23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes regarding this loan for {$12000.00}. They havent taken any action deleting this account when it doesnt exist with the other 2 bureaus. It is harming me for obtaining credit, I have never lived in XXXX so where is the information coming from? Who was on this joint account? This information is violating the fcra. They sent me a letter stating they are not going to reinvestigate this account. they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 
If they had investigated properly, rather than use the e-Oscar system, they would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though their company claims to have verified this.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX  XXXX Bankruptcy - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CO XXXX XX/XX/XXXX
Product: Checking or savings account

I am trying to use the Earnin app and XXXX is not letting me link my card.
Product: Student loan

Complaint is against the company that handles the XXXX discharge for federal student loans. XXXX XXXX XXXX, As of XX/XX/XXXX, those of us who are XXXX and receive XXXX XXXX XXXX and are reviewed every 3+ years were suppose to be able to apply for XXXX discharge. Note this is a change from the original rules which stated that you have to listed as having a review every 5-7 years. 

However, the website for the applications for XXXX discharge hasn't updated the online process. Their website was updated to say 3 years. HOWEVER, as soon as you start trying to submit online the second questions is " Does your XXXX notice of award state that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent XXXX XXXX determination? '' Also, their downloadable application also requires you to check a box that states 5-7 years between reviews, which is not in accordance with the new federal rules of XXXX  years. 

It doesn't let you proceed with a social security discharge if you answer no. This leaves those who are reviewed every XXXX years unable to apply for discharge, even though the rules allow us to as of XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute for Equifax on XXXX on XX/XX/XXXX regarding inaccurate and missing information on my credit account. On XX/XX/XXXX Equifax came back and stated that the prior paying history was updated and basically everything else was " verified as accurate. '' I PROVIDED EQUIFAX A PRIOR CREDIT FILE FROM XX/XX/XXXX WHICH INDICATED THE BALANCE HISTORY AND PAYMENT HISTORY THAT WAS MISSING AND NEEDED TO BE ADDED BACK INTO THE FILE IF EQUIFAX WAS NOT GOING TO DELETE. A REPELICA!!! AND EQUIFAX STILL DID NOT COMPLY WITH THE FCRA GUIDELINES!!! 

I THEN ASKED FOR ALL DOCUMENTS THAT WHERE USED IN THIS REINVESTIGATION WHICH BY STATUE EQUIFAX ONLY HAS 15 DAYS TO SENT THIS OUT. I HAVE NEVER RECEIVED INFORMATION REGARDING THIS REINVESTIGATION.

IT IS CLEAR THAT THERE WAS NO REINVESTIGATION XXXX XXXX.EQUIFAX REPORTED WHAT THE CREDIT AGENCY VERBALLY COMMUNICATED TO THEM. NO DOCUMENTS, NO COLLABERATION, NO PROCEDURES SET IN PLACE TO PREVENT THE CREDIT AGENCY FROM REPORTING INCORRECT INFORMATION. IT IS LOGIALLY INCONSISTANT TO NOT REALIZE THIS CREDIT FILE WAS MISSING OVER 90 % OF ITS INFORMATION, THIS WAS DUE TO THE FRADULAENT XXXX ACCOUNT XXXX 

DUE TO EQUIFAXS WILLFUL NONCOMPLIANCE WITH GUIDELINES I, THE CONSUMER HAVE TO WAIT EVEN LONGER AND HOPE EQUIFAX WILL FOLLOW PROCEDURE AS THEY SHOULD SO I CAN START TO FINANCIALLY REPAIR MY LIFE BACK. THIS CAUSED HARM TO THE CONSUMER, ME!!! 

THIS CLEARLY ESTABLISHES THAT EQUIFAX DOES NOT HAVE KNOWLEDGEABLE AND A WELL TRAINED STAFF AS REQUIRED BY 1022 ( m ). FEDERAL VIOLATION!!!
Product: Credit card

Refer to the attached documents. I want the bureau to initiate an investigation into these accounts that I am never late for, but they are inaccurately reporting me as late.
Product: Credit reporting or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over XXXX days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my report and none of them are mine. I was already a victim of identity theft, froze my report, or so I thought but my report was never frozen/locked. I believe this is identy theft again due to the negligent practices of the current reporting agency
Product: Checking or savings account

On the XX/XX/2018, I was unable to access funds in my account using my debit card at a car dealership, despite adequate funds being available in my account. The amount was {$12000.00}. 

Despite contacting the bank via telephone and spending over an hour on the phone with them ( being passed from department to department ), the bank refused to authorise my payment. After many different attempts at rectifying the issue by several different departments, the bank finally told me that a {$5000.00} daily transaction limit ( that I had previously neither agreed upon or knew about ), could not be waived even with my authorisation. The call centre also gave poor instruction to the dealership on how to authorise the transaction as debit, which led to a {$3000.00} transaction going through as credit ( giving the dealership a financial penalty which luckily they accepted on my behalf ). The bank then tried to force me to do a wire transfer, and didn't tell me there would be a charge until I was just about to authorise the transaction. Luckily I did not complete the transaction. 

I was forced to leave the dealership and complete a 2 hour round trip to retrieve a check book from home. 

