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

I paid off an account ( loan ) and once the account was reported to  XXXX  it was reported closed but 30 days late. the account was never late, I co ntacted Opportunity Loans ( Op p Loans ) and was told that there was a glitch in the system and that this would be corrected in a few days. I waited from a call from someone by the name of  XXXX  who I was told would call me back but I never received a call. I contacted the credit bureau and disputed this, the dispute came back as information remains the same due to the number that was provided on the credit report is not the number should be used for Payments. the number provided to the credit bureau is just the corporate main number. so I have included the final email stating the account is paid in full with the correct contact number located in the signature. The information is still being reported as 30 days late which is not correct.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonour ed FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as it is already corrected from the other bureaus. You have days to CORRECT these accounts listed below : XXXX XXXX and XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : -XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report.

- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer.

- As a result, these inquiries are negatively affecting my credit score. 
XXXX. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. 
- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers. 
- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports. 
- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX DBA XXXX XXXX XX/XX/20 : XXXX XXXX XXXX XXXX XX/XX/20 : XXXX XXXX ( dont recognize, unauthorized inquury ) Credit plusXXXX XXXX ( double inquury! ) XXXX These are the 5 Lenders showing on my credit report as Hard Inquires! One lender ( XXXX XXXX I never authorized and XXXX  XXXX  pulled my credit multiple times ) During a 2 week period XXXX I was shopping for home loan refinance and my credit should not have had such a significant drop in credit score due to these hard inquiries as law states " would only count as 1 pull of credit when shopping for mortgage within 30-45 days period '' My credit was a XXXX on XX/XX/20 when a few calls were made to 3 lenders only! Within a 2 week period! In beginning of XXXX, I noticed these 5 hard inquiries on my credit report and my score dropped to a XXXX!! Nothing else had changed to my credit report during this time that would have impacted such a drastic drop in my credit score, only these hard inquires, at which point I immediately saw the drop in my score..I am disputing these hard inquiries and request they be removed from my credit report. Thank you for your assistance, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and merchant credit guide about reporting wrong information to my account. I have never done business with this collection agency nor had an account with them. they keep reporting this inaccurate to my account
Product: Debt collection

XX/XX/2024 I received an email that stated that Affirm credit was approved for a purchase of {$190.00} and that the first payment of {$32.00} was due to Affirm for a purchase made from XXXX XXXX XXXX on-line clothes company ). I knew this had to be a scam because myself or my husband did not purchase anything from this company and neither of us have ever used Affirm. I received an email almost daily saying my payment was overdue. Again I ignored this because I receive many scams a month. The beginning of XXXX I received an email that said this {$190.00} was turned over to XXXX, a collection agency. I called XXXXXXXX XXXX XXXXd Affirm and both of them do not have any record of an order from me, any information about me and said that I do not have an account with either of them. I have an email from XXXX Basics that states this. I then called XXXX debt collections and they stated that they do have my information that I owe this same amount to them. I asked them to mail me all information that they have connected to this debt. They stated they will do this. I have not received this yet. I called XXXX and they said that this debt is showing on my credit report. My XXXX plus XXXX XXXX is now XXXX.
Product: Checking or savings account

XX/XX/year> my chime account was closed after I told them that someone was trying to hack my account and they then closed my account by that XXXX im now finding out that that person is still trying to hack my account that they closed for whatever reasons. They changed the email address and phone number locked me out and I called support and they helped but then the account was hacked again for a second time
Product: Credit card

Citi bank sent me a letter in the mail on XX/XX/XXXX telling me my dispute had been resolved and investigated and it was in my favor now today XX/XX/XXXX they charged my card for the amount they credited and are saying that I have to contact the merchant. However they sent the letter informing me this had been taken care of.
Product: Checking or savings account

I made a payment of {$550.00} on XX/XX/XXXX. I made a payment of {$20.00} directly after I sent that one but the bank did not explain to me where they money went. I watched it leave my checking account it was sent to XXXX XXXX. Truist Bank is the bank that I used. I talked to two people that told me the money did not leave my account when I saw it myself
Product: Credit reporting, credit repair services, or other personal consumer reports

We are still having trouble with the companies XXXX and TransUnion! They are definitely dealing in Economic Fraud by misrepresentation who we are as American s! We have unlimited credits! See House Joint Resolution 192, of June 5th 1933, there is no constitutional law enforcement of money, only legal tender!
Product: Checking or savings account

When trying to get prequalified for a loan, the mortgage person I was working with told me that there was a charged off loan on my report. I was quire surprised since I pride myself on paying all my debts and having good credit. 

