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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

major maintenance fees, not being able to reverse a sent XXXX, also having trouble at the atm on XX/XX/XXXX TD bank ATM took all my money and having to wait days to get it back before a major event very unfair and inconvenient and it was over XXXX and kept making mistakes of the amount the machine counted
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

GAP 's credit card company opened a collections claim against me and put it on my credit report. I have contacted them, and they removed the late fee on my account and I have sense made payment on my account. The delayed payment was an actual mistake the {$75.00} taken from my account was on a closed account and I contacted Gap Credit representative and told them about it and made a payment of {$75.00} soon after. Additionally, the company decided to lower my credit from {$1200.00} to {$250.00} without any warning for no reason at all, this impacted my credit score drastically. The new management of Gap Credit Card needs to do better, they have made poor decisions and it has negatively impacted my credit. I would like them to remove the delinquent payment of my credit report with FICO, XXXX, and XXXX. I would like them to restore my credit limit to {$1200.00} without negatively charging on my account.
Product: Credit card

This is regarding a closed issue # XXXX in which I am disputing the late fees and finance charges on a closed account with TD Bank XXXX I PAID WHAT I OWED ON THIS ACCOUNT AND WILL NOT PAY ANY LATE FEES AND FINANCE CHARGES. This is outrageous - I paid what I owed on this account period. I advised TD Bank that all my accounts were to be closed in XXXX, XXXX I was never made aware that this one account was still active. I would like to know as stated by TD Bank when, in fact, I received two waivers in the last 12 months which is what they are stating in their response. Their billing system is quite confusing and I did request a waiver at one point in the last year and this would only be the second, and it should go back to when the original charge was made. I have accounts with numerous banks and TD Bank I closed because of the confusing way they credit and debit charges. All I am asking for is for them to waive the finance and late fees on a closed account. I have not used any of TD accounts or charges other than the two charges of {$4.00} which I paid immediately when I became aware that AOL charged this account. Please reconsider and advise me accordingly or what other options I have to take.
Product: Debt collection

On XX/XX/XXXX I had some medical studies done. I had my insurance and after 1 year I started receiving statements from this bill company claiming payment that insurance hadnt paid. Since I received the first statement Ive been back and forth with the company trying to resolve and make the insurance pay for my medical costs. The bill company is XXXX XXXX XXXX XXXX. Red net XXXX XXXX. XXXX XXXX XXXX XXXX Ca XXXX with phone number XXXX. 
By being back and forth with them, they told me insurance already covered XXXX of the XXXX services I got from them. But I still owned the XXXX service of {$270.00}, well we started again trying to make my insurance pay the bill and still I was back and forth with the bill company. Until XX/XX/XXXX, I received ( again ) my statement were I owed them {$270.00}, and in XX/XX/XXXX I received a letter from this same bill company were they tell me they received my request regarding the status of my claim and they were going to send it back to the insurance For reconsideration, giving me XXXX days for my insurance claim to be processed. 
Well, they didnt wait those days because like 20 days later on XXXX I called them again and they told me they sent me to a collection company. I told them it wasnt fair that they didnt respect their words in the letter and that I was back and forth trying to resolve this without being sent to a collection company. So they told me they were going to talk to the collection company to have the claim back to them and they told me again to wait for XXXX days for a response, well nothing, no calls no mail nothing.. I havent received any letters from the collection company either thats why I thought they were working on it. So today XX/XX/XXXX I called again the bill company to get an update and they told me theres nothing they can do. I think is unfair they did this to me when I was trying to resolve and get the service paid. Their communication skills failed me and now Im in collection company, where my credit can be impacted for the errors of this bill company. The only thing I have received is a text message on XX/XX/XXXX and is the next Hi ( my name ) We are trying to reach you about XXXX XXXX XXXX. Please visit ( email ) to pay or call us at XXXX for help. 

This communication is from Continental Credit Control, a debt collector. 
CA License # XXXX To stop future texts, reply STOP to this message. 
Please help me get this resolve
Product: Credit card

Citi should report both account ending in XXXX and XXXX with a {$0.00} balance to the CRA because the account are being handled by XXXX XXXX XXXX and XXXX. Citi is in violation of the FCRA, Citi is currently reporting chargeoff credit card account ending in XXXX with a balance of {$3500.00} and account ending XXXX with a balance of {$3400.00} to the credit reporting agencies. Citi advised me that accounting ending in XXXX is being handled by XXXX and Account ending in XXXX is being handled by XXXX XXXX XXXX. This is from my complaint XXXX with Citi responding XXXX. This was Citi responding to my complaint. 

" We have received your inquiries that were submitted to the Consumer Financial Protection Bureau regarding the validity of the debt on the above-referenced accounts. 

After reviewing our records we have confirmed that the debts are valid and we are providing you with monthly statements since the accounts were established that confirm the debts. The enclosed monthly statements reflect the date and amount of payments, credits, balances, and charges concerning the debts, including but not limited to interest, fees, charges or expenses incidental to the principal obligations that we are expressly authorized to charge by the credit card agreements. 

