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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year> To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Experian on day XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX, account number:XXXX, and here is my tracking number : XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 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.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit card or prepaid card

My wife XXXX XXXX XXXX and I both have cards from American Express. 
Recently we BOTH received marketing offers from American Express on our respective credit cards. 
The offers were quite clear. 
Spend {$150.00} or more at XXXX XXXX in store or online and receive a {$15.00} statement credit. 
We EACH did this. We each spent {$170.00} on our respective cards at XXXX on XX/XX/23. 
We did not receive the {$30.00} ( {$15.00} on each card ). We received nothing. 
We spent hours on the American Express chat with different reps and even a supervisor and they all had a myriad of excuses as to why we did not receive the promised cash bonus. 
One rep theorized that it was the way XXXX XXXX chose to report the sale ( XXXX ) to American Express. Possibly this was a fraudulent scheme by XXXX to negate the need to pay marketing bonuses. 
Our respective credit card billing statements are crystal clear. 
They show the merchant to be XXXX CO XXXX MN and the XXXX phone number. 
Subsequent to our first complain American Express posted a {$15.00} courtesy credit to my wife 's account ( XXXX ) but did nothing for me on my account ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/XXXX over fraudulent inquiries I noticed on my credit report. They did not remove them, and I filed another dispute on XX/XX/XXXX. I contacted them by phone on XX/XX/XXXX and they told me they could not remove the fraudulent inquiries without a report. 

To date, I have at least XXXX fraudulent inquiries on my Equifax credit report that are hurting my credit score. 

I was able to contact XXXX and XXXX, and they removed fraudulent inquiries from their reports. Equifax is the only credit bureau that refuses to remove the inquiries.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unlawful Reinstatement of Deleted Account and Payment Refusal by XXXX and Capital One Bank. 

Dear Consumer, Financial Protection Bureau Representative, I am formally filing a complaint regarding Experians wrongful reinstatement of a previously deleted account onto my consumer credit report. After my request to delete this account under FCRA 605B ( 15 U.S.C. 1681c-2 ), XXXX removed the account. However, due to a joint account with Capital One Bank, the deleted account was flagged and reinstated, allowing Capital One to report XXXX late payments without my consent. No prior notification was provided regarding this change. 

Legal Definitions : Money : A medium of exchange authorized or adopted by a government as part of its currency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment : The fulfillment of a promise, made in money or other valuable consideration. ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Instrument : A legal document, such as a contract or negotiable paper, presented as evidence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Summary of Issue : I submitted a valid payment to Capital One Bank, using an instrument which was improperly rejected. Payments must be made in U.S. dollars and from a recognized depository institution in the United States. Capital Ones rejection of my payment is in violation of UCC 9-307, and I assert that under House Joint Resolution XXXX of XXXX my debt obligation is to be discharged, not necessarily paid in gold or traditional currency. 

Request for Documentation : To resolve this issue, I demand that Capital One Bank provide : A copy of the original agreement with my wet-ink signature outlining my obligations. 
Documents showing the original payment records. 
A detailed explanation if my payment was rejected, as per UCC 3-603 ( b ).

Terms of Tender : 1. Capital One Bank must provide a detailed explanation if the payment was deemed insufficient or erroneous, along with the original unaltered documents. 
XXXX. If original security documents are not returned, it will be presumed the instrument has been monetized. 
XXXX. If payment is rejected without a written explanation, I expect the debt to be discharged via the filing of a XXXX. 

Conclusion : Due to clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I demand : XXXX. The immediate removal of all inaccurate information from my credit report. 
XXXX. Payment of statutory damages for violations. 
XXXX. A written response with all supporting documentation. 
Failure to comply within 10 days will lead to : A federal court complaint for willful violations. 
Regulatory complaints to the CFPB, FTC, and the state attorney generals office. 
Reporting to the IRS for potential tax fraud. 
Seeking full damages. 
This is a final demand for compliance. 

Sincerely, XXXX XXXX XXXX. 
Without prejudice
Product: Checking or savings account

Bank of America closed my checking account and would not even give me a reason for doing so. There was no justification for doing so since I was in good standing with them. There was only a fraud with someone in Texas trying to charge {$.00} on my debit card at a gas station. This was not even my fault. 

