23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022 I have send letters disputing my credit report through XXXX, XXXX and TransUnion with my driver license, social security card and utility bills as attachments. The only letter I received from then is a letter asking me for additional info ( social security card, Driver license, and utility bill ) which has been sent every time I send a new dispute letters, They are playing around, and waist my time. 
I asked them to provide information regarding your method of validation, as well as who and how the account dispute was reported as accurate, then you should delete it. 
They have ignore my request.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the persistent difficulties I have encountered in attempting to remove fraudulent items from my credit report. Despite numerous attempts to address this matter, the inaccuracies persist, posing a significant threat to my financial well-being and causing substantial distress. I have attached my supporting documents including my Driver 's License and Social Security Number.

These fraudulent items are severely impacting your credit score and causing financial distress, providing specific examples if applicable. 

Under the Fair Credit Reporting Act ( FCRA ) it is the obligation of Credit Bureaus to conduct a fair and thorough investigation into disputed information. 
I am requesting for your assisstance to resove this issue promptly, and to work with the relevant credit reporting agencies to address the persistent inaccuracies related to the fraudulent items. 

I am deeply troubled by the continued presence of fraudulent items on my credit report, despite my numerous attempts to rectify the situation. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to promptly remove these inaccuracies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX  {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$8800.00} XXXX XXXX XXXX XXXX  {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$100.00} 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

I am writing to file a formal complaint against your organization for the persistent failure to remove inaccurate items from my credit report. Despite numerous attempts to address and rectify these errors, my credit report continues to contain information that is materially inaccurate and damaging to my financial well-being. 

I have diligently followed the dispute resolution procedures outlined by your agency, providing extensive documentation and evidence supporting my claims of inaccuracies. Nevertheless, your organization 's repeated failures to correct these errors are causing significant harm to my creditworthiness and financial stability. 

It is essential to highlight that the Fair Credit Reporting Act ( FCRA ) places a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies like yours are required to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my persistent efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate items on my credit report : Difficulty obtaining credit or loans at favorable terms. 
Higher interest rates on existing credit accounts. 
Substantial harm to my creditworthiness and financial opportunities. 
I hereby formally request that your organization takes immediate and decisive action to investigate and correct the inaccuracies on my credit report. If it is determined that these items are indeed inaccurate or incomplete, I insist on the following actions : Prompt correction of my credit report to accurately reflect my financial history and creditworthiness. 
Removal of any derogatory or inaccurate information from my credit report. 
Provision of written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other relevant materials. I trust that this information will expedite your investigation and lead to the swift resolution of this issue. Kindly assist me to delete the following fraudulent items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

$ XXXX money transfer ( ACH ) was meant to be sent to my own XXXX account, however, it was incorrectly sent to someone else 's XXXX account on XX/XX/year>. I found out on XX/XX/XXXX and called BOA. I also went to BOA 's local branch to ask them if they could fix the error and recover the funds. However, they refused to do it or share with me where the money was sent. XXXX told me that I just need to submit the XXXX recipient account #, and then they can recover it for me ASAP. However, BOA refused to share with me the recipient 's account #, although that account # was input by me. I have always relied on the bank to store my personal finance information I provided and used it to send bills and payments. In all my other banks, I can see the recipient account number and make sure I am sending it to the right party. However, on BOA, they hide the full number and make it impossible to verify the recipient. I was not able to tell who the $ XXXX was sent, although BOA employees can see it, told me that they can see it, but can not tell me the account information I input before. From XXXX XXXX, I have the right to request the information I shared with BOA. However, BOA ignores my requests again and again ( 10+ times ), and always closes my complain to them without notifying me. I have to call them again and again to follow up on what has happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

This complaint is against Ally Bank. On Friday XX/XX/2024 I made a deposit. On Tuesday XX/XX/2024 it showed that the deposit was approved. I know that it says that they can hold the deposit for 3 days and when it showed approved I had called Ally Bank and spoke with customer service representative, XXXX to confirm the deposit being approved. I specifically asked her, at any point can the deposit be returned even 1 day 3 or even a week? She told me that once a deposit is approved that I am good to go and that I have {$5100.00} in my acct. I did a {$2100.00} transaction that evening. The next day, Wednesday XX/XX/2024 the deposit got returned. I immediately called the bank and spoke with a supervisor, XXXX. He had seen the reason for my call and apologized that I was misinformed and that XXXX may need some more coaching and could not stop the transaction. I am now {$2100.00} over drawn in the account with the bank not trying to resolve or take any accountability for their employee telling me that " I am good to go '' with the deposit. I do not have {$2100.00} to cover that transaction. I would not be in this situation had their representative not told me that once a deposit is approved that I am good to go. If XXXX had said Yes that there is chance it can still get returned, I definitely would have waited and that was the whole reason for my call was to verify everything. My account has been restricted and I received a letter that I will be turned over to collections if my account is not brought up. I have filed a complaint with the Minnesota Attorney General and with the Federal Reserve Board, which sent me an email due to the type of bank Ally is, to file a complaint with Consumer Finance.
Product: Debt collection

