2007 ) : The Supreme Court has affirmed that willful non-compliance with FCRA constitutes reckless disregard for statutory obligations. Synchrony Bank 's failure to provide documentation and XXXX 's inaccurate reporting represent such violations. A company subject to FCRA does not act in good faith if it acts in reckless disregard of its statutory duty, which constitutes willful violation under the statute. Synchrony Bank 's failure to provide documentation substantiating its verification and XXXX 's continued reporting of inaccurate information demonstrate reckless disregard for their statutory obligations under the FCRA. I respectfully remind all parties involved that the XXXX of the United States of America is the supreme law of the land. This includes adherence to federal statutes, such as the Fair Credit Reporting Act, as well as compliance with binding precedent established by the Supreme Court of the United States, such as XXXX XXXX. XXXX of XXXX. XXXX XXXX, XXXX XXXX XXXX ( 2007 ). Failure to rectify this matter would not only undermine my rights as a consumer but also represent a disregard for the rule of law. I urge immediate action to resolve this dispute in a manner consistent with the principles and laws of our nation.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/year> Balance Owed : {$710.00} Collection
Product: Checking or savings account

On XX/XX/XXXX, a Case Specialist with Wells Fargo Bank 's Enterprise Complaints Management Office responded to two complaints that I filed with the CFPB, alleging violations of Regulation E and identifying Wells Fargo Bank 's failure to protect their banking customers under federal and state consumer law. 

In sum, the bank claims that an investigation was completed on XX/XX/XXXX, however, this is impossible as I spoke on the phone with a Wells Fargo Claims Specialist on XX/XX/XXXX for over 30 minutes. It was during this call, well over 10 business days of my reporting of the unauthorized transactions, that I was asked for the first time some specific questions that pertained to these transactions. 

The bank 's XX/XX/XXXX letter is false and cookie-cutter, and most importantly, utterly fails to address the bank 's violations of Regulation E. 

During my XX/XX/XXXX call with the bank, the Claims Specialist explicitly advised me to file a police report, or to work things out with the merchant directly. This is in DIRECT violation of the most recent FAQ and guidance provided by the CFPB in regards to Regulation XXXX and its application to real life. 

In sum, Wells Fargo deliberately lagged on investigating my claim and waited up until the last day prior to credits requiring to be issed to " deny '' my claim. However, it's undisputable that no such investigation could have truly and fully occurred where I was asked questions about my claim on the last day. 

Importantly, I want to point out that the bank specifically advised me to take action that is not requisite under Reg. E, and goes against wha the CFPB advises these institutions.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally address the failure of [ Company Name ( s ) ] to comply with federal requirements regarding my dispute submitted via the Consumer Financial Protection Bureau ( CFPB ). Specifically, the companies failed to provide a resolution within the 30-day period required by law under the Fair Credit Reporting Act ( FCRA ). Additionally, I have not received the title to my vehicle or the requested 1099-C documentation for the charged-off account in question. 

Disputed Account Details Account Name : XXXX XXXX XXXX  Date Listed : XX/XX/year> Under 15 USC 1681s-2, creditors must ensure accurate and verifiable reporting of information. The reporting of this account with an inaccurate balance is a direct violation of this law, particularly if a 1099-C form was issued. Per XXXX XXXX XXXX XXXX Bank, the issuance of a 1099-C form constitutes an identifiable event of debt cancellation under IRS guidelines XXXX specifically Event Code XXXX, which defines debt discharge due to the creditor ceasing collection activities and canceling the debt. 

My Requests Provide the 1099-C Form : If issued, I request a copy of the form to confirm the identifiable event of debt cancellation.

Verify the Balance : Submit documentation proving the accuracy and collectibility of the reported balance.

Delete the Account : If the debt has been discharged or can not be verified, remove this negative information from my credit report immediately.

Failure to Respond The companies have failed to meet the 30-day investigation period mandated under 15 USC 1681i ( a ) ( 1 ). This failure constitutes non-compliance with federal law. Furthermore, I have not received any communication regarding the resolution of this matter, nor have I received the requested documents or my vehicle title.

Next Steps If these issues are not addressed immediately, I will escalate this matter further by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect written confirmation of the resolution of this matter within 15 days. 

Thank you for your immediate attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus are all reporting different inaccurate information that is hurting my credit report. There are several companies that are reporting a profit and loss write off but still reporting a balance. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX The XXXX XXXX and XXXX XXXX. 
On all the accounts listed there are several things inaccurate : Last activity date, Charged off with a balance and the payment history is wrong showing I have a new charge off versus the correct date he accounts were charged off.
Product: Checking or savings account

I opened Citibank checking and savings accounts on XXXX XXXX, 2022. I had issues with my debit card being declined, even though funds were available. I called twice about that. Then it worked again. 