After numerous calls to various representatives at Bank of America, with whom I keep a high outstanding balance in my credit account I was given a statement which showed that I took an ODP advance in XX/XX/XXXX of {$100.00} that was paid off in XX/XX/XXXX. Subsequently there was an ODP advance in XX/XX/XXXX of {$100.00} and another one for {$200.00} on XX/XX/XXXX ; The statement shows a regular payment on XX/XX/XXXX of {$75.00} and then the balance was charge off in XX/XX/XXXX for {$230.00}. 

Since I did not remember taking out the ODP loan or the overdrafts, I asked for the legal obligation which showed that I took out the loan. After five or six transfers, the representative said that I should file a credit dispute. Since it has been at least 45 days since this request was made, I am forwarding this complaint to you for your assistance. During my most recent call Bank America gave me a reference number of XXXX
Product: Checking or savings account

The morning of XX/XX/XXXX we reported XXXX unauthorized XXXX disbursements, we have never used XXXX, to people we don't know, XXXX for {$950.00} on XX/XX/XXXX and XXXX for {$960.00} on XX/XX/XXXX. We did not authorize these disbursements. This was not a scam. It was fraud. On XX/XX/XXXX we were told by the Wells Fargo fraud department that these funds would be restored to our account in XXXX  days. Since then we have had numerous phone conversations with Wells Fargo without satisfaction. 

On XX/XX/2022 we sent a Certified Mail Receipt letter outlining our complaint with our account number and claim number to XXXX XXXX, XXXX & XXXX Wells Fargo Bank. We have had no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in processing disputes on my credit report with experian. alot of information is not validated. please review all data listed to help clear my file. checking the information on my credit report is not 100 % accurate. delete all inaccurate information on my credit report to clear my file asap.
Product: Debt collection

They Call me at least XXXX times a day even, when i made a payment they wanted me to put a card on file for automatic debit. I refused to and told them that, but they continued to harass me anyway. They also call from numerous numbers from different states.
Product: Debt collection

I have disputed this item before ( CFPB Case number : XXXX ) and have still to be provided proof that I EVER received a letter with a right to dispute ( which I very well would have ). Legally, ( as they very well know ) I have a right to dispute. We have moved several times. Is this why? If so, they still by law must have provided ME with a collection letter with my right to dispute. Because of this ongoing mess and the failure to provide such a document once again, I am requesting this item be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back over seas has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name- XXXX  XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX  XXXX Account # XXXX Account name- XXXX XXXX XXXX  Account XXXX XXXX Account name- XXXX XXXX Account # XXXX Account name XXXX XXXX Account # XXXX Account Name- XXXX  XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to EXPERIAN, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX TransUnion
Product: Debt collection

The Payday loan lender QuikCash XXXX MO contacted my friend about my payday loan and gave him explicit details about my loan. When I got it, how much I owed, and told him that he should help me pay it. This is unacceptable behavior as this is personal information.
Product: Student loan

Student loan was purposely forced into write off, despite offers to repay.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$15.00} usc 1681 section 602 a. States i have the right to privacy. 

15 USC 1681 604 a section 2. It also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 

I sent a letter asking them to make sure everything is complete and accurate. 

They haven't sent me back anything about the investigation. They are ignoring my disputes. On XX/XX/XXXX I was sent a letter stating that I was working with a third party company and they wasn't going to investigate my dispute. There is no proof that I'm working with a third party, and if I was, there is no law that states that I can not hire professional help to assist with errors that on my credit file. 