American Express has blacklisted me after 40 years of being a loyal card member. Although I have been black listed I am paying off my American Express cards and not late with any payments. Despite my paying off the balance of the Am-Ex cards in a timely manner American Express has contracted a collection angency, who is calling/harassing me to collect the Am-Ex debt which I am paying off on time. As a result of Am-Ex placing my account into collections my credit score has plummeted over 100 points. American Express has hired XXXX XXXX  XXXX as the debt collectiion agency who is harassing me despite the fact I am making timely payments to my American Express account. XXXX XXXX XXXX have repeatedly called me and are harrassing me for a debt that I do not owe. My payments to the American Express accounts they mention are current and I have no late payments to American express. The Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) expressly prohibits creditors and debt collectors from making false and misleading representations to consumers. To this point the American Express accounts XXXX is calling me about are current and I have made no late payments. I am using American Expresses online portal to make payments since my account was black listed by them. Under direction of American Express, XXXX continues to call and harrass me for a debt that is current with payments. ( See CFPB complaints XXXX and XXXX as a reference to this matter ) XXXX attorney 's that call me do not identify themselves by name and are aggressive. I have not recieved any mail from XXXX and their response to my CFPB complaint about them was the first I am learning they are calling/harassing me about an American expess account that is current. American Express attempts to collect debt that is current with payments are unwarrented and destroying my credit scores with credit reporting agencies. I am asking American Express and XXXX to stop harrassing me and will escalate my complaint to the United States Federal Trade Comission and other government agencies, including the FBI if this harassment for a debt I do not owe does not stop immediatly. American Express is violating the FDCPA laws through sending a debt I do not owe to a collection agency that continues to harass me. American Express needs to stop the illegal collection activities and update false information they are reporting to credit agencies which is severly impacting my current credit scores. Very Truely Yours
Product: Credit card or prepaid card

I did not receive my XX/XX/XXXX rewards check for {$150.00} from Synchrony Bank for my XXXX XXXX XXXX   purchases. I reported the matter several times by phone and in XX/XX/XXXX received a letter confirming my inquiry. I subsequently followed up about my inquiry numerous times by telephone and was told that the check would be issued but it was not. Finally I was informed by letter that the check that I never received had expired. I sent a formal complaint to the bank on XX/XX/XXXX about the run around I received about this matter. The bank emailed me a letter dated XX/XX/XXXX of their effort to resolve my inquiry in a timely manner. However, when I telephoned the bank several weeks ago, I was told that the only thing on record was that my letter complaint had been received but no information was available on its status. I think Synchrony Bank is still being intentionally unresponsive to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, and XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have the rights 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
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under fair credit report act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unfavorable accounts unresolved. The consumer financial protection bureau has recent filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishings, acceptable unreliable responses, and failing to adequately notify consumers of disputed information outcomes. These failures align with my experience, when Experian has neither corrected or removed despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Student loan

I went to XXXX for my education, and the cost was so high that when a federal loan would n't cover the cost XXXX used a company by the name of PEAK Loan which runs a 13 % interest rate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account # : Equifax Description XXXX XXXX Account Equifax XXXX XXXX CollectionOrChargeOff Installmentwritten off profit/loss -- XXXX XXXX Closed Balance Owed : XXXX {$29000.00} Account Rating : XXXX Account Type : XXXX Account Status : Closed Date : Credit XXXX Limit : XXXX -- Creditor Remarks : CHARGED OFF XXXX ACCOUNT Date Opened : XXXX XXXX Date of Last Activity : XXXX XXXX High Balance : XXXX -- Last Verified : XXXX XXXX Payment Amount : XXXX -- Payment Status : XXXX CollectionOrChargeOff Loan Type : Automobile I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. 
Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
I was looking at Account Status ( XXXX ) expressing Closed. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! 
Viewing Payment Status ( XXXX ) demonstrating CollectionOrChargeOff. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! 
Bring to your attention Date Opened ( XXXX ) reporting XXXX I think this account is inaccurate because it doesn't follow the required standards. This debt was written off as profit/loss but I never received a 1099-C form. I am also requesting this from.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at  XXXX , Experian and  XXXX  they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up.   XXXX   told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$24000.00} ; XXXX XXXX XXXX XXXX XXXX : {$720.00} ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I get 9 calls a day from Comenity Bank. My mother gets 3 to 4 phone calls a day even though she asked them not to call her. I also get phone calls for an XXXX XXXX who i do not know and does not have my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX {$3100.00} DEPTEDXXXX XXXX XXXX XXXX  XXXX {$25000.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$18000.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1100.00} COLLECTION XXXX {$520.00} XXXX XXXX  XXXX {$930.00} XXXX XXXX XXXX  XXXX {$550.00} XXXX XXXX XXXX  XXXX {$460.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$66000.00} XXXX XXXX  XXXX {$670.00} XXXX  XXXX XXXX XXXX XXXX  {$460.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred that caused my account a XXXX balance after being used fraudulently. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting me owing a debt to XXXX XXXX XXXX and XXXX XXXX. Neither one of these are accounts or debts I caused or authorized. During the time that they are stating the debt occurred, I was a victim of Identity Theft in which I filed a case with the FBI. At that time All three major credit bureaus were notified. This was several years ago but until this day I have been disputing these account and the credit bureaus are refusing to delete these items. Each time I dispute the items and ask them to provide me with information on their investigation from the creditor showing proof of the debt, they refuse to provide me any documentation. The same applies to the creditor. The Creditor have ignored me numerous times and refuse to reply me or provide me with any documents of evidence of these debts. The credit bureaus response is always the account was verified
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly late payments on the XXXX/XXXX partial account number XXXX. ( Please see page 7 of the attached credit report. ) These education loans came of out deferment status. There was an email sent notifying me of the status, however the email went to a SPAM folder. I never received the email notification and was not aware there was an issue until I received a telephone call. I immediately took care of the issue and was assured that my account would be corrected and the lates would be removed from my credit report since I never received any notification. To date the lates are still being reported. This incorrect reporting is harming my credit score. Please delete these lates from my credit report.