23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had signed up for a home warranty on XX/XX/ which ended up being a scam, I replied to a letter sent to my house regarding my XXXX XXXX  being expired. I paid monthly in the amount of {$310.00} for a total of {$3700.00}. The company cancelled my contract because I stopped paying because after further investigating the company myself and having difficulty actually utilizing the service ( I called for service and got nothing but automated responses ) and disputed the charges with Goldman Sachs as I used my Apple Card to make the payments. In the brochure I was sent from the conpany ( called XXXX XXXX XXXX ) it states if my account was cancelled by the company for any reason ( such as nonpayment ) I was entitled for a refund. The company refused, and Goldman Sachs also found in their favor, even though when I asked for the information they gathered to come to that conclusion they said the merchant did not respond. The merchant, XXXX XXXX XXXX, used a payment processing company called XXXX, which also would no refund me and said I had to go through the merchant. After Goldman Sachs did not find in my favor I disputed the results and again they found in the merchants favor. I contacted the Georgia consumer protection agency and filed a complaint and only then was I a able to get a refund from the merchant in the form of a mailed check. Goldman Sachs only gave me back 4 of the {$310.00} charges, totaling {$1200.00}, the remaining {$2500.00} was sent by check. Also after calling Goldman Sachs to see how they came to that conclusion I was hung up on twice.
Product: Credit reporting or other personal consumer reports

CB Indigo is reporting multiple late payments ( 30, 60, 90, and 120 days past due ) on my credit file for account [ Account XXXX : XXXX ]. The reported balance exceeds my credit limit, suggesting inaccuracies in late fees or interest calculations. Despite submitting a dispute on XX/XX/2024 no validation has been provided.
Product: Credit reporting

A mortgage that was terminated by a Deed-In-Lieu agreement with the credit union is being reported by Experian as a foreclosure. Additionally Experian is reporting that the deed was not received by the creditor until XXXX 2014 when in fact it was received in XXXX. Separately on the same report, Experian is reporting my home address as a commercial address adding a fraud warning about this. Several attempts have been made to have the information be reported correctly, including sending Experian a copy of the Deed-In-Lieu, however Experian refuses to remove the incorrect information.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the multiple attempts I have made to rectify and remove fraudulent items from my credit file, all of which have been met with limited success. Despite providing detailed information and supporting documentation, the fraudulent entries persist, adversely affecting my financial well-being and causing undue stress. 
I have diligently followed the procedures outlined in your dispute resolution process on numerous occasions, submitting the required documentation and clearly outlining the inaccuracies. However, my efforts thus far have been in vain, as the fraudulent entries remain on my credit report. 

Despite my multiple attempts to address the fraudulent items, they have not been adequately investigated and resolved, raising serious questions about the effectiveness of your dispute resolution process. 

The persistence of these fraudulent entries continues to have a detrimental impact on my creditworthiness, hindering my ability to access financial products and services on fair terms. 

The lack of clear and timely communication from your bureau regarding the status and resolution of my disputes has further compounded my frustration and dissatisfaction. 

I hereby request the following actions to be taken urgently : I urge you to conduct a comprehensive and expeditious investigation into the fraudulent items on my credit report, considering all the evidence and documentation I have previously provided. 

Upon confirmation of the inaccuracies, I insist on the immediate removal of the fraudulent items from my credit report to mitigate further damage to my financial standing. 

I expect clear and consistent communication from your bureau, providing updates on the progress of the investigation and the steps being taken to resolve the issues. 
I request that your bureau takes proactive measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity and accuracy of credit reporting. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I will have no choice but to escalate this matter to relevant regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXXXXXX XXXX XXXX was paid in full. Equifax was still recording a balance. So I send them proof of balance paid. Equifax not only increased the balance owed by {$50.00} they closed lowering my credit score by XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention the fact that Experian, one of the three major credit reporting agencies, has posted inaccurate data on my credit report. This misinformation in relation to the 7 Dept of EdXXXX accounts on my report is in violation of my rights under federal law, specifically the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit reporting agencies must ensure that the information they report about consumers is accurate, complete, and up-to-date. However, in my case, Experian has failed to fulfill this obligation by posting inaccurate data on my credit report. 

I have attempted to dispute the inaccuracies with Experian, but their response has been unsatisfactory. I believe that Experian is knowingly and intentionally reporting inaccurate information, which is negatively affecting my creditworthiness and financial standing. 

