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

I am following up on my previous complaint from XX/XX/XXXX. Under FCRA Section 605B, Credit Reporting Agencies are mandated to remove any items listed in an identity theft report, referenced by number XXXX. Attached you will find the necessary documents to aid in removing the erroneous personal information and unauthorized inquiries that have appeared on my report. The items opened without my consent are as follows : EXPERIAN : 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 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 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 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 XXXXXX/XX/XXXX. As stipulated by FCRA Section 605B ( a ), Credit Reporting Agencies must remove any consumer file items identified as resulting from identity theft within four business days of receipt.
Product: Mortgage

I re-financed my home in XX/XX/XXXX, and the loan has apparently been sold or transferred at least twice since. In XX/XX/XXXX, I prepaid my property taxes due in XX/XX/XXXX for federal income tax purposes. Based on instructions received from the broker who arranged the refinance and representatives of the first company that issued the refinance loan, I did not make escrow payments with the mortgage payment for 3 months. The amount of the property taxes was {$2500.00}. The monthly escrow payment is {$470.00}, indicating that a total of {$1400.00} for the 3 month period and, as a result, the escrow still has a surplus. 
I have been receiving past due notices and phone calls regarding this amount. I called the company to resolve the issue in XX/XX/XXXX. The customer service representative was unable to assist me and I asked to speak to a supervisor. The supervisor indicated that an analysis of the escrow account would be done and they would get back to me within 2 to 3 weeks but that has not been the case. I did, however, continue to receive past due notices and phone calls. I called again in XX/XX/XXXX andf was again told an analysis would be done but that has not been the case. The phone calls and past due notices continue. 
I called the company today and, when the customer service representative was unable to help me, I asked to speak to a manager or supervisor. I was put on hold for over 15 minutes before I hung up. 
I am concerned that this will adversely affect my credit despite the fact that I am up to date on my mortgage and have a surplus in my escrow asccount.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The XXXX XXXX Experian credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the following ng account : XXXX XXXX XXXX XXXX XXXXXXXX Balance {$5300.00}.
Product: Debt collection

One of the employees from debt collection company has contacted me four-time from his personal cell phone to make a payment the first two times i have asked for him not to contact me from his cell phone. He lied and told me it was his company landline I called it back and receive a cell phone voicemail. also looked the number up in the white pages.
Product: Credit card or prepaid card

I have a credit card with Discover Financial, I XXXX of 2022, I called into to Discover, spoke with one of their Account Representatives to make a payment on my Discover Credit Card. The person processed my payment using my standard payment method to make a {$5.00} payment, and they would applied a credit that I had on my account, {$13.00} to make an {$18.00} payment and payoff the outstanding {$18.00} balance on the account. I was told by the AC that the payment was made and the balance was now {$0.00}. 

In XXXX I received a notice from XXXX Credit Reporting Services that my Discover Card payment was over 30-day 's past due and as a result my credit score was reduced from XXXX to XXXX. I immediately called Discover to report the error. I spoke with another Account rep who told me that they made an error and that the payment, the credit portion of {$13.00} was never processed and so they reported the account as over 30-day 's past due. I explained that the error was on them and the account should have never been reported as 30-day 's past due. I told them that they needed to contact all three National Credit Reporting Agencies, XXXX, XXXX and XXXX to correct the error. They told me there was nothing they could do. I also told them that I was in the process of refinancing my home and that the error would cause me to lose the low interest rate that I had been approved for and result in me having to pay thousands more in interest cost. They told me there was nothing they could do. 

I then contacted the Corporate office for Discover. I spoke with an gentleman named XXXX. I explained the situation and the damage their miss reporting had caused me. XXXX agreed to look into the situation, and told me that yes, they had miss reported the payment history. He told me that they would investigate my complaint further and respond with their findings. A month or so later I received a letter from XXXX, The Executive Office of Consumer Advocacy saying that their investigation was complete and that they reported the account in error. It also said that the would send the updated correct payment history to the Three National reporting Agencies. I then explained to his that as a result of their error resulting in a significant drop in my Credit Score that I lost the low interest rate that I was being considered for and had to cancel my application. Interest rates shot up and I lost the opportunity to refinance at a low interest rate costing me thousands in additional interest cost. 

