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

I am writing to file a formal complaint against XXXX, Equifax, and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) from XXXX to XXXX. These violations have significantly affected my credit standing and financial opportunities. I allege the following violations of the FCRA : 1. Failure to ensure accuracy of information ( Section 607 ( b ), 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies have failed to follow reasonable procedures to assure maximum possible accuracy of the information in my credit reports, particularly regarding late payments, delinquencies, hard inquiries, collections, and debt balances. 
2. Failure to conduct reasonable investigations of disputes ( Section 611 ( a ), 15 U.S.C. 1681i ( a ) ) : When I have disputed inaccurate information, the agencies have not conducted proper investigations or corrected errors within the required 30-day timeframe. 
3. Reporting of outdated negative information ( Section 605 ( a ), 15 U.S.C. 1681c ( a ) ) : The agencies have continued to report negative information beyond the 7-year limit specified by the FCRA, particularly about late payments, delinquencies, and collection accounts. 
4. Failure to provide required notifications ( Section 611 ( a ) ( 6 ), 15 U.S.C. 1681i ( a ) ( 6 ) ) : I have not received proper notifications of the results of investigations or information about my right to add a statement to my file. 
Specific issues in my credit reports include a ) Late Payments and Delinquencies : Inaccurate reporting of late payments on accounts that were paid on time. 
Delinquencies that should have been removed after 7 years are still present. 
Inconsistent reporting of late payment severity across the three bureaus. 
b ) Hard Inquiries : Unauthorized hard inquiries appearing on my credit reports. 
Hard inquiries remaining on my reports beyond the 2-year limit. 
c ) Collections : Collection accounts that do not belong to me. 
Paid collection accounts are still reported as unpaid. 
Collection accounts older than 7 years from the original delinquency date still appear on my reports. 
d ) Debt Balances : Inconsistent reporting of debt balances across the three credit bureaus. 
Inaccurate debt balances that do not reflect my actual account statuses. 
e ) Reporting Discrepancies : Significant discrepancies in information reported to each bureau, leading to unfair variations in my credit scores. 
These inaccuracies and violations have resulted in an overwhelming negative impact, such as loan denials, higher interest rates, difficulty obtaining housing or employment ] .I request that the CFPB investigate these matters and require XXXX, Equifax , and XXXX
Product: Credit reporting or other personal consumer reports

I am lodging this complaint against the credit bureaus due to their continuous failure to address my dispute letters regarding inaccuracies in my credit report. Even after several attempts to resolve the matter through the correct channels, the credit bureaus have not fulfilled their obligation to acknowledge or investigate my disputes as mandated by the Fair Credit Reporting Act ( FCRA ).

Despite these numerous submissions, the credit bureaus have not responded, confirmed an investigation, or corrected the disputed information. This non-response is a clear breach of the FCRA, which requires credit bureaus to investigate disputes and reply within 30 days. 

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

To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the you used to allegedly verify this item was invalid. 

Item in question : Chapter XXXX bankruptcy Case XXXX I have previously sent you notice that your process was not valid due to me going directly to the company and them not being able to verify the item. You replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I am filing a formal complaint with CFPB against you and your company since this bankruptcy has not been deleted from my credit report IMMEDIATELY! 

Additionally, XXXX has publish documentation on their website confirming that they indeed provide your company, Equifax, with bankruptcy case information and you use them to verify information regarding bankruptcy cases. XXXX XXXX has not been able to verify the accuracy of the bankruptcy and has removed the item from my file. 

Finally, the U.S. Bankruptcy court does not verify or furnish data to credit bureaus. You have been reporting inaccurate and unverified information within my credit file several years and after multiple disputes allegedly verifying inaccurate information as accurate.
Product: Bank account or service

My accounts both bank and credit card have been closed by Chase without giving any reason. This has happened to my daughter as well. Most recently I was approved for a credit card and within 10 days the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

