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

To my surprise, I discovered incorrect accounts listed on my credit report this morning, and I cant understand why. I routinely check my credit report, but this time there were discrepancies that appeared out of nowhere. I even refreshed the browser, hoping it was just a glitch, but the errors remained. I'm asking that the documents Ive submitted be carefully reviewed so I can have peace of mind that this wont happen again.
Product: Credit card

I applied for the XXXX XXXX XXXX American Express card on XX/XX/year> based on a promotional offer that included a {$400.00} statement credit after making a XXXX purchase within the first XXXX months of card membership. The terms also stated that I could earn XXXX bonus XXXX by spending {$3000.00} in the first XXXX months. 

After receiving the card, I made a {$410.00} purchase with XXXX XXXX on XX/XX/year> within the promotional period. However, when I contacted American Express on XX/XX/year> regarding the {$400.00} statement credit, I was informed that the offer does not exist. 

I have attached a screenshot of the promotion that clearly outlines the terms, which I met in full. There was no indication in the terms that the {$400.00} statement credit was contingent upon first meeting the {$3000.00} spending requirement for the XXXX XXXX bonus. 

I have contacted American Express for clarification, but my concerns have not been resolved. This situation feels misleading and unfair, as I applied for the card and made financial decisions based on this promotional offer.
Product: Credit reporting or other personal consumer reports

am writing to formally file a complaint regarding inaccurate information appearing on my credit report regarding the XXXX XXXX account. The errors in question are negatively affecting my credit standing, and I request an immediate investigation and correction. Late Payment Reporting : My credit report from TransUnion and XXXX indicates a XXXX late payment in XX/XX/XXXX, which is inaccurate. I have made timely payments, and this mark should be corrected. Dispute Status Inconsistencies : My reports suggest the dispute was resolved and reported by the grantor, but I was not properly notified or provided evidence of the resolution. Account Information Discrepancies : The reported balances, payment status, and account details are inconsistent between credit bureaus and require clarification. TransUnion Account # : XXXX High Balance : {$300.00} Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$29.00} Account Status : Open, Current Payment History : Incorrect late payment in XX/XX/XXXX XXXX Account # : XXXX High Balance : {$300.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$29.00} Account Status : Open, Current Payment History : Incorrect late payment in XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I request that XXXX XXXXXXXX and the credit reporting agencies provide documented verification of this late payment. If they can not substantiate it, I request its immediate removal from my report to reflect a positive payment history. A copy of my credit reports ( highlighting errors ) is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

never sent results of investigation, and took longer than 30 days as I never got a response! Yet the bad information remains. multiple letters and i've only attached XXXX. 
in regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX, we contacted the Equifax Commercial Disclosures Department ( or " Equifax '' ) and filed a formal dispute to correct the dates that our 3 active XXXX XXXX service accounts were opened. We specifically informed Equifax that the correct opening date for all 3 XXXX XXXX service accounts should be XX/XX/XXXX and that XXXX XXXX is reporting inaccurate account opening dates on our credit report. Equifax attempted to contact XXXX XXXX but did not receive a response from XXXX. Accordingly, the inaccurate date opening dates XXXX XXXX is reporting on our Equifax credit report is deemed " unverified '' or invalid under the Fair Credit Report Act and must be corrected by Equifax immediately. However, on XX/XX/XXXX when our Attorney emailed Equifax and informed Equifax of their duties under the Fair Credit Report Act to immediately correct the inaccurate XXXX XXXX account opening dates on our credit report, Equifax did not respond back to our Attorney 's email and, to date, Equifax also has not corrected the inaccurate account opening dates on our credit report for our XXXX XXXX service accounts.
Product: Credit reporting

I investigated the negative items on my reports that were not mine and I have not receive any proof of the proper actions taken. My accounts were not properly investigated. Experian failed to abide by Section XXXX, XXXX, and XXXX
Product: Credit reporting

Experian has hurt my credit report and threatened to further affect my credit in order to apply pressure as part of an employment-related dispute. 


The brief history of the situation is as follows:1. On XXXX XXXX, XXXX, a driver who had taken me to the airport incorrectly charged {$1100.00} instead of {$110.00} to my XXXX XXXX card. 

2. From XXXX XXXX, XXXX through XXXX XXXX, XXXX, I conducted numerous calls with XXXX XXXX ultimately resulting in the case being assigned to a team investigating major frauds. 

3. In XXXX of XXXX, I paid the full {$1100.00} charge. 

4. Experian and XXXX XXXX accounts completed an investigation including a detailed reconciliation of my expenses. This determined that Experian incorrectly allocated a personal item to corporate expenses. XXXX XXXX with XXXX XXXX and XXXX XXXX of Experian agreed to change the allocation. 

5. On XXXX XXXX, XXXX, XXXX XXXX, with XXXX XXXX, stated, " We audited the monthly statements for XXXX XXXX and the dispute has been fully reconciled. In the end, his charge for the limo service was {$110.00}. " 6. On XXXX XXXX, XXXX, XXXX XXXX confirmed they would send a credit balance refund check in the amount of {$990.00} to me. That ultimately did occur. 

