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

I am filing a formal complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated submissions, XXXX consistently responds within 24 hours, stating that the account in question is accurate. However, they fail to provide any evidence that a thorough investigation has been conducted. 

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation of any disputed information. By not performing an adequate investigation or providing sufficient documentation to support their conclusions, XXXX has failed to comply with the requirements set forth in the FCRA. 

Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The Consumer Financial Protection Bureau ( CFPB ) has recently addressed such violations in their administrative proceedings, emphasizing the need for companies to ensure they are not engaging in deceptive practices that harm consumers. 

As a result of these failures, I am requesting that XXXX take immediate action to review and correct the inaccuracies in my credit report, provide a comprehensive response outlining the steps taken during the investigation, and ensure full compliance with the FCRA and CFPA going forward. 

Please treat this matter with the urgency it deserves and provide a prompt response detailing your intended course of action. 

These are the accounts that Ive marked as inaccurate ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

There was 3 fraudulent unauthorized transactions made using my paypal mastercard debit card for the following amounts. When I noticed them i contacted paypal right away about them and did everything as their policy states to do when there is unauthorized usage on the account. After submitting a claim promptly for the transaction about a day later i get a response for the first 3 transactions stated they were denying my claim because I authorized the transactions and thus isnt protected under their paypal purchase protection. This is completely unacceptable because i did not authorized the transactions and i did everything on this policy when this happens and i should not be liable for any unauthorized transactions per this own policy and Mastercards. They are breaking and not following thier own protocols. Its annoying and unacceptable. Please help recover my funds its about {$500.00}!! : ( im so behind on my bills because of this. 

XXXX XXXX XX/XX/XXXX - {$190.00} XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, - {$190.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not properly reporting my credit cards to my report..I have a higher total credit card limit but they are not showing properly on my report causing me to have a higher usage percentage..They say I have a 4800 limit throughout all my cards and the limit is actually higher than that..And I see that they are not even listing one of my card accounts..
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance Owed : {$1000.00} XXXX  XXXX Balance Owed : {$1700.00} Account Number : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

they send me documents in the mail saying they incorrect information has been removed but its still on the file
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went a dealership to finance a car. I expressed to the salesman and also also the finance department that I only wanted to apply to XXXX XX/XX/XXXX and if I wasn't approved to not use my credit for any other banks. THEY LIED and sought after credit to more than XXXXXX/XX/XXXX. 
The credit bureaus were suppose to use all of these same date car loan inquiries as one. The following inquiries were not authorized : 1XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

Me and my wife installed solar and financed with a company called XXXX. As part of the process they offered us a credit union account with PenFed. We declined, nver filled out the paperwork to enroll in this credit union. We then received information about our bank account under just my name not my wife 's name from PenFed, I called and declined the account that we never signed up for, they said they can't close it, we would have to have XXXX close it, I called XXXX they said they have nothing to do with the account being open. I have called and emailed PenFed Credit Union many times, now they won't respond to my emails, and last week recieved a Welcome to PenFed folder for my new account, they also send me a {$5.00} check which I am sure to get me to deposit the check as a way to solidify agreeing to this account. I want this account closed and it's impossible to get them to do it. I have read their reviews on line and they seem to be a scam of a bank that has very bad reviews. How can I get them to close this account.
Product: Checking or savings account

On XX/XX/2018 2 unauthorized charges of {$100.00} were made at a XXXX gas station in XXXX Georgia. I have filed a claim and have not yet been issued a temporary credit 22 hours after filing the initial claim. I was advised by a chase representative that I should receive a credit within 12 hours after submitting the claim. I have spoken with 3 individuals, all of them telling me that they are sorry but they cant issue a credit until the charges show posted instead of pending. I have XXXX children and NO MONEY to feed them while waiting for my credit to post. I am disgusted by the way Chase is handling my account.
Product: Credit reporting or other personal consumer reports

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I have information on my credit report that does not belong to me. I contacted the bureaus, but they did not remove the accounts from my credit report. 


Equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I received an invitation in the mail from Light Stream lender that I am pre-approved for a loan. I decided to apply for a {$40000.00} loan to pay off my high-interest credit card balances. 
They did not approve my application even though I have the following credentials : XXXX Score of XXXX No late payments on any of my loans Excellent credit history Home equity of $ XXXX XXXX income of over $ XXXX I also have my home loan through one of their affiliated company for $ XXXX for no late payments. 
All my credit card payments were paid on time and way over the minimum required amount. 
One would wonder who these guys give loans to then. 
They ran my credit for nothing and they wasted my time with their false advertising.
Product: Mortgage

After being pre-approved for mortgage loan, I submitted all documents regarding my bank accounts for the month of XXXX and XXXX. I deposited money into my savings, then was told I needed to show proof of where I got the money from. I submitted that information as well. Then today was asked for my login and password for my bank account and stock account, so she can login and look at them. After researching information online, I found that I should not give that information to anyone. Also loan officer keeps losing information, so I have to refax or resend emails of documents she has requested.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX  : Account number - XXXX _____________________________________________ INQUIRIES:15 USC 1681i 15 USC 1681b - XXXX XXXX XXXX XXXX  AUTHORIZED USER XX/XX/XXXX. 

XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1692g 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681
Product: Credit reporting or other personal consumer reports

Dear XXXX and XXXX XXXX Department, I am writing to follow up on our recent conversation regarding the fraudulent account reported on my XXXX credit report by IQ Data. As requested, I am submitting the necessary documents to support my dispute. 

Enclosed, please find the following documents : XXXX. FTC Identity Theft Report - detailing the fraudulent activity associated with IQ Data. 
XXXX. Proof of Identity - a copy of my government-issued ID for verification purposes. 
XXXX. Proof of Address - a recent utility bill, lease agreement, or other official documents that show my current address. 

I would like to reiterate that I did not authorize or open the account reported by IQ Data. This is a case of fraud, and I respectfully request that the fraudulent account be removed from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

Dear Radius Global Solutions, I am writing in regard to a student loan that I recently discovered has been reported as defaulted and transferred to collections under your agency. I was unaware of this debt and the default until I reviewed my credit report. I am requesting clarification and resolution regarding this matter. 

I moved to XXXX, Nevada, in XX/XX/year> and never received any written notices or communication about this debt at my current address. It appears that attempts to contact me were sent to my previous address, and as a result, I was not made aware of this issue. Upon contacting your agency, I learned that a message regarding the account was sent, but I had no knowledge of it due to my relocation. 

I am requesting : -Validation of the Debt : Please provide detailed information regarding the debt, including : -The original creditor and loan account details. 
-A detailed history of payments and any missed payments. 
-All attempts to contact me, including dates and methods used.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

US DEP ED XXXX {$41000.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX XXXX {$820.00} XXXX   XXXX-XXXX {$410.00} XXXX XXXX-XXXX {$1200.00} XXXX XXXX-XXXX {$400.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$150.00} XXXX XXXX   XXXX {$1200.00} XXXX XXXX   XXXX {$400.00} XXXX XXXX   XXXX {$410.00} XXXX XXXX   XXXX {$720.00} XXXX XXXX   XXXX {$740.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$350.00} XXXX   XXXX {$1200.00} XXXX/XXXX XXXX {$450.00} XXXX XXXX {$820.00} XXXX XXXX-XXXX {$720.00} XXXX   XXXX-XXXX {$890.00} XXXX XXXX XXXX {$600.00} XXXX XXXX-XXXX {$450.00} XXXX XXXX {$750.00} XXXX XXXX XXXX {$67.00} XXXX XXXX-XXXX {$300.00} XXXX XXXX {$300.00} DPT TREASURY XXXX {$56.00}
Product: Credit reporting or other personal consumer reports

The following allegations each require immediate deletion, do so now and here! 
Below are the accounts in question : Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 1 : XXXX XXXX Credit account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 2 : XXXX XXXX Credit account # 3 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 3 : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has accounts and addresses that I have no association with. My information was shared without my written consent.
Product: Credit card or prepaid card

I enrolled in American Express ' XXXX XXXX Program ( the " Program '' ) on XXXX XXXX, 2020, with my credit card account having been previously reported by American Express to the credit bureaus once in XX/XX/2020 as 30 days past due. 

I enrolled in the Program under the impression, as stated in the Program 's terms and conditions ( received in writing on XX/XX/2020 ), that " if it ( your account ) is past due now, it will not be reported any further past due ''. Despite this representation in the Program 's terms and conditions, American Express reported my account as past due again subsequently on XX/XX/XXXX, 2020- XXXX days after my enrollment in the Program and contrary to the terms and conditions cited above. 

