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

I disputed incorrect information contained in my credit report in a letter dated XX/XX/2024 ( please see enclosed copy ). I understand that, under the Fair Credit Reporting Act ( FCRA ), I am entitled to timely response from your bureau. Please take notice that I must receive a corrected copy of my credit report with the changes I have outlined within five ( 5 ) business days from receipt of this letter, or I will be forced to take legal actions under the FCRA, seeking damages for loss of credit and for the mental anguish your bureau has caused me. Because of your violation of the FCRA 's time frame on such timely responses, it is safe to believe that the information I have disputed has been corrected and all negative data have been removed from my credit report. I have also attached an invoice for the violations your company committed by continuing to report this account. Payment is to be remitted to the address on the invoice.
Product: Debt collection

Hi, on Tuesday XXXX I looked at my bank account that I have with my wife and it showed that they had a legal hold on my checking and savings account for XXXX dollars. I called the bank and the bank told me that XXXX, XXXX, & XXXX XXXX XXXX had a legal judgement in the state of Virginia and it had requested funds. XXXX, XXXX, XXXX XXXX XXXX XXXX filled this thru a court in VA and i do not live in the state of VA I live in Florida. I tried calling XXXX, XXXX, XXXX XXXX XXXX XXXX and letting them know that it was illegal to what they did and that i had not receivied any documentation from them and the paralegal hung up the phone on me twice and said he did not care. I then reached out to legal department of bank of America and they said the same thing that i had to contact XXXX, XXXX, & XXXX XXXX XXXX and that they didn't care what state I lived in. At that moment I told them this is the same reason why Bank of America had to pay XXXX XXXX back in XXXX of XXXX for illegal garnishments and the guy laughed and hung up the phone. 

XXXX  D.C. The Consumer Financial Protection Bureau ( CFPB ) finalized an enforcement action against Bank of America for processing illegal, out-of-state garnishment orders against its customers bank accounts. Bank of America unlawfully froze customer accounts, charged garnishment fees, garnished funds, and sent payments to creditors based on out-of-state garnishment court orders that should have been processed under the laws and protections of the states where the consumers lived. Bank of America also violated the law by inserting unfair and unenforceable language into customer contracts that purported to limit customers rights to challenge garnishments. The CFPBs order requires Bank of America to refund or cancel imposed fees from unlawful garnishments, review and reform its system for processing garnishments, and pay a {$10.00} XXXX civil penalty. 

Bank of America imposed unlawful garnishment fees and injured its customers by inserting unenforceable clauses into contracts in an attempt to strip legal rights from families, said XXXX XXXX. The CFPB is ordering Bank of America to fix its systems, clean up its contracts, and make its victims whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express XXXX Open Date XX/XX/2014 Balance {$7000.00} As a client, I have legal rights that are provided to me to safeguard me through misinformation being reported on the credit report. At this point, I would like to produce a final petition for examination before I seek the advice of my attorney for advice on how to handle inaccurate and unverifiable issues that are continuing to be demonstrated as valid. You need to give me a copy of the agreement agreed upon or voice conversation where I certified billing me on this particular account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Hard Inquiries on my report on XX/XX/2021. I do not recognize this and find it to be inaccurate. Removal of this unauthorized Hard Inquiry
Product: Debt collection

Hi In XXXX I transfer with my job from XXXX XXXX to XXXX  and then transfer back to XXXX XXXX in XXXX. I was receiving letters about a debt and dates to go to court for {$27000.00} under a business I opened up name XXXX XXXX XXXX so in XXXX it went on my credit with XXXX. I contacted the debt collector which is consolidated recovery credit and I asked them to send me over what contract they have and it was a contract of liability which means if a business has a balance that is owed to XXXX  they would go after the person other than the business. I asked members of my family about it and I was told they dont know anything. But I looked over the contract and notice that the dates that the application was filled out and filed, I just moved to XXXX  and so someone gave themXXXX XXXX  my social security number and address but they also gave them their personal email and phone number that I do not recognize and I informed both the creditor and collection agency and they refuse to investigate the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing my credit file with XXXX, XXXX and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, previous account + collection account reporting derogatory, Re-Aged accounts, Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, Equifax reports {$0.00} HighBalance on all my revolving accounts. XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I checked my credit report and I see from Midland credit management you are reporting a debt of {$660.00} for a product that I supposedly acquired with XXXX XXXX I have never had and do not have any product with XXXX XXXX and it is affecting my good credit report
Product: Mortgage

I began financial hardship and contacted my mortgage Co. For help about XX/XX/2020. 
They directed me toward loss Mitigation division. They required XXXX documents, pay stubs, bank statements, tax info, etc. I would mail off the documents, wait a while and call to confirm they received them. They would then tell me to call back in 2 weeks. Then they would tell me they needed more check stubs or bank statements for specific dates or time spans. Then tell me to call back in 2 weeks. 

This went on for a year and a half during COVID-19. Even after I informed them my hardship had ended. 

Then they put me up for sheriff sale and sold the mortgage to another company. This new company has been difficult to communicate with. 

