23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Tuesday XX/XX/XXXX I learned of an amount I owed to US bank. I called US Bank and made a settlement with them on the condition that they fax me a settlement confirmation letter the same day. I was told by XXXX at US Bank that in order for that to happen I would need to go to XXXX XXXX and make the payment there, I was told by XXXX that after making that payment I would need to call her back with a confirmation number for the XXXX XXXX   transaction. I did everything as instructed and to my surprise XXXX said she could not send me the fax that day, I did not receive the letter I needed after doing my part. The next day Wednesday, XX/XX/XXXX, I called back and was told that the payment would have to post before the letter could be sent even though I had taken the extra steps of going to XXXX XXXX to make the payment. I did not receive the letter that day. On Thursday, XX/XX/XXXX, I called back and was told that payment still had not posted. I did not received the letter that day either. It is now XX/XX/XXXX and although I have been told that the payment has posted I still have not received the letter I so desperately need and was promised. US Banks policies are deceitful in this regard and I would not have taken the extra step of going to XXXX XXXX to make this payment if I had known they would not be faxing the letter I still need. The manager of this department of US Bank, XXXX XXXX, remains unresponsive after sending several voicemails and emails.
Product: Credit card

Capital One XXXXXXXX - Acct # : XXXX Capital One has been charging interest on total amount of the balance ( including late fees and interest ) to my account month after month. It clearly states that interest is only charged on items purchased and the unpaid balance each month. This company has been adding the previous balance + all service fees to calculate the interest each month. I have also been charged fees on cash advances which I have NEVER made. 
I appreciate your attentioni in correcting this matter as it continues to damage my credit score. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the early morning of XX/XX/XXXX when I noticed Experian had lowered my credit Score by 16 points I immediately went to check the notifications on the app. There wasnt any notification update and no explanation for the lowered score. I immediately complained to Experian to put back my points before I file a complaint. And magically, it reappeared 24hrs later. Then after that, i checked on my app again XXXX XXXX had fraudulently reported false information. Immediately submitted a dispute with consumer protection bureau and Experian and my credit score at this point again went down by the exact XXXX  points. I was notified the company was deleted and get this, they refused to increase my credit score by 23 or more. Experian is doing illegal unfair practices with my credit score and I believe this is targeted towards specific people. This has been happening for years. I am just now realizing the sneaky actions and now is when Im fighting back. I told Experian this. I told them that I know what has happened and I am closely monitoring and when I caught what they did they still had no explanation to give me! And this morning I opened my email to find them some guy by the name of XXXX from Experian write me to sell me Experian Credit works  a package that cost XXXX dollars to monitor my credit score!!! And i wrote back and told this guy, listen I will never spend a dime on you crooks and thats what annual credit score .com is for! And thats FREE! I told this XXXX guy from Experian, I gave them 24 hrs to correct the error in increasing my score 23 or More and instead they chose to stick to their previous illegal activity which they didnt think I would catch well time is up Im filing a formal complaint! So thats everything that has happened.
Product: Checking or savings account

On XX/XX/2019 My account was fraudulently charged the amount of {$290.00} from a company called XXXX XXXX based in Washington state I live in North Carolina. I called my bank Bank of America ( BoA ) and told them the charge of {$290.00} was a fraudulent charge. In concordance with BoA policy they gave me a temporary credit in the amount of {$290.00} and said they will investigate the charge. 

On XX/XX/2019 I received a letting in the mail stating they the charge was found to valid and that they will be taking the credit back from my account. 

I then started my own investigation into this matter. I called the company that charged me XXXX XXXX. I spoke with a person named XXXX who stated on the phone that they were unable to find an account my name or my wife name. The person also stated that they indeed see the transaction but no product was shipped for this transaction and said it does will to be a false charge but will need to escalate the matter to their supervisor. 

I then called BoA to find out what kind of investigate was done by them into this matter and if they contacted the XXXX XXXX company about this matter. I was told they did NOT contact the company and they only monitor the card transaction and if they do not see any other fraudulent charges they assume that the disputed charge was valid. 