Additionally, they only gave me a same day notice on a Friday and I had to do without funds for the entire weekend. The funds I have in the account, they want me to wait 1-5 business days before I can get my money back through a cashier 's check from them that is in the account. This banking practice by Bank of Ameria is so very unfair.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$3800.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have 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 # ( private case number ) 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims correctly. They informed me that recovering lost funds was impossible and that the tracking of these transactions were infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system. Leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against EXPERIAN, XXXX, and XXXX concerning their handling of a fraudulent account listed on my credit report. Despite my diligent efforts to resolve this issue through appropriate channels, including providing substantial documentary evidence, the bureau has failed to remove the fraudulent account. 



On XX/XX/2024, I discovered an unrecognized account on my credit report, which I immediately reported to EXPERIAN, XXXX, and XXXX as fraudulent. Following the recommended procedure, I provided a police report, an FTC Identity Theft Report, and sent letters of dispute along with copies of my identification to ensure thorough verification. 



Regrettably, my efforts to rectify this issue have been met with inadequate responses from the credit bureau. Specifically, after their investigation, they informed me that the data furnisher had verified that the account belongs to me. However, no proof or detailed explanation has been provided to substantiate this claim, which directly contradicts the evidence I have submitted indicating identity theft. 



The presence of this fraudulent account has adversely affected my credit score and has potentially far-reaching implications for my financial health. It is imperative that this matter be resolved promptly and fairly, ensuring that all inaccuracies are corrected in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making regular student loan payments to XXXX XXXX throughout the entire Coronavirus period of student loan payment pause. XXXX XXXX has apparently not reported my payments to any credit reporting agencies since XX/XX/XXXX ( with the exception of XX/XX/XXXX ). The status on my credit reports for those months is marked as " Unknown. '' On XX/XX/XXXX, my TransUnion credit score suddenly increased XXXX  points. By XX/XX/XXXX, my TransUnion FICO XXXX  score dropped XXXX points through no fault of my own. I spoke with TransUnion two days later and the explanation they gave me for the sudden decrease in score was that XXXX XXXX had not reported any of my student loan payments made since XX/XX/XXXX. TransUnion then filed a dispute on my behalf with XXXX XXXX. 

I also experienced a credit score drop with XXXX the first week in XXXX ( XXXX points ) and filed a dispute online, which, within three days was disproved due to a " lack of information in the documents I uploaded. '' This sudden credit score drop with XXXX has somewhat resolved itself as my score has slowly increased throughout the last few months. 

As of today my TransUnion FICO XXXX score is still down XXXX points since XXXX XXXX, XXXX, with no explanation for this. My credit scores have increased with XXXX and XXXX, but not with TransUnion. This drop in my credit score is really aggravating, as I have worked extremely hard to raise my score throughout the last XXXX  years. It feels as if TransUnion is intentionally preventing consumers from elevating their credit scores, ensuring that people like me keep paying higher rates on their loans and mortgages. 

Here are my FICO scores as of XX/XX/XXXX : FICO XXXX - TRANSUNION - XXXX - FROM XXXX XXXX XXXX FICO XXXX- XXXX - XXXX - FROM XXXX XXXX XXXX XXXX FICO XXXX  - XXXX - XXXX - FROM XXXX FICO XXXX XXXX TRANSUNION - XXXX - FROM XXXX  XXXX FICO XXXX XXXX  XXXX - XXXX - FROM XXXX XXXX On XX/XX/XXXX, I had finally attained the " Very Good '' Fico XXXX credit rating, only to have my rating plummet back down to " Good. '' This setback will now prevent me from applying for a new credit card, or a personal loan for my new business, or even purchasing a home. 

At this point I really don't know what to do and am feeling quite frustrated with TransUnion. I have tried to call them several times in the last couple of months, but I can not get through. I am seeking guidance from you on my next step in this matter. 

Thank you very much for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to update my investigations without providing me the information that they're using to verify these accounts. I just find it quite strange that they're able to verify but the other bureaus could not and removed the items as stated per the FCRA.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Product: Debt collection

I received a demand for a medical debt. Debt clearly states XXXX on the document. Representative stated XXXX. When I asked her why it was different she dismissed my statement and told me XXXX even though I am holding a current document from the company. Said document will be added to the file. 

I called to pay the debt due on the document. I am asking for the company to accept the amount requested on the documents they sent. We also would like a paid in full letter. 

Once this company responds to this complaint we will pay the bill in full. We do not feel like being scammed for XXXX more than the amount listed on the documents.
Product: Credit card or prepaid card

XXXX XXXX has made several charges to my card that were not authorized. Any attempts to speak with Barclay is met with a language barrier and is futile to exhaust these resources. 