And according XXXXo15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I'm in the process of buying a house and when the lender company ran my credit it didn't show a specific credit bureau report ( EQUIFAX ). I contacted them but they seem to not have any of my information about me in their system even when I provide my social security number, nor my full name or my address. My credit does show up in other credit bureaus and I have had multiple credit lines for many years.
Product: Credit card or prepaid card

Hello, I initiated a payment to this card company, using their app and my bank information. A day or so later I called in to cancel this payment because I had used the wrong bank information. I was notified that my bank union would be mailing a check directly to them on my behalf which is why I canceled that payment. My balance at the time before I had initiated any payments was XXXX. Goldman Sachs says ( on multiple calls ) that have indeed received the check, and it has posted. The problem is my balance is now XXXX. Goldman Sachs is saying that when they reversed my payment that I had initiated, it doubled my balance. Clearly this is a mistake, my balance should only be {$22.00}. Please help, Ive done multiple disputes and all come back with the same answer, that my balance is doubled and that that is right.
Product: Credit card or prepaid card

I applied for a Chase card on XX/XX/2022. I called today XX/XX/2022 to find out my application has been archived because its been over 30 days. I found out that there was some incorrect information on my credit application but I was never notified of the application. 

I was told to reapply - my credit is excellent but the issue is that hard pulls on credit reports can impact your credit score. Seems strange to not notify your applicants of issues or perhaps not deny them after those 30 days. I believe ECOA laws prevent this from happening after the 30 day mark. 

I would love any help and hopefully this isn't happening to anyone else if there is something strange going on here.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistiently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I got scammed in my cashapp account from a person that didnt do their services that I paid for and cashapp didnt even try to get my money back. And they closed my account
Product: Credit reporting or other personal consumer reports

I've submitted a dispute regarding a reporting inaccuracy involving my account with Discover Bank, as reported through XXXX. Discover Bank acted negligently by failing to close my account after I explicitly requested its closure. As a result, unauthorized charges began to accrue on the account. Upon becoming aware of this issue, I promptly paid the outstanding balance to settle the account ; however, the late payments and charges reported remain inaccurate due to Discover Bank 's failure to act on my initial closure request. 

I believe Discover Bank should have a recorded phone call documenting my request to close the account prior to the accumulation of these charges. Despite multiple requests, Discover Bank has failed to provide any evidence, documentation, or proof of a thorough investigation to validate the accuracy of their reporting. Additionally, these requests have been disregarded both by Discover Bank and by XXXX. 

Given these circumstances, I am formally requesting that the inaccurate information be corrected or removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 

I've attached documents that were provided during the dispute.
Product: Payday loan, title loan, or personal loan

Ally was overly paid funds that exceeded the total asking price of {$24000.00}. I was involved in a car accident on XX/XX/XXXX. I was rear-ended by another vehicle which subsequently totaled my vehicle, XXXX XXXX XXXX, that was financed through Ally Financial which defrauded myself, the customer, by over charging excessive billing amount that were never agreed upon nor negotiated at time of contract. The XXXX dealership in XXXX took XXXX down payment from my trade in vehicle which automatically would be subtracted from the total agreed upon negotiated price of {$24000.00} leaving a balance of {$20000.00}. XXXX XXXX XXXX was the at fault insured driver insurance, which paid {$12000.00} to Ally Financial directly, leaving a balance of {$7500.00}. I also had GAP Insurance which covers any unpaid balance associated with the vehicle liability loss, which paid {$6400.00} to Ally Financial directly, leaving a balance of {$1000.00}. Also a service contract was paid t o Ally Financial for {$140.00} leaving a balance of {$940.00} I was told by Ally Financial representative that I paid a total of {$5600.00} from XX/XX/XXXX through XX/XX/XXXX/but only {$2600.00} will be applied towards the principal balance, resulting in an overpayment of $ XXXX/ {$1700.00}. I've reached out to Ally Financial on numerous occasions to rectify this matter and they have not resolved this issue at all. Instead Ally referred me back to XXXX and requested that I pay Ally Financial an additional amount of {$2900.00} to resolve the amount of the debt.