7. In XXXX, XXXX XXXX representatives began calling and claimed that due to an internal investigation, Experian had changed its position and demanded payment of the {$1100.00}. The matter was referred by XXXX XXXX to collection services. Threats were made about my credit, and now a negative entry was placed on my credit record ( a hard inquiry by XXXX XXXX XXXX on XXXX/XXXX/XXXX XXXX. 

Experian and XXXX XXXX determined that the {$1100.00} charge was an error, and reimbursed me. The only thing that has happened since that time is that Experian, my now former employer, has started litigation against me regarding post-employment covenants. A former employer should not be allowed to use my credit score as a weapon in connection with a matter that has previously been resolved in my favor by Experian and by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am So fed up with this company this is the THIRD time that I've had to submit my information because they claim they can not verify my identity with my documents which makes absolutely no send because I have sent legible government identification. Please complete my request thank you. By the way please do not put a phone number if you never answer nor call back any one, that's very frustrating.
Product: Bank account or service

I deposited a {$1900.00} check and was told it would clear by Tuesday. I was unsure whether or not the check would clear so I went to the Wells Fargo branch and specifically asked if that check had cleared the account and was cashed into mine. Wells Fargo confirmed that the money was not just available, but the check had been processed and went through. Confirming that it was not a bad check, or so I thought. Based off of this information I took out {$1200.00}. The next day I receive a notice that the check did not go through! The {$1200.00} was non-refundable so I am now out {$1200.00}. I called Wells Fargo and asked that they make amends for their error and credit my account but they refused. So now I am turning to the CFPB to see if I can get my {$1200.00} back because I would not have taken the money out unless Wells Fargo told me definitively that the {$1900.00} check cleared the senders account and was now in my account.
Product: Vehicle loan or lease

I have several auto leases with American Honda Finance, I have always paid this on time. After the return of the vehicle XXXX XXXX which was returned XX/XX/18 the account was closed out paid in full. I did get a bill for mileage overage which is a separate agreement from the lease - with separate payments and therefore should not be reported under the lease account!
Product: Debt collection

XXXX bank is deliberately, fragrantly, an unlawfully reporting fraudulent information on my credit report. I've provided numerous letters as well as an FTC report as proof to the fraudulent account, yet they continue to report the fraud. Originally, Experian deleted the account from my profile but later added it back on. I'm beyond frustrated with these bully tactics and need help rectifying this situation ASAP. I honestly feeI as if XXXX and Experian are conspiring against me. I asked them to send documentation bearing my signature. Instead, I received an unmerited validation letter stating they had proof the account was mine. The proof was a credit card statement that I've never seen in my life. I'm at my wits end and desperately need assistance with this unforeseen and unavoidable nightmare. I've contacted you before in regards to this matter and I'm expecting you to hold them accountable this time. This ordeal has dragged along long enough and enough is enough! I demand resolution! Protect my consumer rights like you swore to do!
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 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 : lt 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

When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To Whom It May Concern : I am sending this letter to you in response to a notice I received from you.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with the competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe.

Provide a verification or copy of any judgment if applicable.

Identify the original creditor.

Prove the statute of Limitations has not expired on this account.

Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent Original Purchase Agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors and XXXX  already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX   XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Checking or savings account

They charged {$35.00} overdraft fees when account balance was showing money was available at the time of withdrawal
Product: Debt collection

This account is not mine I have never attended or enrolled with XXXX XXXX. I have supplied them a copy of the incorrect information on my credit bureau. Showing XXXX XXXX XXXX XXXX hired by XXXX XXXX. There is also an account number showing on the report. XXXX XXXX can contact Ability Recover and find out the name and social security number associated with the account in collection. I have provided XXXX XXXX with the last XXXX digit of my social XXXX. I do not feel comfortable providing them with copy of my Social Security Card. They have stated in email they have no student record matching my name and address. But still have made no effort to remove incorrect information from my credit Bureau ( XXXX ). I would lie this removed immediately and XXXX XXXX needs to be fined/reprimanded for their poor business practices.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Account Information and Request for Removal XXXX  XXXX This is my XXXX request to have this issue resolved I am writing to formally dispute the inaccurate reporting of my account with XXXX XXXX on my credit report. Upon reviewing the account information, I identified several discrepancies that violate my rights under the Fair Credit Reporting Act ( FCRA ). I request that this account be removed immediately due to these reporting errors. 

Inaccuracies in Account Reporting : Prolonged Charge-Off Reporting : The account reflects a charge-off starting in XX/XX/XXXX and continuing until XX/XX/XXXX. A charge-off is a one-time event, and continuing to report this status for multiple months is inaccurate and misleading. According to the FCRA ( 15 U.S.C. 1681s-2 ), credit information must be accurate, and this misrepresentation violates that requirement.