Our investigation indicates that your accounts were opened on XXXX XXXX, XXXX. After conducting an investigation, we have determined that you applied for the accounts online ; therefore, physical copies of the applications are not available. The amounts of debts as of XXXX XXXX, XXXX are {$3500.00} on the account ending in XXXX and {$3400.00} on the account ending in XXXX. Your last payments in the amounts of {$86.00} on the account ending in XXXX and {$80.00} on the account ending in XXXX were received on XXXX XXXX, XXXX. Please ensure that your payments of no less than the full balances are received by XXXX XXXX, XXXX. 

Our records indicate that due to the delinquency of the account, we referred the account ending in XXXX to XXXX XXXX XXXX for their handling. Any future correspondence in regard to the outstanding balance, as well as any payments, should be directed to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is XXXX XXXX XXXX XXXX. The account ending in XXXX was referred to XXXX XXXX XXXX and any correspondence regarding this account can be directed to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. Their phone number is XXXX XXXX XXXX XXXX ''. 

Sincerely, XXXX XXXX Executive Response Unit XXXX cc : Consumer Financial Protection Bureau Case # XXXX Case # XXXX FEDERAL REGULATIONS REQUIRE THE STATEMENT PRINTED ON THE REVERSE SIDE *Our telecommunication number for our hearing impaired customers is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I was mailing a check to the XXXX XXXX, I put it in the mail box on XX/XX/XXXX. 
I checked my balance on the 1st. and found out that someone has cashed it with the amount of XXXX XXXX The mail box was broken into.
Product: Mortgage

XX/XX/XXXXMy name is XXXX XXXX XXXX. I have a house here in XXXX Hawaii, We bought the house on XX/XX/XXXX when I was married then we refinance it XX/XX/XXXX and then me and my ex got divorce. after we got divorce I been fight to save the house its because its is under my name since XX/XX/XXXX which I did n't know till three months before my ex filed the divorce paper. By XX/XX/XXXX I found out that he never paid for three months and I tried to pay the behind payments all the way till XX/XX/XXXX. Then that 's when the XXXX XXXX has been harassing me calls and soliciting collecting debts. By XX/XX/XXXX I send them a hardship letter stating that due to my divorce I can only afford {$1200.00} a month plus I applied for modification with my hardship letter, they said I wont be qualified for modification because of my income is not enough, and which they accept that payments up until XX/XX/XXXX. They sent me a letter stating they cant accept my payments anymore or not applied to my mortgage so I ask them where my payments went? they put those payments of mine in the fund. Since then I have been fighting struggling and handling their harassment that makes me sick and XXXX, I went hired lawyers to lawyers to find who can help me, but all they do is tried to sell my house. I been fighting for them attempting to foreclose my house for five years. I seek help form the mainland thought they could help me. Then I found this XXXX XXXX who did a research of my mortgage and they found out some rebo-signing and records about my mortgage. They keep on transferring servicer company from XXXX XXXX, to XXXX now Ocwen. I have a consultant that helping me as under writer that do all the response letter and filing to response the motion from this company that represent the XXXX XXXX XXXX XXXX. Now I am in schedule to appear in court again because they want me to sign the approval that the Judge here in XXXX trying to give judgement to the Plaintif XXXX XXXX XXXX XXXX XXXX, as a Trustee for XXXX XXXX XXXX XXXX XXXX which was the XXXX was filed Bankcrapcy on XX/XX/XXXX. Thas is what we are trying to prove that all of this mortgage matter of my house is falsify. Now the XXXX XXXX XXXX who representing the XXXX XXXX is trying to foreclose my house where I am trying to fight and save my house I do n't want to sell it. I am writing you to to help me. I am fighting for my rights my future and for my kids. PLEASE HELP ME OR SOMEONE HELP ME.. before its two late. We have proof documents that we needed but seems the Judge here is a crook and taking his side to the plaintiff without any further research the fact. I am a simple citizen fighting for my rights. ..so please help me ... I need a urgent help. 

Repectfully, XXXX XXXX XXXX XXXX XXXX, HI XXXXel # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX CXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX  Balance Owed : {$2.00} XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXXXXXX XXXX Owed : {$900.00} XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} - XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$680.00} XXXX XXXX XXXXXXXX Balance Owed XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Had XXXX XXXX  put the same account on my report XXXX separate times at the same time for XXXX account. I called them and paid what the XXXX company didnt back in 2019. XXXX and XXXX took it right off. Eqifax refuses to and the last time told me to call the police and file charges. What that isnt possible when its not a fraudulent item. They now have an account showing late that was paid in full XX/XX/XXXX and refinanced with never having a late payment. Eqifax says I missed my XXXX payment and I had already made a payment to the new creditor in XXXX.
Product: Credit reporting or other personal consumer reports

Im sending to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Please find the required documents to assist in the removing of the erroneous information which is being posted to my report. 