I am requesting that the CFPB take action against Experian for violating my rights under the FCRA and for the harm that they have caused me. I would also like to request that Experian be required to remove the inaccurate information from my credit report and provide me with a corrected report as soon as possible. 

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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for over a month (!!!! ). I received no email, letter, or phone call and instead had to discover it via social media ( even though they have all of my information ).
Product: Debt collection

Dear Consumer Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX, XXXX, regarding their repeated and harassing behavior toward me. Over the past few months, they have called me over XXXX times. However, every time I attempted to answer, they would immediately hang up, leaving me without any opportunity to resolve the situation or understand the purpose of their calls. 

I repeatedly attempted to inquire about what was going on, but each time I did, they would disconnect the call without providing any explanation. This ongoing harassment has caused me significant stress and frustration. 

To make matters worse, after these incessant and unproductive calls, XXXX XXXX XXXX proceeded to sue me, despite my credit already being in dispute. The account in question had been flagged as potentially linked to the dark web, and I had received a notice that it was used fraudulently by an unknown party. Despite this serious issue, XXXX XXXX XXXX continued their aggressive actions without investigating the validity of the debt. 

This situation has greatly affected my peace of mind, and I feel that their behavior is not only unprofessional but also a violation of fair debt collection practices. I respectfully request your assistance in investigating this matter and holding XXXX XXXX XXXX accountable for their harassment and unjust actions. 

Thank you for your time and attention to this complaint. Please let me know if you require any further information or documentation to assist in your investigation. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Navy Federal is in violation of 15 USC 6802. They are sharing personal information after I have opted-out of personal information sharing. Also the status of the accounts are showing incorrect. They are showing as a " Charge-Off '' which would then have to be reported as income, and income is not the be shown a a consumer report. This account also meets the criteria of what is to be EXCLUDED from a consumer report per 15 USC 1681b.

" ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]
Product: Credit card

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by XXXX certified mail. Any other form of correspondence will be rejected or refused. 

DISCOVER BANK XXXX
Product: Mortgage

XX/XX/XXXX, Ditech Financial LLC submitted to my bank a payment in the amount of {$660.00}. They were only authorized a monthly payment of {$190.00}. As a result, of the {$660.00} submission it overdrew my checking account. Subsequently, another account was affected and XXXX overdraft fees were added to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted requesting the removal of the fraudulent accounts and information off my Credit File. I sent a letter on XX/XX/XXXX, to remove the accounts, inquiries and Personal information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you believe that the dispute items belong to me, please send me the results of your investigation to prove your claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

it has been almost one year I am dealing with Equifax, they refuse to remove fraudulent information from my report. I sent the Police Report also FTC report, but they don't remove them.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting or other personal consumer reports

I am filing this complaint regarding inaccurate bankruptcy information appearing on my credit report. Specifically, the following XXXX bankruptcy entries are being reported : Date Filed : XX/XX/XXXX Reference Number : XXXX Court : XXXX XXXX XXXX XXXX XXXX Case Number : XXXX Date Filed : XX/XX/XXXX Reference Number : XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX Case Number : XXXX These entries do not belong to me. Both entries are inaccurate and appear to reference the same case, yet they are reported as XXXX separate bankruptcies. This error is negatively impacting my credit score and overall financial standing. 

Previous Disputes : I have disputed this information with the credit bureaus on XXXX prior occasions, most recently in XX/XX/XXXX. Despite providing evidence that these entries do not belong to me, no resolution has been provided. 

Background : As a victim of the Equifax data breach, I am deeply concerned about the integrity of my personal information. Attached is confirmation of my status as a victim of the Equifax data breach to underscore the need for accurate reporting. 

Legal Grounds for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Reporting bankruptcies that do not belong to me and listing a duplicate entry are clear violations of this law. 

Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the court emphasized the obligation of credit reporting agencies to conduct a reasonable investigation into disputed information. This obligation has not been met despite my prior disputes.
Product: Credit card or prepaid card

I cut up my Citibank card late last year. I have received no bills for XXXX months. Recently, I received several emails telling me that my account was past due, and a minimum payment was required. I telephoned several times and sent three letters to Citibank customer service, seeking a copy of my bill and what charges they claimed had been made. I was told that they had sent bills, and could not email me a bill, in spite of the fact that they emailed me notices. Further, I was told that the only way to get a copy of my bill if mail was not working, would be to sign up online. But, I needed a credit card number to sign up online ; which of course they would not give me. So, catch XXXX. I " sure they are adding interest and penalties to a charge or charges that I didn't make, but they are preventing me from getting the information to figure out what has happened. My phone calls have not been successful, my three letters have not generated a response, and emails have not been accepted. I am at a loss to know how to proceed. I simply want to know if there are any legitimate amounts owed, and close this account. Citi seems to be avoiding giving me the information needed, presumably to XXXX up fees. I would love to attach documents to my complaint, but Citi won't provide any.
Product: Bank account or service

I experienced a problem with my personal bank sending an amount of money, through bill pay, to my Bank of America debit card account. My personal bank said the Bank of America bill pay address was not correct and the check meant for Bank of America was returned to my personal bank and marked undeliverable by the USPS. I called Bank of America to find out if they had changed their address so I could give any new address for Bank of America to my personal bank. I was told, by the Bank of America automated voice that I had to wait THREE HOURS on the phone for a customer associate to help me. OR, Bank of America would call me back in THREE HOURS. This is a ridiculous amount of time for me to wait to speak to a bank that has my money and has loads of its own money. I do n't want them to call me back in three hours. I could be anywhere by then and not in the position to discuss sensitive banking information. That is the nature of this complaint : the amount of time Bank of America says I have to wait for help.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX are all reporting a collection, originating from XXXX I guess, on my credit file. 
I filed an FTC Identity Theft, report number XXXX, & sent it in, along with this cover letter, * SEE ATTACHED FOR ALL*, stating that it was identity theft & to please delete it from my credit report along with copies of my passport and my social security card on the XXXX of XX/XX/year> & mailed it to all XXXX bureaus, Experian XXXX XXXX XXXX XXXX it came back verified I called again & spoke to XXXX and then XXXX XXXX received a Case Number XXXX asked to speak to a supervisor that I wanted to escalate the matter, I was told I would receive a call back in XXXX days, I never did. 
XXXX XXXX Experian are still in process? or? Im not sure but I havent heard anything yet I want this derogatory information removed from my report as it hurts my chances of obtaining credit, housing and employment
Product: Vehicle loan or lease

I have sent over requests for validation, that come back as verified, that have not followed 15 U.S. Code 1692g. Most recently, I sent over my final request, which asked for a notarized account ledger, which was received on XX/XX/2023, by at XXXXXXXX XXXX, and I have yet to receive any correspondence back from them with the requested information, which states that it is not a refusal to pay, but a validation of the debt is needed to go forward.Due to the fraud that has occurred, at the expense of the illegal disclosure of my information, I am checking all accounts for their validity. I have also disclosure in the up-to-date notarized letter that they shall receive, that I have not given authorization to provide my information with a 3rd party, as that is a direct violation of my privacy. 

Codes 15 USC 1692 ( f ) and 15 USC 6802 ( b ) should be consulted.
Product: Checking or savings account

On XX/XX/XXXX, we mailed a check for {$9700.00}, drawn on our Chase Bank account, to NYS Income Tax. On XX/XX/XXXX, the check was posted to our account. On XX/XX/XXXX, we received a call from XXXX  XXXX XXXX ( XXXX ) that an unauthorized endorser, XXXX XXXX XXXX, had deposited the check, through, an ATM, in his XXXX account. The caller asked if they should stop payment on the check. We said they should. They didn't. The same day, we called Chase to initiate a complaint. They said they'd send the forms we'd need to fill out. The forms never arrived. On XX/XX/XXXX, we filed a complaint with our local Chase Bank Officer. We have regularly followed up with Chase on the progress of our complaint but there has been no disposition. Chase maintains that XXXX, as the bank that accepted the check, is responsible for repayment. We have copies of the check front and back. Chase deducted the funds from our account without checking the depositors endorsement or the identity of the depository bank. Given the blatantly erroneous unauthorized endorsement and the fact that JPMorgan is the depository bank for NYS tax payments, we do not accept Chases derogation of responsibility. We have asked them to reverse the payout and restore the funds to our account. Side note : We have had to send a second check to NYS Income Taxes. Because this second check was sent after XX/XX/XXXX, we were charged interest and a late fee.