On XX/XX/2019 the money that was credited to me in the amount of {$290.00} was taken from my account even though I requested that the case be reopend and the merchant contacted. 

On XX/XX/2019 I visited my local BoA branch and spoke with the branch manger about this issue they called up the fraud claims department at XXXX and asked about my charge. They were told I needed to provide more evidence that is was a valid claim. I ask them how do I do that I received no product and even the merchant said nothing was shipped and the claim charge didn't seem valid. I was told I needed to send a fax with a statement saying it was a fraudulent charge and they will then reopen the case. 

Today XX/XX/2019 I still have not heard from BoA about the claim. when I call the Claims Department ( XXXX ) they only say that they have 45 days to investigate and there are no notes in the claim.
Product: Credit reporting or other personal consumer reports

I was reviewing my Experian credit report, the personal info section and noticed a phone number thats no mine on my report. I called Experian to see how phone number get added and was told by the person themselves or by a creditor. I disputed the number is not mine but wanted to know which creditor added the number to help narrow done if a credit account has been opened in my name that Im not aware of. Unfortunately Experian said they dont have that information to provide me. This baffles me that they will allow a creditor to add information to MY credit report without the information being verified and theres no way they can tell me which creditor added the information. So now Ill have to wait 5 months for whoever is using my SSN for the account to go to collections and try to figure who is using my info. I have Experian XXXX XXXX but wasnt notified that a new phone number was added to my account. I called the number and the number is active.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  # XXXX Account name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account name : XXXX # XXXX Account name XXXX  # XXXX Account XXXX XXXX XXXX # XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX  # XXXX has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

received a letter from Freedom Plus in care of XXXX XXXX with attempt to issuing a loan. When calling FreedomPlus they advised me that there marketing team is conducting soft pulls to get people to take advantage of loans. I need this to stop and removed me from any soft pulls or anything in the nature of credit when not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute letters numerous times asking for verification and requesting changes in the past and twice in the last 2 months about how they're reporting my payment history incorrectly. All 3 bureaus are reporting late payments that weren't late and they have them reporting at random days of delinquency. Ex : I have consecutive months paid on time and then the next month suddenly jumps to 90 days late then reports OK and then jumps again to 60 or 90 days late. If my payments were to have been late then what happened to the 30 and 60 days reporting first? That can't report that way and they weren't late payments to begin with, my letters have been ignored for quite some time and I'm left with seeking legal representation for the damages these incorrectly reported accounts have been affecting my credit and quality of life for years now. XXXX is showing my payments go from XXXX to XXXX late the next month. TransUnion is also reporting late months that are outside the 7 year statute of limitations, another violation. I'll attach copies of my most recent reports for proof.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX xxxxxxx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting accurate information on there site I have made contact by mail and the phone I was told multiple times they will fix the problem and never did since last year they are reporting that I only have one credit card on file open but there is more than one for some reason on there site XXXX XXXX XXXX   is nor showing but they have a fraudulent account open on my report despite the fact I have disputed the fraud account name XXXX XXXX XXXX multiple times with no finding fact the account belongs to me I have provided information stating the account is fraudulent and do not belong to me experian refused to do a correct investigation multiple calls and letter was sent and received by experian but account XXXX XXXX was not removed off my report and XXXX XXXX XXXX still shows as closed XXXX XXXX XXXX was disputed on grounds with wrong name and amount also address not my information incorrect info experian refused to remove account but a open account with XXXX XXXX with is open and is getting reported on XXXX  and XXXX  report false information is getting reported with experian and is abuse of my name and personal credit report
Product: Credit reporting or other personal consumer reports

I noticed an account on my credit report reported by XXXX XXXX I did not authorize this entity to report any account under my name, nor do I have a contract with them that would provide them with a permissible purpose under the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681b ).