The bank is HSBC US, though all of the departments I spoke to on the phone were overseas call centres.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX I was enrolled in the XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX and attended for about a month then our program was shut down due to COVID. 
Unfortunately, we ( all of the students ) couldnt continue our schooling as the pandemic continued to cause delays in us returning to the classroom. 
To my surprise I received a bill for $ XXXX stating I owed this money for the program I wasnt ever able to complete, due to the pandemic. 
Then, I received a credit bureau alert stating that my credit scores had dropped by XXXX points because a collection agency by the name of XXXX XXXX added a new collection for $ XXXX to my credit report. When I researched this further, I realized it was for a debt that was in no way owed by me to XXXX XXXX. 
I contacted XXXX XXXX at XXXX XXXX XXXX XXXX back in XX/XX/XXXX XXXX requesting assistance to get this resolved however I never heard back from any. I am asking that the CFPB please step in and help me as I dont owe this debt as I wasnt ever able to attend the classes I had signed up for.
Product: Credit reporting

In XXXX 2016 all my inquiries was removed from my credit report when I reviewed my report today the have reappeared. I was never giving proper documentation that they was reinsert.
Product: Debt collection

Company provided documentation but is not my signature. Company acknowledged thats not my signature. Company still is reporting to credit bureaus with fraudulent information thats not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX The company above along with Experian, XXXX, & XXXX has not validated this debt, Experian has not provided methods of validation and the debt collection has not provided original contract with XXXX XXXX with my wet signature. 


I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debt. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency myself, XXXX XXXX and they have failed to verify that this is indeed my debt. 
I was given no evidence of my obligation to pay this debt to this collection agency.. 
The Fair Credit Reporting act requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 
In the event that you can not verify the item pursuant to FCRA, and you continue to report it on my credit, I will find it necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims court in my area. 

I look forward to a swift and amicable resolution to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sent {$60.00} via PayPal to secure a space in a craft show. Later I found out that it was a scam ; the show does not exist. PayPal says they can do nothing because I authorized the withdrawal. The person I sent the money to, XXXX XXXX, XXXX, misrepresented herself with a fake XXXX account, and advertised her fake event in an online crafters forum. I have contacted her, and she said shed refund the money, but she has not. Can anything be done?
Product: Checking or savings account

Constantly getting over draft fees with money available but showing pending for days
Product: Checking or savings account

I was double charged for XXXX prime membership each month for the last two years XXXX and XXXX. I reached out to XXXX and they only credited one month back to me and told me to reach out to my bank ( Bank of America ) to get the other charges credited back. I just got a letter in the mail today from Bank of America saying they denied the claims after I provided proof for each month I got charged.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

I see numerous fraudulent inquiries in my report. Please remove them as soon as possible. I have the right to have an accurate reporting. 

XXXX XXXX  inquiry date XX/XX/XXXX XXXX inquiry XXXX XX/XX/XXXX XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hey hope all is well, I have recently looked at my credit report and see some unauthorized accounts and inquiries. I have beyond reasonable doubt to believe that these credit agencies have violated my consumer rights with the furnishing of this erroneous information. 

Also on my prior dispute I uploaded the wrong birth certificate and social security card for verification. That information belonged to my son as we have the exact same name, I didn't notice it until I received correspondence about confirming my identity So I've uploaded the correct information. 

In accordance with the Fair Credit Reporting Act the reporting of XXXX Account XXXX  XXXX # XXXX, and XXXX XXXX # XXXX has violated my rights. 

Also Inquiries on XXXX ( XXXX XXXX XXXX ) ( XXXX XXXX  XX/XX/2023 ) 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

FCRA SECTION 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

As I did not authorize these hard inquiries, I request their removal from my report per 15 USC 16c-2, as theyre lowering my credit score.
Product: Checking or savings account

XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$100.00} - {$230.00} XXXX XXXX XXXX - {$4.00} - {$130.00} XXXX XXXX XXXX FI XXXX - {$2.00} - {$120.00} XXXX XXXX XXXX FI XXXX - {$7.00} - {$120.00} XXXX XXXX {$4.00} - {$110.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$120.00} CHICK-FIL-A # XXXX XXXX - {$10.00} - {$85.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$74.00} XXXX XXXX XXXX XXXX {$35.00} - {$38.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$3.00} XX/XX/2021 PAID OVERDRAFT ITEM FEE - {$36.00} - {$3.00} XXXX XXXX XXXX XXXX {$110.00} {$32.00} The feature is supposed to allow you to keep track of every transaction that you spend so that you don't go into overdraft but 2 or 3 days my account will go into the negative even if I see it's not in the negative 2 or 3 days before. I've heard other customers have complained about this very same issue and it's misleading. If it's an issue for your customers why not change the app? Instead REGIONS BANK changed it reversal of overdraft fees policy at the beginning of this year according to the representative I spoke with on XX/XX/2021. I, as a banker wasn't made aware of these policy changes ... unless I missed the correspondence in the mail. The policy changed but not the app ... .that 's questionable??
Product: Credit reporting or other personal consumer reports