I'm asking that this matter be handled immediately. 
XX/XX/XXXX : {$28.00} XX/XX/XXXX : {$96.00} XX/XX/XXXX : {$200.00} I made a purchase on XX/XX/XXXX " XXXX '' amd was required by XXXX to pay at the desk. At that time, they recorded my info and have charged me several times after my 3 day stay.
Product: Debt collection

The ex husband committed fraudulent activities on this bank credit card account of XXXX XXXX XXXX XXXX  in XXXX, WA, I had a power of attorney before the ex husband went to jail for his fraudulent criminal activities back in XX/XX/XXXX, I did divorce the ex husband before he went to jail on XX/XX/XXXX but once he was released from jail on XX/XX/XXXX he reopened the divorce case and he wants me to paid his fraudulent activity on XXXX credit card account that has been closed for more then a year now and XXXX send it to collections and now Im getting harassed to pay a debt that wasnt mine to begin with and the credit bureau it was sent to hasnt gotten back to me, so I am not sure if this debt exists or not. I dont know the actual account number for this credit bureau , I dont have no proper information on this credit bureau on a phone number and the name of this credit bureau only , Ive left messages for them to call me back I only know its around {$5100.00} or less. I did get court documents stating I have to pay this fraudulent identity theft debt but I am not sure if its real or exist because the ex husband never provided an account number nor a creditor account number neither and I went today with a witness to the ex husband attorneys office to speak with him about this and the receptionist at this Attorneys office set up an appointment at XXXX XXXX  they failed to come through with this appointment. So now Im being harassed by this attorney and the ex husband and a judge to pay the fraudulent and identity theft credit card debt of XXXX XXXX XXXX  and I went to speak to XXXX and they stated the account is closed and they give me the number to this credit bureau collections Century at XXXX. I need help on this because I dont know how to get in contact to make payment arrangements I dont have the creditors account number of the collections information. On XX/XX/XXXX I was court order to pay this debt.
Product: Debt collection

I paid the full balance that was given to me over the phone with a debit card & thought it was resolved.The rep was satisfied & never told me the correct amt ( I guess ) Many month afterwards I kept getting notices by mail & phone that I owed a {$3500.00} late fee. That turned into the {$330.00} in collections, I spoke to a rep & tried to resolve this & pay the original {$35.00} if they sent me a bill reflecting that amt. 
They agreed to send me one, but I kept receiving a statement for {$330.00}, so I got nowhere & referred the acct to collections. Told them the same story & they have my original pymt on record & they have n't worked with me. {$35.00} turned into {$330.00} Unfairly!!
Product: Credit reporting or other personal consumer reports

My account with NAVY FCU was never late! I have had exceptional payment history with NAVY FCU and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


NAVY FCU Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

My husband and I applied for a refinance on a conventional home mortgage with Wells Fargo Bank in XX/XX/XXXX on a rental property. We have been approved of the refinance. Today marks 8 months since we started this refinancing process. We are financially stable, have multiple income streams, and have 800+ credit scores. We have been a customer of theirs for 20 years, have had a previous mortgage with them and have NEVER missed a payment. However, as of XX/XX/XXXX, Wells Fargo still has not been able to close on our loan due to inefficiencies, delays and egregious mistakes in their process. We have been asked to provide our pay stubs every other month, have lost contact with loan officers, and have been handed off to multiple processors at Wells Fargo. Anytime we have been asked for additional/repeated documentation, we have turned it in in less than 24 hours. We have been asked to provide XXXX and XXXX tax statements repeatedly, which they should have in the file to begin with. No one is able to give us clear answers why they were not able to get the loan closed. We have 9 months worth of email trails of them apologizing and admitting that the delays were solely their fault. Due to the delays, we have been paying $ 700+ more monthly on the old rate. We could've saved $ 5k+ had Wells Fargo done their jobs. We have not been offered any remediation as of today.
Product: Student loan

I have been dealing with a very aggressive third party company called Relient Capital Solutions. The representative I have been talking to is XXXX XXXX. He talks to me like I have committed a crime and repeatedly tries to get me to answer a question multiple different ways simlar to an interogation that seeks to get a confession out of a person. 
I have already owned up to being in default and reached out to them on my own accord to resolve this loan despite the fact that I can not use the class from this school. XXXX University ( in California ) has falsely advertised that they were accredited and I wont be able to use that class towards any degree. However, due to this student loan going to default status around 2008 I have been unable to move forward with my life.