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

Subject : Complaint Regarding Non-Response to Credit Disputes Dear CFPB, I am writing to file a formal complaint against the credit bureaus for their failure to respond to my credit disputes in accordance with the Fair Credit Reporting Act ( FCRA ). I have submitted multiple disputes regarding inaccurate information on my credit report, but I have not received any response or resolution within the required timeframe. The details of my disputes are as follows : XXXX XXXX XXXX : XXXX-Verify the accuracy of this dispute or delete this immediately. 
XXXX XXXX XXXXThis account was never late. This account is paid as Agreed. Remove late payment immediately. 
XXXX XXXX XXXXVerify the accuracy of this dispute or delete this immediately. 
XXXXerify the accuracy of this dispute or delete this immediately. 
XXXX  XXXX Verify the accuracy of this dispute or delete this immediately. 

Despite my efforts to resolve these issues directly with the credit bureaus, I have not received any acknowledgment or corrective action. This lack of response is causing significant harm to my creditworthiness and financial well-being.

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that the credit bureaus comply with their legal obligations under the FCRA. Please provide me with updates on the status of my complaint and any actions taken.

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a renting an apartment. My lease ran out. 2 differnt groups bought the apartment complex after my lease was up. I had no problems until I was late on payment 1 time by 3 days. Apon getting the notification I payed in full with all late fees. After I recevied a XXXX dollor late fee notice. The next month i recived a {$140.00} late fee notice, a letter that said I owed the previous company, then a letter saying i had no lease, and several illegal threats of eviction. I asked for proof of me owing the previous company, they sent their ledger which started with a late charge and no explination why. It had several mathmatical errors. I sent back a list of errors. They then falsafied the ledger to try to hide their attempted fraud. I had enough moved out, turned in keys. Two months later they called and threatened to evict me however i didnt live their for two months. I then attempted to talk it out over email with them. They figured out I was documenting there illegal acts and refused to talk to me. This company usally takes people to court, however in my case since I have evidence of their fraud and it would cost me more to take them to court than the debt itself, they used the XXXX credit bureaus as their fraud enforcement. I have submitted enough evidence to prove what I have said, and even gottin a letter from them saying that the colloecter can not prove im incorrect, however they are more than happy to remain as fraud enforcement lackys. So i guess if you want to defraud someone just open an llc, make false ledgers, then sell your false ledgers to a debt collector and the credit bureau XXXX will back you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

U.S. Department The Family Educational Rights and Privacy Act ( XXXX ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. XXXX gives parents certain rights with respect to their children 's education records. 
My credit report shows this is my account number DEPT OF ED / NELNET XXXX, however, on the Nelnet website, it shows my account number is XXXX. This is INACCURATE information, inaccurate information must be removed immediately. 

My Information should not be on any credit reports due to ( XXXX ). 

per the FCRA as a federally protected consumer I ( XXXX XXXX ), am now opting out of any & all authorization I the consumer may have given written, unwritten, verbal & nonverbal per 15 USC 6802 Obligations with respect to disclosures of personal information, XXXX Form of opt-out notice to consumers ; opt out methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Money transfer, virtual currency, or money service

I sent a XXXX  payment through my bank of america account. The receiver turned out to be a scammer. I thought i was putting a deposit on a property and even toured it. The scammer had me send a XXXX payment of {$1600.00}. This was done on XX/XX/year>. XXXX said they would recover the funds but after XXXX week they said they wont try anymore. I let Bank of America know and they would not help me at all. Bank of america and XXXX know who received the money but never tried to help recover it.
Product: Credit card or prepaid card

Macy 's Credit has decreased my credit limit twice within the last 30days. My limit was {$800.00}. Once I paid {$200.00} in XX/XX/XXXX, my limit was decreased to {$600.00} immediately after payment. Then when I paid another {$100.00} payment in XX/XX/XXXX ( all within 30 days ) my limit has been reduced to {$500.00}. I have paid {$300.00} within 30 days and Macy 's can justify a credit reduction. As a platinum card holder, I was Always greeted as a valued customer by the live representative and even the automatic system. This does not seem or feel like I am valued when my money is taken and my limit is reduced so abruptly. 
This is also causing an adverse impact on my credit. 
I am a platinum card holder. I pay my bill. The only time I needed assistance was XX/XX/XXXX when Covid 19 first hit but Macy 's offered a deferment and I completed that arrangement. Yes, I missed 1 payment prior to the {$200.00} payment due to Transition of employment. 
I have not been notified of any decreases in writing. I am only aware of the decreases because I make my payments via phone. 
I am requesting that my limit is restored back to {$800.00}. I am very disappointed in Macy 's credit with their new practices.