Here are the list of a which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance {$130.00} XXXX XXXXXXXX Balance {$44.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$340.00} XXXX XX/XX/year>
Product: Debt collection

I had my vehicle impounded and Toyota repossessed the car. I had attempted to get financing with XXXX XXXX and the representative at Toyota stated my vehicle loan was past due ( which it was not ) causing the financing to fall through with XXXX XXXX. I had gone to the impound lot and removed all my personal belongings from the vehicle before it had been auctioned off. There were ZERO damages to the vehicle. The impound lot can confirm that no damages were done to the vehicle as they are required to provide photos to the lender of the vehicle. On XX/XX/XXXX at XXXX XXXX  I received a call from XXXX at XXXX XXXX XXXX stating there was an attempt to file a claim for damages to the vehicle but the claim was denied due to no active coverage. In addition to failing to comply with my requests to verify the debt, this company is also attempting to collect a debt alongside the collection agency they sold the debt to. They have not only tried to fraudulently make an insurance claim for " damages '' but they're trying to collect that same debt from me along with the collection agency. The Claim number is XXXX and the claim was made on XX/XX/XXXX. This vehicle was still in my possession at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I was married. In XX/XX/XXXX when myself and my ex-husband both got loans for XXXX school. Due to the amount of the payments, we were approached to consolidate. The form that was issued is no longer in use due to lawsuit issues. It was written in a way that tied us both to the loan despite future situations. The loan at the time was $ XXXX. In XX/XX/XXXX My ex-husband and I were divorced. It was written in our divorce papers the split-out of our finances. I continued to make my payments and did not know my ex was not making his. There was no communication from the Financial company. I only found out because I called the FC and requested tax info and was told they were sending me to collections. This occurred a couple of times. I attempted to make my payments, but was told I could do that, but it would n't count unless I covered his payments as well. I explained our divorce decree and was told it did n't matter. In XX/XX/XXXX my ex died. I went to the FC and explained the situation. They told me I was still responsible for the loan. At that time, the loan amount, due to deferments created by my ex, the total was $ XXXX. I was responsible for $ XXXX/mo. I have been paying on this loan monthly for years. I am currently unemployed and can not make the payments. I was denied a deferment due to my ex 's deferments years before. I went online to see what my options are. I contacted the XXXX XXXX XXXX and was told that the FC should have re-evaluated the loan when I reported my ex deceased. They checked their records and verified nothing had been done. I was told to go past the CSR and request a supervisor. I contacted the FC again and was able to speak with a manager. I was told that I had to submit a death certificate and they would review it. I told the manager that I had not been given that information years before when I had called for help. I was told, XXXX for that. Since this joint loan was signed in XX/XX/XXXX, I have paid approx. $ 82k and approx. $ 1k in fees due to insufficient payments that I was not aware my ex was not paying. My ex paid approx. 9k before he died. The FC states there is still $ XXXX left on the loan to be paid. The way the FC handled this on the numerous occasions I contacted them for help, was in-excusable. The lack of concern and compassion is appalling. Because people did n't care enough to do their job, to take the time to communicate with their clients, I paid $ XXXX past the death of my ex-husband.
Product: Credit reporting or other personal consumer reports

I got a call from XXXX, claiming to be from Experian XXXX monitoring, stating someone in XXXX  tried to open a new credit card in my name. They stated they had my addressthey gave me a previous address in XXXX  and then gave me the address in XXXXXXXX XXXX  where I actually live. They said the card attempting to open was XXXX XXXX XXXXXXXX, and that my XXXX card was compromised. I asked for the number of the XXXX, and they said that they had to transfer me to another accounts manager. I asked for the number again, and was given a card number allegedly from XXXX XXXX XXXXXXXX XXXX XXXX, but would only give me the first XXXX numbers. When I suspected this was a scam, the man refused to give me a name or a number to reach him and refused to have me talk to a supervisor. In addition he said that since I was not cooperating, he was going to approve the opening of the card in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AT & T Universal Credit Card, formally Citibank, continues to erroneously list an inaccurate " High Balance '' on my credit reports in spite of the fact that I've provided clear documentation to the credit bureaus clearly contradicting what they're reporting. 

They are listing a " High Balance '' of {$14000.00} in the past seven years in spite of the documented fact that my credit limit ranged from {$500.00} to {$2300.00} from XXXX to date. I've never had anywhere near a high balance of {$14000.00} with them over the past seven years and my credit limits clearly document that it would be impossible to have a high balance that is over {$12000.00} higher than my credit limit. 

Universal has refused to correct this inaccurate information in spite my filing numerous disputes with all three of the major credit bureaus. 

I am attaching a letter to the credit bureaus in addition to digital copies of four different statements that chronologically confirm my credit line over the past seven years, clearly making the high balance of {$14000.00} that they continue to report an impossibility. As I refuse to use this card until the situation is resolved I am carrying a XXXX balance on it, thus I have not received a statement from them since XX/XX/XXXX, which is included here for reference showing the credit limit of {$2300.00}.
Product: Debt collection

I do not know who avante care is They put a charge onto my credit and they never even gave me a reason why they just said that it was accurate and it is not. They dont even have any proof to pay any kind of money and I did not have any kind of bill at all, so Im not sure why they wont take this off my credit.