I'm seeking monetary dames from Discover resulting for this error. They took a very cavalier attitude relative to correcting this error. Over a month went by before they made any effort to correct the error even though I told them what was at stake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX/XXXX  XXXX XXXX Date Opened>>>> XX/XX/2017
Product: Prepaid card

This is my second complaint against this company as they opened and issued a second account and XXXX XXXX card in my name. The first complaint is still " XXXX '' with Reference # XXXX. 

This complaint is in addition to the previous referenced compliant and has the following details : On XX/XX/XXXX we received a letter in the mail from Netspend, that included a XXXX prepaid card issued by XXXX, XXXXXXXX XXXX The letter included my name, an account and routing number. I never applied for an account with this company, never requested information from this company and never have heard of this company. I tried multiple times to contact the company via phone and chat of which each time entered the account # it the voice respond system says it does not recognize. When trying to pursue a fraud department, it was not an option. There is no phone number on the letter or the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted on my credit report immediately, I will be forced to contact a consumer rights Law Attorney and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies ( XXXX, XXXX, Transunion ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXXXXXX  To : Experian Dispute Resolution XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Late Payments Reporting on XXXX XXXX Account, Cease and Desist Request, & Complaint Filed with CFPB Dear Experian Dispute Resolution Team, Account Information : Creditor : XXXX  XXXX XXXX 
Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Balance : Paid Off Status : Paid, Closed Reported Late Payments : XX/XX/XXXXXXXX  ( 30 days ), XX/XX/XXXXXXXX  ( 30 days ) I am writing to formally dispute the inaccurate reporting of two late payments on my XXXX XXXX account, as reflected in my Experian credit report. These late payments are erroneously listed for XX/XX/XXXXXXXX  and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally obligated to ensure that all information on consumer credit reports is accurate, complete, and verifiable. I have thoroughly reviewed my records and found no valid documentation to support these late payments. Furthermore, the account was fully paid off as of XX/XX/XXXX, and is listed as Paid, Closed. 

In light of these inaccuracies and the damage they are causing to my creditworthiness, I demand the following actions : Cease and Desist : Immediately cease and desist from reporting any inaccurate or unverifiable information regarding this account, including the alleged late payments for XX/XX/XXXX and XX/XX/XXXX. 

Investigation and Correction : Conduct an immediate investigation into the accuracy of these reported late payments. If you can not substantiate the claims with credible evidence, I demand that these late payments be removed from my credit report without delay. 

Non-Communication Request : I also request that you refrain from any further communication regarding this matter except to notify me of the outcome of your investigation or to confirm the removal of the disputed information from my credit report. This request is made in accordance with the Fair Debt Collection Practices Act ( FDCPA ), which provides consumers with the right to limit communications from debt collectors. 

Please find enclosed any relevant documentation that supports my claim. I expect a resolution to this dispute within the timeframe specified by law, as outlined in the FCRA. 

In addition, I have filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Failure to comply with these demands may result in further action, including but not limited to additional complaints to regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to your immediate compliance and a satisfactory resolution. 

Sincerely, XXXX XXXX
Product: Credit card

In XX/XX/XXXX I mistakenly paid my monthly of {$5000.00}. Sams Club credit card twice. Because I had received a email of non payment from them. checked my bank statement and found that I did double pay.one payment on XX/XX/XXXX and one payment on XX/XX/XXXX. when I called then. They stated that they did not receive payment on XX/XX/XXXX. So I started to call them back to resolve this issue. One representative did find the mistake on there side and issue me a refund check dated XX/XX/XXXX, But even before I could cash it I received a letter stating that they needed more information and again charge me again the said amount that I overpaid them. Every time I would send them the information. They would send me another letter stating that that was not enough information. By XXXX of XXXX I received a letter stating that they did make the error. I cashed the check that I received in XXXX of XXXX Just to find it charge back on my credit card again. I called back again and was told just to pay the amount above the {$5000.00} which I was doing. Now they are charging me late fees and interest on the amount of {$5000.00}. I have XXXX XXXXXXXX XXXX XXXX and this has been affecting me. Please Help me with this issue. Thanks you in advance.
Product: Credit reporting or other personal consumer reports

I signed up with Experian to report my XXXX bill payment history. They are no monitoring my banking transactions and telling me when a make a large deposit or spend money. 

I never agreed to have my transactions shared with anyone including them.
Product: Credit card or prepaid card

On XXXX XXXX, I was informed that my American Express Platinum Card was canceled immediately and all my reward points are forfeited. 

American Express should give a notice of account cancellation before the action was taken, so that the customer can have a grace period to handle all assets from the account. 