Credit Limit. " Your initial credit limit is on the card carrier. After that, your credit limit appears on your billing statement. The full amount of your credit limit is available to use where the card is honored. We may reduce or increase your credit limit at any time for any reason as permitted by law. We will notify you of any change, but the change may take effect before you receive the notice. You should always keep your total balance below the credit limit. However, if the total balance goes over your credit limit you still must pay us. If your account has a credit balance, we may reduce the credit balance by any new charges on your account. You may not maintain a credit balance in excess of your credit limit '' Macys credit card agreement.
Product: Credit card or prepaid card

I received an offer in the mail from discover for a credit card that included an intro APR of 0 % for the first 6 months. After I applied, they said they would be able to offer me all of the same terms for the credit card, with the exception of the 0 % intro APR. I called Discover to find out why this happened, after transferring me to 3 different departments, they claim that a few issues with my credit is why they weren't able to approve my original offer. This does not make sense to me as every other term remained the same, even the credit line amount.
Product: Debt collection

I ended my Cell phone service XXXX  in XXXX, that is the year that I switched to XXXX. I have not had a XXXX account since then. It now says that I opened a XXXX  account XXXX XXXX. I have never opened an account in XX/XX/XXXX XXXX as I have had XXXX for years. I reached out to the deb collector XXXX, for a validation letter and have not heard anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Dear Transunion, I am writing to formally dispute the inaccurate personal information that continues to appear on my consumer report, despite multiple prior disputes. This is my fourth attempt to have this matter resolved. 

Enclosed with this letter, I have included a copy of my government issued identification for your reference. Only the name listed on my government issued identification should appear on my consumer report. I demand that all other inaccurate or outdated names and personal information be permanently removed.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of the information you report ( 15 U.S.C. 1681e ( b ) ). By continuing to report inaccurate personal information despite my repeated disputes, you are in violation of federal law. Specifically : Failure to Correct Inaccurate Information ( 15 U.S.C. 1681i ) : You are required to conduct a reasonable investigation into disputes and correct or delete any information found to be inaccurate.

Negligence in Maintaining Accurate Records : This ongoing issue demonstrates a failure to comply with your obligations to maintain accurate records, causing unnecessary harm and inconvenience.

Your failure to comply with the FCRA exposes you to liability, including potential statutory damages of up to {$1000.00} per violation, as well as punitive damages, court costs, and attorneys fees if this matter escalates to legal action.

I request that you take the following actions : Immediately delete any inaccurate personal information from my consumer report.

Provide me with a revised copy of my consumer report to confirm that all inaccurate information has been removed. 
Confirm in writing that the dispute has been resolved. 
Please consider this letter my final attempt to resolve this matter amicably. If this issue persists, I will have no choice but to explore my legal rights under the FCRA to ensure compliance and seek appropriate remedies. 

I look forward to your prompt resolution of this issue. Please respond within the required XXXX period, as stipulated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute on Sunday, XX/XX/2021 to TransUnion regarding an item on my credit report. I informed TransUnion the debt had been settled and paid. I received an e-mail from TransUnion via XXXX XXXX that the debt was accurate and had not been paid. I have proof this debt has been paid and this information should be reflected on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Product: Credit reporting, credit repair services, or other personal consumer reports

NAVIENT/XXXX  are reporting a fraudulent balance. A pass due balance of {$13000.00} and a write-off of {$23000.00}. 

This account was transferred to XXXX more than seven months ago, according to information being reported in the report of XXXX. 

It is requested the credit report of XXXX XXXX reflect a closed status and XXXX balance. 

NAVIENT/XXXX does not currently have an interest in this account, has failed to produce any proof of interest in this account, never obtained any collection agreement - nor collected a single dime, and, has subsequently relinquished the account to XXXX. 

Additionally, the account appear poised to drop off all credit reports about XX/XX/2018. 

