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

Credit Bureau has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. The failures align with my experience with XXXX, Equifax, and XXXX where these bureaus has neither corrected nor removed disputed items despite evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts, and the credit bureaus inaction violates federal law and my rights as a consumer. In addition, per USC 1681i ( a ) ( 7 ), I demand a description of the procedures utilized by the credit bureaus to investigate my disputes. All three agencies keep coming back saying they have verified my accounts with XXXX XXXX, when I have submitted documentation from XXXX XXXX showing they are not reporting the XXXX  account at all. In addition, I have submitted proof that the XXXX XXXX  XXXX does not report any information to any credit agency as well. I have even had the credit bureaus state they can not verify my identity. I am attaching identity verification to eliminate this excuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX and XXXX XXXX regarding my extended fraud alert and requested that my phone number be added to the alert. I have applied for credit applications and those applications have either been placed on hold or denied because the credit bureaus have not honored my credit and added my cell phone number to the alert. XXXX XXXX and XXXX have not added the extended fraud alert to my credit report at all and it was added to XXXX credit back in XX/XX/2019. I am in the process of having two credit card applications approved and they are being held up based on the fact that my cell phone doesnt appear on the fraud alert and XXXX is delaying the process or just not getting not at all. I contacted XXXX XXXX and they told me that they never received any information that I had an extended alert and would not add the extended alert to my credit report. XXXX and American Express have both told me that they would have to re-run my credit again, resulting in an additional hard credit pull if and when XXXX and XXXX XXXX add my cell phone number to the fraud alert which should have been done back in XX/XX/2019.
Product: Checking or savings account

On XX/XX/2018 we had fraud on our debit card. It was compromised for {$590.00}. Chase bank said we are liars and there is no way our account could have been compromised. The charge occurred 35 miles away on the other side of town. We were in bed at the time. We filed 2 police reports. Sent footage of charges being made by someone else. They said we could have let someone else use our card. Our account has been negative ever since.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking report i notice fraudulent charges on my report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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
Product: Debt collection

I contacted the company to pay to delete. I stated that I needed them to send me a letter agreeing to these terms before I paid the XXXX they agreed to. 

I was never given an opportunity to pay this debt before it was sent tobthe creditors in XX/XX/. Dropped my credit score by XXXX points.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX I lost my husband, I paid my mortgage off with the money he had left, he worked for the USPS and they put remainder of funds into a annuity account, my family wanted me to go to speak to a financial advisor to see what I should do with the remainder of funds, I was told at Wahcovia at the time to invest into an Money Market account and take out a Small ( XXXX ) revolving equity loan so I had a write off as I paid the home off, not sure what to do I trusted them but was not back to working and really did not need another payment as we had just purchased a new home. before he passed. I am 20 years into the loan paid a monthly bill whatever the payment was added to principal at times and never saw a amount off principal balance tried several times to to take out additional funds to fix up the home and upgrade, and was denied, also never told why exactly, I did receive paperwork about equity loans being given out at Wachovia with faulty disclosures and filed, but never received any following on that.. I had called and asked to speak to XXXX XXXX as she help out that day and was told she left the bank, I asked for what location she was at and was told they could not help me. I am asking now because I have a 40 year loan that I was never permitted to increase and was frozen in XXXX because of XXXX late payments,,,, also it was interest only payments for 20 years with a 20 year draw which was frozen 7 years into, and now they want payment high interest for another XX/XX/XXXX years on principal with again daily interest? I was even told to go to another company and ask for a loan to pay off this loan which I paid interest on for XXXX plus years..Seems like I am way overpaying on such a small amount my home has increased in value over the first XXXX, I am so confused and never heard of a 40 year loan and such long interest payments, ( 40 years interest ) .but I was taken advantage of at a rough time in my life I have stopped payments as this is not realistic, or fare to the customer. Please contact me for further information Thank you for your prompt attention to this matter XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and to request that all the accounts and inquiries listed below be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These provisions require that any accounts or inquiries that resulted from unauthorized access or fraudulent activity must be blocked and deleted. 
Please take the necessary steps to remove the following accounts and inquiries from my credit report : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I'm writing to address the concerning issue I've encountered with XXXX XXXX. Despite being a loyal customer with a solid payment history, I experienced a significant increase in my monthly policy premium in XXXX. Upon questioning my agent, about this sudden change, I was informed that my son 's use of the tow service had triggered an algorithm within XXXX, categorizing us as high-risk. This explanation came as a surprise to me, and when I expressed my dissatisfaction to XXXX XXXX, his response was dismissive and unprofessional. 