Since the second reporting on XXXX XXXX, 2020, I have contacted American Express twice to 1 ) express my surprise at the reporting given the clear statement in the Program 's terms and conditions that states otherwise, and 2 ) request that the XX/XX/2020 credit bureau past due reporting be rescinded. During both calls, American Express provided additional previously unknown Program terms to me, specifically that my account would continue to be reported to the bureaus as " past due '' because " it takes 3 payments to bring the account current under the program ''. This information and caveat was never made known or explained to me by American Express, nor is it specifically stated in the Program 's terms and conditions I received on XXXX XXXX, 2020, in writing. 

As a result, I am filling this complaint to highlight the 1 ) highly misleading and inaccurate terms and conditions cited in the Program 's consumer documentation, indicating that '' if it ( your account ) is past due now, it will not be reported any further past due '', which is clearly contrary to actual practice given the past due reporting to the credit bureaus on XX/XX/2020 and subsequent verbal statements by American Express representatives, and 2 ) request that the Program 's terms and conditions be clearly and specifically transparent regarding the actual continued negative credit bureau reporting for an account with a past due status at the time of Program enrollment, and 3 ) that as a result of the above, American Express honor the documented Program terms and conditions as presented to me via letter dated XX/XX/2020 and rescind the negative past due reporting on XX/XX/2020 and refrain from any such further reporting during the course of my enrollment in the Program. 

This is extremely important in light of other consumers ' desire to avail themselves of this Program. American Express ' misleading and non-transparent Program terms is shameful in normal times, and downright disgraceful during these extraordinary times.
Product: Credit card or prepaid card

I have been an Citibank credit card customer since XXXX, I have not missed one single payment on my card and my XXXX score is XXXX. I have been paying the annual fee of over {$400.00} every year. 
In early XXXX, XXXX, Citibank closed my card without prior communicating with me through any form, hence I don't even know the exact date of my account closure. 
I reached out to Citibank via phone call, despite I told them I'm not physically in the XXXX right now, they said the only way to communicate with them on this matter, is through physical mail ( not with email or phone calls ).
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have one late payment on an account that I was never late for. In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy. 

Consumer Reporting Agencies have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy, however, they are violating 15 USC 1681 Section 604A section 2 which states a consumer reporting agency can not furnish an account without my written instruction. I have never been late on payments for the account that i have included screenshot inside this complain in on dates of XX/XX/22. 

Please investigate and provide Proof with statements showing that these payments were late and the proof of my written consent to consumer reporting agency to furnish negative items on my XXXX XXXX account. 
If proof can't be provided, I demand these payments be updated to Paid on Time as they should be. In accordance with 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Student loan

I am currently in graduate school and have been for the past XXXX and XXXX  years. I have applied for deferment with Mohela numerous times and had been given the run around since XX/XX/2021. My XXXX (? ) loans are finally in deferment but despite me asking NUMEROUS times about why my cash loan continued to be require payment I was never given a real answer. It was not until I called this month and spoke with someone again that I was told there was a specific cash loan application ( This was new information to me ). I immediately had my school provide yet another deferment application despite having already providing documentation that I am in school full-time. I just saw they denied my deferment saying the account was 120 days past due. As I said, I have been trying to address this issues for almost and I have numerous emails on Mohela 's website showing my attempts to address this. I received notice this week they have sent my loan into default despite my attempts and providing proof that I am in school. I was denied the deferment despite finally being told that is what needed to happen. Can you please help?
Product: Credit reporting or other personal consumer reports

I was trying to purchase my first home for my XXXX son & I & I found out I had damages on my credit report according to the 15 USC 1681 Law there should not be any damages on my report that is a defamation to my character. Please remove these accounts immediately. My son & I are tired of renting and I want to purchase a home. 
The accounts below need to be removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a written notification about debt I supposedly owe in the amount of {$34.00} from XXXX  to XXXX XXXX. XXXX XXXX reservations are paid in full upfront. I would not be able to start another reservation without paying for a previous one. I did not receive enough information to verify this debt, and it is also being presented after so many years have gone by.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I have transcripts with an MONEYLION INC Representative confirming that the account was going to be removed in the beginning of XXXX as by federal law it is to be removed immediately. Contacted a minimum of 5 times asking for a manager since XX/XX/22. 

Please see attached