On XXXX XXXX, 2022, I deposited my paycheck via the mobile app. Later on that day, I couldn't access my accounts. They weren't even showing up in the app or on the website. I called and customer service ( which was outsourced overseas ) and after several transfers and holds, was told that the check I tried to deposit was flagged for fraud, and that it would take a week to process. Checks don't take that long to go through anymore. I explained it was from my employer and it's my paycheck. I asked to speak to a supervisor and was told none were available and I would get a call back in XXXX days. 

On XXXX XXXX, 2022, I called Citibank 3 times. I had bills about to go through and I needed my accounts unfrozen. No one could help me - I was told again that a supervisor was not available. I was able to deposit my check into my other bank, with no problems. So I asked Citibank to stop processing the check, and they said only my employer can do that. My office XXXX said otherwise. I just want my accounts restored so I can move my money out of this bank. I am also looking into pursuing legal action.
Product: Credit reporting or other personal consumer reports

I would like the inquiry CAP ONE NA XXXX, XXXX XXXX XXXX XXXX removed as it is hindering me from building my credit the way I intended. I did not authorize it.
Product: Vehicle loan or lease

in XXXX of XXXX  i made a lease payment to infiniti financial services which was returned unpaid as i used the wrong stored account. infiniti decided to block me from the web portal leaving me unable to look at my account. they also decided to put me on paperless billing without my consent leaving me with no account information what so ever. after calling infiniti i was told i had to make my payments threw customer service but i could still use my checking account which makes little sense if the reason im blocked from the portal was due to a returned payment via checking account. i quickly learned i would now pay XXXX for every payment i make as there is a few for paying threw customer service this fee is not waved if you are blocked from there portal. i call infiniti on XXXX XXXX XXXX   as i get a notice of a 30 day past due from XXXX XXXX from infiniti financial services i aske why i was not mailed as billing statement or even a email my account is late the agent is only concerned with me making my payment which i go ahead and do after which i start to ask questions on how im suppose to be able to look at my account and know due dates and payoff info or anything. she says i should be keeping up with my due dates and they have called me everyday for two weeks which i argue against as i had no calls from infiniti in my call logs so she says it could show as spam and i should have answered the spam calls so i tell her i dont answer spam calls as its spam and they should come up as infiniti financial services not spam this could have avoided me paying late and resolved this issue without me filing a complaint. the bottom line blocking me from the portal and not sending me statements has left me blind to my account activity and should be illegal this policy should be changed. see attachment for vehicle vin #
Product: Credit reporting or other personal consumer reports

I have contacted this company in 3 occasions this year with the most recent XXXX XXXX2024 via usps. I sent in notarized documents letting this company know that my name is XXXX XXXX. This company purposely put my twin sisters name reporting to all credit bureaus. I sent my license in and notarized documents to prove my last name isnt XXXX. Yet this company from what I perceive insists on reporting inaccuracies.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I saw some hard inquiries that did not have permissible purpose. I also attached evidence XXXX XXXX  XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691b XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1691b
Product: Checking or savings account

my bank account was debited without my authorization on the XX/XX/XXXX for the purchase of a subscription to an XXXX XXXX  site. This purchase was made by a XXXX year old boy whom had gotten my card information. When I discovered the transactions I immediately went to my bank account on line and froze my account which should have locked my account disabling any transactions. This was the XX/XX/XXXX. I then tried to contact my bank and contest these unauthorized charges and reporting the company responsible. Well, I guess because of this pandemic we are having, I was not able to speak to anyone but I thought I was safe because I had frozen my account. On the XX/XX/XXXX the monies were still on hold status and normally they stay on hold status for 10 days. On the XX/XX/XXXX we went to the store and my card was declined so I got back on my banking account and the three debits to my account had all been paid, that is in a matter of two days which is sooner than normal and I had my account frozen. I am a XXXX year old man who lives on a fixed income and I am pretty much ignorant when it comes to technology, let me just say if this technology is costing us our humanity, is it really worth it?
Product: Credit card or prepaid card

My husband and I took out a home equity line of credit and the bank forgot to disclose they would pay off the balance on the account as well as close the credit card accounts. We signed the documents with the bank and closed but when I called Capital One to explain there was an error in closing the account and that I would like to reopen the account the denied being able to re-open. This happened with another credit card of mine and they were immediately able to rectify the situation. I called several times and placed several tickets, speaking to a supervisor but they stated they could not re-open the account even with my authorization confirming I did not want the account to be closed. The bank we closed with will not send a letter to Capital one because they forgot to disclose and was on fine print in the paperwork.