This will be the third attempt to get this information corrected through CFPB. The previous two file numbers are : XXXX and, XXXX.
Product: Mortgage

On Friday, XXXX/XXXX/16, I called Quicken Loans about a potential refinancing of my existing mortgage. I explicitly told the representative what I was looking for, the term of the loan, and the minimum cash out amount that I needed ( {$140000.00} ). I told him that if the cash amount I needed was not possible, I would not be interested in refinancing since it would not serve my needs. He stated that I would be able to get the amount required, perhaps about {$5000.00} - {$7000.00} less ( which I did not object ), and the rate would be 2.99 %. He then said that he needed to " profile me ''. I told him that I would be ok as long as the cash out amount and the rate were accurate ( emphasis on these conditions ). After he ran my credit, he said everything was fine and I would be receiving a good faith estimate shortly. To my surprise, not only the cash out amount was substantially lower - {$120000.00}, more than {$20000.00} less than what I required! - the 2.99 % rate required more than 3.5 % in points, which he did not disclose! I emailed him back twice and received no response. I feel that I was cheated during the process so he could run my credit score and initiate the application, most likely because his compensation is tied to those metrics. He should have disclosed the points and Quicken Loan 's experience in this industry should have been more than sufficient to give an approximate cash out amount based on the closing costs, at the very least that the amount would not approximate my desired outcome.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  has sent me a letter that I requested to delete my information from them and any credit reporting agencies.
Product: Debt collection

I have been given papers of a court filing for petition for revival of judgement. debt was from XX/XX/2009. at that time I was married to my ex wife and resided with her and her son, daughter and her now deceased brother in law. I am not aware of this debt and it is not mine. this is the third case of fraud from this time frame.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card

I am writing to formally lodge a complaint against Discover for mishandling my identity theft claim. Despite providing ample evidence of fraudulent charges on my account and initiating several disputes with Discover 's fraud investigation department, my claim was unjustly rejected. This denial has had serious implications on both my credit score and financial stability. 
The fundamental issue lies in Discover 's failure to acknowledge that my phone, which was used the fraudulent charges, had been stolen. To address this, I promptly changed my phone number, email address, and other contact information associated with my Discover card. 
Regrettably, Discover did not update their records with this new information and continued attempting to reach me through the outdated, stolen phone number, hindering communication regarding the matter. 
Furthermore, while it is true that I paid for the charges in question, Discover 's assertion is both inaccurate and unfair. It is well-known that failure to settle credit card balances can lead to account closure. However, this does not justify the rejection of my claim, as it is abundantly clear that the charges were fraudulent and not linked to my legitimate financial activities. 
In my efforts to substantiate my claim, I provided Discover with a police report confirming the theft of my phone, as well as compelling evidence proving the fraudulent nature of the charges. Despite these efforts, Discover delayed conducting a thorough investigation until XXXX, even though I was initially assured by a Discover customer service representative that it would be completed in XXXX. 
During this prolonged period, I have been burdened with re-paying the fraudulent charges that I had already settled, waiting for the initial investigation to conclude. This ongoing predicament is severely affecting my credit and exacerbating my financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several issues with the XXXX  credit reporting agency. I have contacted them on several occasions regarding these issues. I have requested documents that show my signature on these accounts on three occasions and they refuse to produce any from the creditors. 

XXXX XXXX XXXX accounts # XXXX, # XXXX. These two accounts have exceeded the statue of limitations for the state of Georgia and they refuse to delete them. The accounts are closed and paid in full. 

XXXX XXXX XXXX # XXXX ( XXXX Bank Nevada ). They refuse to produce any documents with my signature on them for this account. The account is now seven years old and they keep updating the date ti record it. 

XXXX XXXX Bank # XXXX same issue as XXXX XXXX XXXX. 

These four accounts should be deleted from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not had any success with contacting the credit bureau and the online dispute center does not allow me to sign in. There is a fraudulent bankruptcy reporting on my credit report, this has been reported to XXXX  and they have removed it due to finding that it was indeed fraudulent. With no success reaching Transunion I am now filing a complaint to have the fraudulent record removed because I did not file a bankruptcy
Product: Money transfer, virtual currency, or money service

I can't tell you how many times I've called chime it's just about every other day I looked at my phone today I got 147 phone calls to chime in two and a half months I mean I shouldn't have to call a company that much to help me and they don't ever almost almost never help me something's got to be done about this company and the management and protocols and their IT system everything is messed up
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Cancelled XXXX card ( Barclay Card ) Noticed 2 months later - charge / late notice Charge was made 6 weeks after account closure Charge was fraudulent - and somehow processed by Barclay Card AFTER the account was closed! ) Called each month - Fraud department confirmed charge fraudulent - yet charge/fees still in collections