Failure to Update After Charge-Off : The account shows a past-due balance of {$300.00} even though it has been charged off since XX/XX/XXXX. Under the FCRA ( 15 U.S.C. 1681c ( a ) ), the credit reporting agency must update account statuses to accurately reflect the account 's current status, including whether the debt has been paid, settled, or sold. This failure to update the account status causes confusion and misrepresents the status of my debt. 

Overlapping Past-Due and Charge-Off Reporting : The account reflects XXXX, XXXX, and XXXX past-due statuses in XXXX prior to the charge-off. However, after the charge-off, it continues to report as both past due and charged off, which results in duplicated negative information. This could unfairly harm my credit score, as past-due statuses should not continue after a charge-off has been reported. The FCRA ( 15 U.S.C. 1681i ) requires credit bureaus to ensure accurate reporting, and this overlap is both misleading and incorrect. 

Failure to Resolve Dispute : This account is marked as " under dispute, '' but the discrepancies mentioned above have not been addressed. Under the FCRA ( 15 U.S.C. 1681i ), if a consumer disputes information on their credit report, the credit bureau must investigate and correct any errors. If the information is unverifiable, it must be removed from the report. The continued reporting of incorrect information violates these standards. 

Request for Removal : Given the reporting inaccuracies outlined above, I am requesting the immediate removal of this account from my credit report. The continued reporting of incorrect, misleading, and outdated information has caused undue stress and negatively impacted my financial health. If the account information can not be verified as accurate, it must be deleted, as required under FCRA ( 15 U.S.C. 1681i ( a ) ).
Product: Credit card

Hello, I am trying to resolve an issue with a charge from XXXX XXXX in the amount of {$990.00} for services not as described, details enclosed for your review. 

ThanksXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous despite the multiple previous written requests. The XXXX credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has preappoved me for loans that after I apply, I dont qualify for leaving me with a hard inquiry and no loan.
Product: Money transfer, virtual currency, or money service

They keep closing my account for me exchanging money with friends
Product: Debt collection

I spoke to the manager at the property, XXXX XXXX and asked her to send me a detail copy of the supposedly bill I owed and as of today 's date. I have not received any information. As you look into my credit history I pay my debt in full if it's owed and know that this is not the case for me in this situation. I feel this individual is trying to collect money that is not merited. I asked her what was the debt for and she stated it was for the apartment being left uncleaned, which is highly unlikely for me as I am XXXX. 

So, can you please look into this matter, so it can be resolved and my credit score can be restored. If I get proof I owe the bill then, I will take care of my responsibility, however, I refuse to go around giving out money to people. 

Finally, I will need my account secured with some measure of security as someone has stolen my information and is looking into my credit info. 

I thank you for your attention to this matter. 

XXXX XXXX
Product: Credit card or prepaid card

The bank had blocked and hold funds in my account after balance transfer was processed. I have contacted them several times but there is no action taken. Thay have blocked my funds and hold it since XX/XX/23
Product: Debt collection

These companies has called my phone line excessively all week and weekend long even on Sunday morning before XXXX XXXX. Theyve called my sister.

XX/XX/2024 XXXX, XXXX,XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is everyday pattern all day XXXX XXXX XXXX
Product: Debt collection

XXXX - checked my credit reported and noticed a debt that doesn't belong to me. 
XXXX - sent a debt validation letter to Collection Bureau of Ft. Walton Beach Inc regarding this debt that's reporting on my credit report XXXX - Collection Bureau of Ft Walton Beach Inc sent me a letter asking for medical release authorization. To my knowledge, a collection agency isn't supposed to have your medical records as well as I'm not obligated to provide medical release forms to the collection agency. 

Please help getting this debt removed from my credit report if the company can not provide me with viable information that this debt truly belongs to me.
Product: Credit card

My California Middle Class Tax Refund prepaid debit Visa card was fraudulently used on XX/XX/2023 for XXXX separate transactions in the following amounts : {$10.00}, {$15.00}, {$15.00}, {$20.00}, and {$29.00} for a total of {$89.00}. When I discovered the fraudulent charges to my prepaid card on XX/XX/2023, I contacted Money Network immediately to make a claim. I was sent a new card and selected a new pin number. I was told that the charges looked like prepaid phone charges made by XXXX XXXX XXXX  located in XXXX XXXX XXXX. I informed the customer service representative at Money Network that I did not make the above listed transactions and that I did not know a XXXX XXXX XXXX. I was told by the customer service representative that a dispute for the charges would be filed. Since XX/XX/2023, I have repeatedly contacted Money Network only to be told different information each time I speak to a customer service representative. I have also been told that my claims were denied because there was a lack of information. I dont have access to any additional information other the information that I have provided above. Network has failed to provide any proof that the fraudulent charges were charged by me and they have not responded to my written requests disputing the denial of my claims for a total of {$89.00}. I need help trying to get refunded for the {$89.00} that was fraudulently spent from my tax refund card and so I am making a complaint here since I cant get any response from Money Network.