Feeling dejected by the lack of helpfulness by my agent, I attempted to transfer my policy to another agent for improved customer service, but I was met with resistance and told that such a transfer was not possible. As a result, I decided to seek out alternative insurance providers and ultimately initiated a new policy with XXXX XXXX XX/XX/year>. 

To my dismay, on XX/XX/XXXX, I received a message from a collection company demanding payment of {$600.00} for the auto policy and {$42.00} for renters ' insurance. After contacting the company at XXXX, I was informed that submitting proof of starting the new policy before the cancellation date might provide a resolution. I promptly provided the necessary documents, only to learn on XX/XX/XXXX that XXXX had rejected them, and I was still being held liable for the charges. The threat of having the purported debt added to my credit report if I continued to dispute the issue is both distressing and unacceptable. 

I strongly believe that I do not owe the aforementioned amounts. It appears that these charges are unjust and XXXX be punitive due to my decision to switch to a different insurance provider. I would greatly appreciate your assistance in resolving this matter promptly. 

Thanks
Product: Checking or savings account

My husband deposited his payroll check, in the amount of {$1400.00}, on Friday, XX/XX//18, after hours at the ATM of our bank, Citibank. He then received a receipt with an error message that said, there was a technical issue and the check can't be deposited or returned. There was also a customer service number on the receipt. We called on XX/XX/18 and they were less than helpful. They filled out a request for investigation but said it would be up to 10 days before we received our money back. I understand their policy but what I don't understand is why the customer has to have their funds tied up and be put in an uncomfortable position while the bank figures out its ' technical issues. I now have bills that are late and can't even put gas in the car to get to work. Their customer service department even told me that we shouldn't deposit checks after hours because " you never know with technology ''. I banked with XXXX for many years and never had this issue. I'm truly floored and extremely frustrated.
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. 


I told the XXXX, XXXX, and Equifax to reinvestigate these accounts ; XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 usc 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

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.

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have asked XXXX and XXXX to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment on Active Account - XXXX XXXX  Credit Card I am writing to dispute the late payment reported on my credit report for the following account : - Account Name : XXXX XXXX  Credit Card - Account Number : XXXX - Original Creditor : XXXX XXXX  - Date of Alleged Late Payment : ( Experian XXXX, XX/XX/XXXX ) XXXX XX/XX/XXXX ) I am still an active account holder and have been making timely payments. The reported late payment is an error. I request that you remove the late payment from my credit report, as it is inaccurate and negatively affecting my credit score.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as inaccurate. I request that you : 1. Investigate and correct this error within 30 days.

2. Remove the late payment from my credit report.

3. Send me a revised credit report.

I have attached documentation supporting my claim, including : - Proof of timely payments - Account statement showing no late payments - Copy of credit report highlighting disputed information Please expedite this matter, as the error is affecting my credit score. 



Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account number XXXX XXXX H XXXX  XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX 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 which antedates the report by more than seven years.

15 U.S.C 1681s-1 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer report agency if the
Product: Checking or savings account

On the night of XX/XX/XXXX, we had two debit card charges of {$5.00} and {$15.00} hit our account, as well as an XXXX XXXX charge of {$100.00}. Additionally, we had an automatic transfer occur for {$100.00} that automatically sent {$100.00} from our BB & T checking account to our BB & T savings account. This same night, we also had a direct deposit of {$1300.00} hit the checking account as well. What BB & T did was to arrange the debits in a way that caused the checking account to go slightly negative for a brief moment in order to charge us an overdraft fee, and then they applied the direct deposit to the account, bringing the account positive. Aside from the fact that they stacked the debits and direct deposit in a way as to cause the account to briefly go negative, I think its criminal that they should even charge overdraft fees for an overdraft caused by an automatic transfer of money from one account at their institution, to another account within their institution under the same customer name, but thats beside the real point here. At the end of business day on XX/XX/XXXX the account was in the positive, and at the beginning of business day on XX/XX/XXXX, it was also in the positive. BB & T has refused to fix the issue.
Product: Credit reporting or other personal consumer reports