I feel the first company caused the problem with their COVID-19 policies then just passed me off to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 States I have the right to privacy.

In a 15 USC 1681 SECTION 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account nor open end consumer ate focredit plan as lr any purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX MTG Date of inquiry : XX/XX/XXXX Delete this account.
Product: Checking or savings account

On XX/XX/XXXX, I reported XXXX unauthorized transactions to SOFI Bank. The claim was denied on XX/XX/XXXX for the reason of a XXXX transaction from the same merchant existed and No NSF was found. 

I contacted the bank and informed them that the XXXX transaction was unauthorized as well and that they should update the claim to include it. I also noted there was an NSF on XX/XX/XXXX. The bank required me to submit documentation to appeal their findings. I sent an email requesting that they update the claim to include the XXXX unauthorized transaction, as the only document I could think of providing. I also informed them that I spoke to the merchant, and the charges were not part of an account owned by me or my co-owner. The bank did not acknowledge this statement. 

To date, there is no evidence the bank updated the claim, as they keep sending me the same reason to denying the claim, with no new information, which is the XXXX transaction shows I had a history with the merchant. 
Per the XX/XX/XXXX CFPB FAQ article, page XXXX ( attached ), " The investigation must be reasonable, including a reasonable review of relevant information within the financial institutions own records. The Bureau found that a financial institution did not conduct a reasonable investigation when it summarily denied error disputes if consumers had prior transactions with the same merchant, and the financial institution did not consider other relevant information such as the consumers assertion that the EFT was unauthorized or for an incorrect amount. 

The bank clearly did not consider other relevant information such as the consumers assertion that the EFT was unauthorized, thus violating Regulation E. I have brought this to the bank 's attention and they have willfully ignored this.
Product: Credit reporting or other personal consumer reports

There are a number of inquiries that were placed on my credit report without my consent. The bureaus have indirectly verified these inquiries as accurate and verified by pl ; acing them on my report ; however I never gave them any permission to give my information away to any of the companies attached on the dates stated. So that being said I need these errors corrected straight away.
Product: Credit reporting or other personal consumer reports

Please be advised that this is my ONE OF MY NUMEROUS REQUEST for you to remove incorrect and inaccurate information from my personal credit report. I received no response to my most recent complaint dated XX/XX/2023. It is my understanding of the law that you must complete any request for reinvestigation within a thirty day time frame. It has been well over 30 days! I have included a copy of my original letter for your records as well as mine and also I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. Please take immediate action to rectify these issues. The following information needs to be investigated as soon as possible : XXXX XXXX XXXX
Product: Debt collection

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX, this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.
Product: Credit reporting or other personal consumer reports

XXXX  XX/XX/XXXX is being reported as a late payment. However, it was not late. 
XXXX XXXX  XX/XX/XXXX is being reported as a late payment. However, it was not late. 

I have sent the credit bureau XXXX separate letters over the last XXXX  days. I requested statements showing a late payment. To this date the error has not been removed from my report. Nor have I received the requested statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits.

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.
Product: Credit card or prepaid card

On XX/XX/XXXX I found out by checking my account that Discover Card had replaced a {$4000.00} charge back on my card which had been disputed. They initially gave me a credit for the {$4000.00} in XXXX and I heard nothing more. When questioned, they said it went to arbitration and was found to be valid. They didn't see where I had provided any documents. I had no idea it went to arbitration. 

I did upload the limited documents I had ( maybe a web page issue ), since the merchant had closed the portal showing my messages when I attempted to copy them for the credit card company. Discover Card never contacted me about documents, knowing full well that for a {$4000.00} dispute, I would have uploaded what documented I had. 

I explained this on XX/XX/XXXX, but Discover Card refused to reopen the investigation. Therefore, I have this huge credit utilization increase without any warning and an arbitration I knew nothing about.
Product: Debt collection

I am resubmitting complaint against Lien Enforcement. Inc ( follow up to submission XXXX as I have clear and to the point proof that the car was as I said, NOT under my name and had been transferred as of XXXX XXXX 2015, as release of liability and title was transferred over. This document is solid proof, and before I raise this to legal grounds, you immediately remove me and anyone else from your fraudulent " list '' of " owners, ''
Product: Debt collection

Im a victim of

identity theft and I dont recognize one or more of the accounts on my report. I have notified this creditor of the inaccuracy and they have not ceased reporting this information. CONVERGENT OUTSOURCING, INC. has account
s assigned under my name on XX/XX/2020 and XX/XX/2020. Before this occurred, a fraud alert was placed on my accounts by all three credit bureaus. I have since been unable to stop the collection agency from reporting this misinformation to the credit bureaus and harshly affecting my credit profile.
Product: Debt collection

The caller identified herself as XXXX XXXX and said the call was an attempt to collect a debt. Since it was a recorded call I could not get someone to take us off their list. All my credit is current and I have no debt owed that is not current. The phone number these people are using is XXXX.
Product: Credit card or prepaid card