PHH sent sent occupancy letter with no return postage paid. They're asking for this information. They should provide that I don't buy stamps so I emailed that document they claim. They never got it so then they sent out an inspector several times and have charged me. XXXX XXXX XXXX dollars total added to my loan. They never called to make an appointment to make sure I was home. How crazy is that period I've lived in my home since XXXX of XXXX and refinanced in XXXX. I've communicated with them. I've written to the CEO and they keep sending me the same document showing that when they were out to inspect the home. Well, how can you inspect it? When I'm not home you can't go inside. It's just pictures of them knocking on my front door. And pictures of my house in the street in the address.Pretty stupid if you ask me. They are harassing me and I'm XXXX XXXX XXXX. And this is considered elder abuse, which is a serious crime in any state in especially in califoryeah. Today I am writing another letter to the CEO. And this time spending money that I don't have, since I live on {$1600.00} a month. And I'm going to mail it certified. Hoping that it will put a fire under his behind. I can't afford to go to an attorney but I XXXX have to. I know all about reverse mortgages.Because after XXXX when I lost my job like many others I got my real estate license so I could sell reverse mortgages so I know all about them and the importance of the occupants a letter.I 've told them time and time again if you want this information.Then buy law in California.You must provide a postage paid envelope and they don't. Hope you can help many prayers to you and your family and stay safe and healthy.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experian '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 Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These accounts below are the accounts I disputed against : 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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment to settle this account on XX/XX/2022 and its still reporting and I have disputed with Citibank to tell them I had already paid and settled this account and its still reporting the same
Product: Bank account or service

I was charged XXXX overdraft fees in the amount of {$70.00} on XXXX/XXXX/17 for XXXX charges which I had enough funds in the account to cover those charges. When I called today to get credit, the Supervisor said no..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to obtain my first home and my mortgage lender, XXXX XXXX XXXX from XXXX XXXX Bank tried to pull my report on XX/XX/21 and could not obtain it. The message from Equifax stated the following : Information from your inquiry has been identified as potentially fraudulent or misused. Therefore the credit report is not available for delivery. 

Inquiry information identified as fraudulent by consumer-report not available. I never called and reported any inquiry information was fraudulent to Equifax. I have written these people with letters, I have called and spoken with represenatives and they have lied to me and informed that the infomation would be removed. Then when my lender went to pull my credit again, the same thing was still on my credit report. This information is false. I don't appreciate this erronous information being put on my credit without even notifying me of this action. 
The action I would like for you to take is to have them remove this information off my credit report immediately and to not place anything on my report like that again without notifying me in advance.
Product: Credit reporting or other personal consumer reports

Do not recognize these credit inquiries. I've ask for them to be removed by Experian and did not get any help. I am also providing a copy of a Identity report attached to this complaint. I am requesting that the Inquiries be removed because inaccuracies and not mine.
Product: Credit card or prepaid card

My American Express XXXX XXXX XXXX was cancelled today, XX/XX/2022 by American Express. I pay my card on time and in full each month. My credit score is above XXXX. American Express justifies the closure based on disputes I had with a merchant ( XXXX ). Those disputes ended in my favor. American Express charged me {$450.00} for 12 months of service ( aka annual fee ) on XX/XX/2022. They have not fulfilled their 12 months of service by cancelling this card, however they refuse to refund the annual fee. I have called American Express and tried to resolve this, and was transferred over seven times. Again, they have not refunded the fee. In compliance with State Law, I am requesting that the {$450.00} annual fee be refunded for services not rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report ... XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX   XXXX  XXXX, UNKNOWN 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 or other personal consumer reports

The issue is that when Im trying to login to my online transunion account, it never allows me to review my credit report online nor dispute it. Its very unfair to me that Im not allowed to do so and I feel that I am being discriminated against. I do not want my report mailed to me. I want to be able to review my report online and dispute online as well because its cheaper for me and due to my age and XXXX it will be more efficient. This is a violation of my rights. I feel like Transunion is purposely trying to hinder consumers from getting their transunion credit reports online. I have been fighting this issue for almost a year now. And I have called them several times. It allows me to login after the code is sent to my email but then it stops after that. 
I have attached my Drivers License and SSN card for identity verification so there should be no issues at all.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am personally handling this complaint and there are no third parties involved. Enclosed are letters that explain the inaccuracies reported on my credit report. The information from XXXX, Experian, and XXXX is incorrect, inconsistent, and outdated.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

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 ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXX XXXX  XXXX Balance : XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Citibank closed my account and is saying they will mail out a check after 60 days. They did not provide a reason for this closure. My account was flagged for an account take over because I didnt pass the voice verification while adding my card to my apple wallet, and I went to the branch. Apparently this caused a review on my account and I received a call back saying it was terminated and they couldnt give me a reason why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and there are several items, that aren't correct. I have a inquiry from Chase Bank, datedXX/XX/XXXX This is not my inquiry, I did not apply for any account with Chase, nor did I authorize them to pull, my credit.