This account was charged off on Experian on XX/XX/XXXX, in XX/XX/XXXX it shows 150 days late and it shows 150 late againt in XX/XX/XXXX then in XX/XX/XXXX it shows 60 days late and a Charge off status. on XXXX it shows 120 days last in XXXX XXXX  120 days late XXXX XXXX, 120 days late XX/XX/XXXX and then 60 dats late in XX/XX/XXXX, from XX/XX/XXXX XXXX XX/XX/XXXX it reporting Charged off every month as updates.on XXXX it is reporting 120 days late in XXXX XXXX, 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX and 60 days late in XXXX XXXX.On experian it is showing 6 Potentially Negative Months, On XXXX it is reporting 20 Potentially Negative months with a status update of XX/XX/XXXX and atleast 120 days or more than four payments past due as the status, on XXXX it is reporting 7 Late payments and a balance up date XX/XX/XXXX and is 120 days past due.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX  -Account Number XXXX Enclosed is a copy of my most recent credit report
Product: Student loan

XXXX purchased my loans from sallie Mae. Now at least 1 to 2 years later we receive a call to start paying on some that they do n't even own any longer. From what I 've read regarding sallie Mae, sadly I think my son and I are in for a misery.
Product: Debt collection

Every Monday precisely at XXXX EDT Fair Collection and Outsourcing call me every week. I have sent a letter to them to only contact me via USPS and to validate the debt. Fair Collection Outsourcing has failed to send me a letter via USPS, but instead they have called me during work hours on my mobile phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I applied for an extension of credit with HOMEOWNERS FINANCIAL and a few days later I received an adverse action letter stating that I was denied. I called the company on today of XX/XX/2022 asking what laws and procedures were used to come to this determination and I was told they had a the right to deny me of my credit and that it is company policy. 

I want to be provided with the exact subsections that was used so I can study this for myself. I am requesting to be provided what laws I have to abide by the credit score and that this private transaction needs to be reported. 

The account is negatively affecting my credit score on my XXXX account The CFPB states that credit reporting is optional. 

Company procedures do not supersede federal law and this is a direct violation of my rights as a consumer. 15 USC 1602F states that credit is my right and I can not be denied a right. 15USC 1602P makes it clear that you used my credit card without authority and I received no benefit. This is clearly discrimination as usc 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against. I am holding you all liable now as you are acting as an authorized representative. I am willing to terminate further actions if your company does the right thing and reverse this decision. Thank you.
Product: Debt collection

I have received 25 telephone calls from this number in the last week alone. This does not even include the text messages Ive received from a different number from the same company. The debt they are attempting to collect was transferred to this company without my consent or knowledge prior to it occurring. I was paying the debt on schedule, transferring it made it so I could not manage this payment of this debt.
Product: Credit card

Someone fraudulently applied for credit cards with Wells Fargo XXXX and XXXX XXXX with my personal information and work address without my knowledge. Thankfully the applications were denied, and the merchants did report the accounts and fraudulent.
Product: Debt collection

Thursday XX/XX/XXXX, I tried to make a debit purchase and was declined, I then tried to get money from ATM my balance was XXXX in my checking and saving. My husband reach out to Chase bank ( who we bank with ) was told that that both account were on freeze due to a ( court order ) judgment which I never received and Chase also provided a phone number XXXX. I called this number which is XXXX & XXXX XXXX  XXXX  the operator connected me with a collection rep she proceeded by verifying who I was and stated they were trying to collect a chase credit card debt from back in XXXX. 
for the amount of {$5800.00}. Again I never received any notice via phone call or mail of anything. I'm not disputing that I once held a chase credit card and I also know that the balance I owe was not {$5800.00} my credit limit on only $ XXXX.and if my memory serves me well what I owe was {$200.00} and due to falling on hard times I could not pay the {$200.00} owe to them. Right now I'm at a lost, I don't know which court granted the judgment against me in order to try vacate this judgment and have this freeze removed. Is this legal for 3rd party collection to freeze your account for debt over 10years .I also pulled my credit report with XXXX to see if I had any collections against me and I have nothing that is pending on me.
Product: Credit reporting

To Whom It May Concern : On XXXX XXXX, 2016 I made reports of identity theft/fraud to multiple organizations including the FBI, FTC, CFPB, XXXX and Experian. My reason for this action was an assumption of theft during a credit report check. As I now know part of the authentication process prior to the credit report is the series of questions regarding dates of opened auto loans, home mortgages, bank cards and such. The manner the questions were phrased implied in my opinion that I was suppose to know valid information about an active account involving my identity which prompted me to abruptly cease my credit report and contact authorities reporting my findings. After consulting a legal aide from the Federal Trade Commission website a consultant informed me that the questionnaire was common procedure and many misinterpret this process similar to my situation. I used the service XXXX XXXX to then do a credit check and was pleased to find that the only involvements with my identity were legitimate ones. Unfortunately I reported and assumed fraud had took placed and would like to inform my findings and help with the procedure of undoing anything I may have caused from my over reaction. I appreciate the time and prompt reaction. Please accept my apologies for any inconvenience and thanks for your help and understanding. 
Sincerely, XXXX XXXX XXXX