American Express said they sent an email notification 7 days before the action was taken, but as a customer, I never received such notification at all. Otherwise, I would definitely transfer out my reward points before the account was closed.
Product: Debt collection

Security Credit service is an collector that i dont recognize as mine..was open on XXXXXXXX  as a fraud report ... this company cant proof this account as mine, they must to send me proof of debit validation ....
Product: Debt collection

I have been trying to make a one time payment on my account since XXXX because last month my autopay stopped working for the first time in over a year. I assume this is due to me trying to add {$100.00} towards my principal balance every month on my autopay since that is the only change I've ever made in my account. None of my attempted payments have gone through and my bank has said twice now that they are not seeing any attempt to charge my account. Loancare keeps adding return fees and late charges to my bill and the representatives will just hang up on me instead of helping me resolve the issue. After being told multiple times by a representative over the phone and receiving email confirmation that my XXXX payment went through, it has not. I contacted Loancare via phone today to try to resolve the issue again and got the representative to double check my routing and account information. My account number was incorrect. How is this even possible when I have been on autopay over a year and not touched or changed it at all? You'd think a representative would check those things first if there were an issue but not one person I spoke with actually tried to help me out. Loancare is making it impossible to pay my monthly bill and none of their representatives actually stay on the phone to help. I've also reached out to Loancare via email and they sent " give us a call ''. The least helpful response.
Product: Checking or savings account

I had an account starting in XXXXXXXX XXXX XXXX and the account got closed without my knowledge sometime in XXXXIm not sure how much money if any at all was in the account when it was closed without my knowledge.
Product: Credit reporting or other personal consumer reports

MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXX/XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXX ACCT # XXXX FRAUD/REMOVE XXXX ACCT # XXXX FRAUD/XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
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 XXXX 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 ARE XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 

XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$22000.00}. 

XXXX XXXX  XXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}.
Product: Credit card

CFPB I made application to Bank of America for an XXXX  XXXX XXXX card with a special promotional bonus in XXXX, XXXX. Bank of America responded on XX/XX/XXXX with a letter of denial citing the reason : Unable to verify identification. 

Subsequently I contacted Bank of America asking why they were unable to verify my identification and how I could assure them of my identity. During the conversation their representative requested that I provide the Social Security Administration permission to verify my existence. Instead I provided a copy of my original Social Security Card and my REAL ID driver license on XX/XX/XXXX. 

On XX/XX/XXXX I received a denial identical to the XX/XX/XXXX letter citing the reason : Unable to verify identification. Once again I contacted Bank of America by telephone and asked why they could not identify me to their satisfaction. The banks representative stated that the Social Security Card copy and REAL ID driver license did not meet their requirements and that the bank needed a form SSA-89 Authorization for the Social Security Administration To Release Social Security Number ( SSN ) Verification and a copy of my XXXX IRS Income Tax filing. I provided the cited documents mid XXXX, XXXX and have received neither the requested VISA card, nor a third denial from Bank of America. 

It is my suspicion that Bank of America does not wish to honor the promotional bonus of XXXX XXXX Airline miles which were promised. My credit score is exceptionally high ( greater than 800 ) and my income stable. 

Within Bank of Americas system my application is identified as Reference number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the attachments, this is not a 3rd party. I have yet to receive results into the investigation. According to the FCRA, All accounts must be removed if no results within 30days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate personal information on my credit report that needs to be deleted.
Incorrect Names : 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 Incorrect SSN : XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address identification number : XXXX Type of Residence : XXXX XXXX XXXX  Geographical code : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Address identification number : XXXX Type of Residence : Single family Geographical code : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, MD XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Debt collection

Some dept collector company LVNV Funding with the name of XXXX XXXX XXXX XXXX. keeps calling and threatening to bring my credit score down. They claim I owe money to some credit card company. I was told my credit score would be brought down to XXXX. I was told could I could only receive the company I owed was if I gave them my social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  showing I was late on 3 payment totaling 120 days from the Office Of The Attorney General of Texas XXXX  XXXX Division which is inaccurate as I have never been late. I had my my phone interview about my case worker I sign the paperwork and they sent a notice to my employer to garnish my wages and the company complied. So I never had anything to do with sending payments as it came directly out of my check so I have been late. I have mail in a dispute letter to both Equifax and XXXX   with no reply on XX/XX/2019 and have yet to receive any correspondence back