I requested the following Names and addresses off my Credit Report Immediately, and they remain. Again, after the request, someone tried to set open accounts in my name. 
These are completely wrong and need to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Credit Acceptance closde this account in XX/XX/2016 they are reporting a late payment every month since then, they are also reporting a monthly payment of $ XXXX  monthly on my XXXX  on a closed account. As well as the high balance is reporting {$10000.00} but the account balances over {$17000.00}. How is that possible?? all of this is incorrect information and they will not change it I have disputed this account numerous of times. The company hasn't done anything to update the incorrect information.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX  ( soc XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX Im writing to file a complaint I have been disputing CITI BANK ACCOUNTS I have been disputing this account with you since XX/XX/XXXX XX/XX/XXXX I need to Know how is these 3 accounts reporting on my credit file per the FCRA 623 AND FDCPA B state that the creditor MUST MUIST enter a noticed of dispute. IF THIS IS NOT ENTERED THE ACCOUNT CAN NOT I REPEAT CAN NOT REPORT ON THE CREDIT REPORT this has been since XX/XX/XXXX Please delete these THREE Accounts ASAP XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with the major credit bureau XXXX and Experian about the unverified info being reported from XXXX XXXX XXXX XXXX, Account number XXXX and XXXX XXXX XXXX  Account number XXXX. 
In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from these companies in over 2 months as of today. Thank you
Product: Credit reporting or other personal consumer reports

re : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is to request you to remove inaccurate information from my credit report. Such inaccurate information has affected my chances of getting loans and credit. For your convenience, I have supplied a list of inaccurate accounts below. 

I hereby request you to make the changes within 30 days so as to avoid any violation of the FCRA. Please send me a copy of the changed credit report at the earliest. 

Thank you for your time, XXXX XXXX XXXX
Product: Debt collection

LVNV/Resurgent Capital indicated a balance of {$1000.00} when I contacted ON XX/XX/year> directly to XXXX XXXX XXXX that balance was {$900.00} and Payable directly to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I recently received your response to my complaint about not receiving a proper investigation from your company. I disagree with your assessment that I did not provide enough information to support my complaint. I submitted screenshots and detailed information about the issue, and I expect a thorough and fair investigation. 

Additionally, I would like to point out that I am currently disputing my entire consumer report with XXXX, as they recently removed everything from my report. Given this, I have reason to believe that my Experian report may contain inaccuracies as well. Although I was unable to find the report number in the Experian online service, I pulled an updated report on XXXX. 

I am concerned that your response to my email, rather than through the CFPB complaint system, may indicate an attempt to close my complaint before it is fully resolved. I request that you take all necessary steps to ensure that my complaint is properly investigated and that I receive a resolution that rectifies the harm caused by your company 's actions. 

Please let me know if you need any additional information from me to assist with resolving this matter. I look forward to your prompt response. 

XXXX
Product: Checking or savings account

I was using XXXX XXXX to pay our household employee ( Nanny ). I notified XXXX XXXX that the nanny position would not be needed anymore as our children were attending school. They continue to charge me monthly {$10.00} for the last 15 months. Cancellation process is significantly more involved than signing up for their service was. Customer service has records of my contact and requests to cancel service, yet they require I follow multiple prompts according to their protocols. I do not authorize these transactions on my checking account and have notified my bank, yet the charges continue.
Product: Credit card

XX/XX/XXXX, Synchrony Bank/JCP called our home landline since I was n't able to make a payment on my card that was due on XX/XX/XXXX. My husband answered the phone. The person he spoke with gave him my JCP credit card account information without my permission even if he knows that he is not a joint or authorized user of my credit card. As far as I know, it is unfair business practice and that they are not allowed to give my credit card information to my husband. And that they violated my privacy. They also collected a payment from him on my behalf without my knowledge. Whenever I called customer service, I have to authenticate myself on the automated system before I can get information. And I have to authenticate myself again to the agent that I 'm talking to before they can give me information to make sure that I am the account owner. What if the person who answer the phone is just pretending to be my husband, then my information got compromised.