XXXX XXXX XXXX, has a 30 day late payment, showing on my credit file, for XX/XX/XXXX. I set up a automatic payment draft, but I was doing some other credit payments, over the phone and I decided to call XXXX XXXX XXXX  on my XXXX payment and I submitted a phone payment. I realized that I still had a auto draft payment, coming out of my account and this would cause a issue, with some addition payments, that were due, later in the month. So I called XXXX XXXX XXXX  two days later and cancel the auto payment, for the second payment, and the customer service rep. Assured me the payment was canceled and would not be processed. I am not sure if their computer system or the rep did the cancellation. But, both the payment, I made, over the phone and the auto payment, was cancelled, in error and XXXX   placed a 30 day late on my credit file. I have spoken with them, several times and they show, both payments being made, in their system. But, refuse to remove the 30 day late, because I authorized, the cancellation of one payment and they cancelled both payments, on their end of the transaction.

XXXX issued by XXXX XXXX. I have a XXXX balance and haven't used the card in sometime.My last payment, showing on the credit file isXX/XX/XXXX ( this XXXX out the account, as there wasn't any other charges, made to the account ) .I made the payment, on the XX/XX/XXXX. But, my credit report shows a late payment for the month ofXX/XX/XXXX? If I made the last payment onXX/XX/XXXXand it XXXX out the balance. How can I be late on the payment, for the month ofXX/XX/XXXX. This is a error and I would like it removed off of my credit file.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Citi Bank, N.A. ( CBNA ) for violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b by improperly reporting a hard inquiry on my XXXX consumer credit report without permissible purpose. 

Details of the Complaint : The unauthorized hard inquiry was made on XX/XX/year> and is listed as CBNA on my XXXX credit report. 
I applied for a Citi Bank credit card, but my application was denied. 
I do not have an open account with Citi Bank and never provided written instructions authorizing them to continue reporting this inquiry. 
Under the FCRA ( 15 U.S.C. 1681b ( a ) ), a company must have a permissible purpose to access and report consumer credit information. Since I was denied and provided no written consent, Citi Bank has no legal basis to continue reporting this inquiry.

Steps I Have Taken : Sent a dispute letter to Citi Bank requesting immediate removal of the unauthorized inquiry and statutory damages of {$1000.00} for the violation. 
Citi Bank has failed to resolve this issue.
Product: Credit card or prepaid card

I have asked Synchrony Bank for your JCPENNEY to stop sending emails to my email address of XXXX for over a year and they refuse to stop sending this to me. This account belongs to someone that does not live in my home and I have no idea how they got my email address. This is an invasion of my privacy and her privacy as well. I know this lady from my son dating her daughter and she has no idea how to use a computer let alone my email address. I have sent them emails numerous times and I called them last month and got into an argument with them about my email address and her personal information being sent to me. I am tired of this happening and I wish they would stop it. If they don't stop I will seek legal action against them for the invasion of my privacy as well as hers. This person does not even live in the same house as me and they just need to do something now and not later. If you need a copy of the email I am receiving from them I will gladly attach one for you as I have quite a few of them saved in my legal folder on my computer and I believe I have a copy of the letter I have sent to them as well. Please get them to stop sending this to me and send it to the right person. 

Thank you, XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX Comenity website is suffering an outage. I have been trying to make a payment these past couple of days, but the website is not letting anyone login. I called customer service several times, and was directed to call back at a later time. Their automated message states the online payment center is available to be used, but its not. Their solution from the automated customer service states to use the easy pay option, but I need my account number. I dont have statements because I chose online statements, that I cant access due to the outage. all the stores located in my state are closed. I am unable to make an in person payment because there isnt a store. Unable to pay online due to their outage. Unable to pay on the phone, because its all automated and no representatives. Now Im going to encounter a late fee for their problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.71XXXX. I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 

I have recently gotten into looking at my credit report for the first time in my life, over the last 6 months. Ive been in and out of the United States 3 times of the last 4 years, due to my deployments. I have recognized many fraudulent items opened in my name. The only XXXX XXXX account I had was my Auto Loan with them. 

The XXXX XXXX XXXX XXXX account ending in XXXX was opened by someone other than me. 

Additionally it has been a charge off, but Transunion has recently reported it as opened. It can not be a charge off and open account.
Product: Student loan

This Parent Plus Loan originated with XXXX XXXX in 2007 for $ XXXX. To date, this loan has been transferred to several service providers, that added their fees onto the balance of the loan. These providers were put out of business due to improper practice. I had to get legal assistance on one company who called my HRO Office. When i could not afford the payments any longer, i was forced into forbearance with no explanation of consequences. Companies did not work with me on affordable payments. A $ XXXX loan is now well over $ XXXX. I also applied for PSLF Forgiveness program. Still have not heard from XXXX. I can not reach company on phone for several hours and getting disconnected in between. This has caused undue stress with medical issues. Would appreciate assistance in this issue. Respectfully.