HSBC IS APPLYING CREDITS FROM MY ACTIVE CARD TO A CLOSED ACCOUNT. THEY FIRST OF ALL CHARGED ME {$79.00} ON TWO DIFFERENT INSTANCES OF {$39.00}, ONCE ON XXXXAND AGAIN ON XX/XX/20. I ASKED THEM TO APPLY TO APPLY TO AS A CREDIT ON THE ACTIVE CARD THAT ENDS IN XXXX. INSTEAD THEY APPLIED TO ACCOUNT THAT IS CLOSED THAT ENDS IN XXXX, I WANT THE {$79.00} APPLIED ON NEW CARD ( XXXX ) AS A CREDIT OR SEND ME A CHECK
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  This inquiry was performed under false pretenses as described in the clear langua ge of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is  greater. ''
Product: Payday loan, title loan, or personal loan

Hello, I have a dispute with Upgrade.com regarding a pre authorization I made for a furniture order with XXXX XXXX. The pre authorized charge was for {$1400.00} on XX/XX/. I canceled that order with XXXX XXXX inXX/XX/XXXXas they were unable to deliver my order in an acceptable period of time. I expected the pending charges on my Upgrade card to disappear once 30 days had expired ( as Upgrade had advised on several previous calls ). After 30 days, and to this date, the pending charge is still on my account. Further, my current balance on my Upgrade.com account is far higher than it should be, which I believe the pending charge is included, meaning i'm being charged for a charge that should not be there. Below is my summation of the activity to resolve this to date. 

The steps I have taken include, reaching out to the retailer ( XXXX XXXX ) onXX/XX/XXXXfor them to contact Upgrade to release the pending charge, per Upgrades request. XXXX informed me that their internal policy does not allow them to contact a bank on my behalf to resolve issues. However, they did provide me a document via E-mail with the information stating the reference # and the representatives information so that I could send it to Upgrade to resolve the issue. I then sent that document to XXXX XXXX over the course of two months but have not received any response nor has Upgrade confirmed receipt. On two separate occasions I've called to check the status of the dispute, the dispute department had no understanding of the issue and informed me I had no pending charges, which is incorrect. When I was transferred back to customer service, they confirmed that there is a pending charge that the disputes department did not have access to. The representative then told me that it DOES appear that the pending charge is applied to my balance and is reflected in my balance and minimum payment requirement. She went on to say that she would transfer me to the business department who would try to assist further but I just ended up on hold for close to an hour with no one checking or telling me that I would be helped. 

I have attempted numerous times to resolve this directly with Upgrade.com via their disputes department and customer service without resolution and usually ending in a dead end call where i wait on hold for 30 minutes to an hour with no one checking to see if I'm still on hold. 

Additionally, on this final attempt to reach out to Upgrade to resolve this issue on XX/XX/ the representative went so far as to ask me for my personal bank account # to confirm my identity, which I refused, but did offer the last 4 digits as well as the last 4 of my SSN #, mailing address, phone number, name and any other info they asked for. The representative spoke to supervisor who allowed her to continue, but I believe it is unacceptable to ask me for my personal bank # number.
Product: Credit card or prepaid card

I bought a product advertised as a small folding bike from a XXXX company called " XXXX '' on XX/XX/2019 for {$89.00}. They never sent me this advertised bike, but sent me a pair of socks. I contacted Capital One about this clear and obvious fraud. They initially refunded me my money, but then, after the fraudulent company sent me XXXX pages of documents, put the charge back on to my account. I called them several times about this. Their agents said that I needed to send them a letter, which I duly did, at my expense. I never heard back from Capital One! I am contacting you as I don't think it's right that I have been charged for a product that I did not receive. I also do not think my treatment from my credit card company has been satisfactory. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third bank has improperly reported on my credit report a late payment. I have tried with them and through the XXXX  to get them to reverse it and they refuse. I contacted them the day my business was mandated closed by our state and had numerous phone calls and emails with numerous staff and not once was I told that I had to call any other person or number to note that my small credit card also needed stopped. My mortgage, business line of credit, and bank accounts all were stopped vis the branch manager and the staff I called or emailed and I had no idea I had to contact yet another number for the small crest card I have with them. The CARES Act notes that once you contact them they should stop all reporting. Fifth Third did not specify that multiple parts of their company needed to be contacted. The branch manager even tried to help me with this because it is absurd considering the volume of communications and problems I have had to try to survive through this. I contacted them even before any COVID processes were in place and then almost daily for weeks with the issues I had. As a small business owner trying to survive, this has hurt my credit report SO much. The payment was only {$35.00} and I have almost all of may accounts with them Not only did they not tell me to call another area for this, I never did not have {$35.00} to cover this. This is sheer harassment and unethical in such a time.
Product: Credit card or prepaid card

I purchased a sofa from XXXX XXXX XXXX on XX/XX/XXXX for {$1900.00}. The company told me it would take 18 weeks to receive my sofa. I received many emails alerting me later and later delivery dates, the last communication saying it would be XX/XX/XXXX. They even sent photos of my finished sofa ready to ship from XXXX. Then in XXXX I was told the furniture company went Bankrupt. I sent receipt and all communication to my Citibank Credit Card dispute department and was denied reimbursement saying the purchase was made too long ago.