I contacted the creditor to request proof of permissible purpose, including a written agreement or contract with my signature. They have failed to provide any documentation to validate this reporting. Reporting an account without authorization violates my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX  months XXXX  days XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/XXXX, I disputed an account from XXXX ( Account # XXXX ) who are reporting to XXXX, XXXX, and Equifax. I claimed the account was being reported as inaccurate and incomplete and after 30 XXXX, XXXX, and Equifax sent a reply back stating they investigated and claimed the account is verified. Over a few months I received credit reports from the original creditor, annual credit report, and XXXX Each of them shows that this account is still being reported as inaccurate, incomplete, and mismatching information between the three Credit Bureaus. Ive listed all the inaccuracies and mismatches Equifax continues to report. 
Reports account Date closed does not match XXXX o XXXX reports XX/XX/XXXX Reports Charged off date before account closed date reported by XXXX o Reported Charged off date XX/XX/XXXX o XXXX Date Closed XX/XX/XXXX Charge off date doesnt match Date of Major Delinquency First Reported o Reported Charged off date XX/XX/XXXX XXXX XXXX XXXX date on XX/XX/XXXX Date of last activity does not match Equifax and XXXX XXXX Reports XX/XX/XXXX o XXXX XX/XX/XXXX o Equifax XX/XX/XXXX From the evidence above, XXXX XXXX Equifax , and XXXX can not be verified as accurate therefore Equifax is in violation of FCRA 1681e ( b ), which they are not assuring maximum possible accuracy of the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of times. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$510.00} XXXX/XXXX   XXXX {$570.00} DEPEDXXXX XXXX {$1000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX/DEPT OF ED XXXX {$10000.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$10000.00}
Product: Credit card or prepaid card

I have filed my first complaint against Bank of America when they tried to take an auto pay {$36.00} from my closed checking acct., then charged me a {$27.00} return check fee. I had paid the full balance, asked if I owed interest or any other fees and was told no. So i closed my checking acct., never even thinking about the auto pay i had agreed to when i had a balance. so i call and they tell me it is my fault that they fraudulently tried to take another payment & gave me a check return fee, because i didn't unenroll from auto pay?? how can you continue auto pay on an account with a XXXX balance & has been closed by the customers request??? This is evil. So he tells me to go online and unenroll, so i go online put in my id & password and Bank of America now tells me their is no open acct. for this id. They won't let me take myself off of auto pay to stop this evil against me next month. Please help us against this very evil practice.
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 XXXX : Account # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX : Account # XXXXXXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  : Account # XXXX, XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX : Account XXXX XXXXXXXX XXXX XXXX XXXX  : Account # XXXX, XXXX XXXX XXXX : Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX XXXX XXXX : Account # XXXX, XXXX  : Account # XXXX, XXXX XXXX : Account # XXXX, XXXX XXXX : Account # XXXXXXXX XXXX : Account # XXXX, XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX  : Account # XXXX, XXXX : Account # XXXX, XXXX XXXXXXXX : Account # XXXX, XXXX XXXX : Account # XXXX XXXX XXXX  : Account # XXXXXXXX XXXX XXXX  : Account # XXXX XXXX XXXX Account # XXXX, XXXX : Account # XXXXXXXX XXXX : Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : XXXX XXXX XXXX Account Dispute Dear TransUnion Dispute Department, I am writing to formally dispute a fraudulent account on my credit report. The account in question is with XXXX XXXX XXXX XXXX, with an account number ending in 3605. I have attached documentation from XXXX XXXX confirming that this account is fraudulent and does not belong to me. 

Please remove this account from my credit report immediately, as it was opened without my authorization and is negatively affecting my credit standing. 

Thank you for your prompt attention to this matter. Please confirm in writing once the account has been removed from my report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Information on Consumer Report FCRA Code : 15 USC 1681i I am writing to formally dispute multiple inaccuracies present in my consumer credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i. 

Upon thorough review of my credit report, I have identified several accounts that contain erroneous information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX [ Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - [ Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX Capital XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX [ Inconsistencies/ inaccuracies in my account across the three credit bureaus : XXXX XXXX XXXX XXXX and XXXX XXXX Please investigate this matter to ensure my credit report is accurate. ] These discrepancies significantly misrepresent my credit history and may adversely affect my credit standing. In accordance with the FCRA, I respectfully request that you conduct a comprehensive investigation into these matters and ensure that all inaccurate accounts are permanently removed from my credit profile. 

I have compiled supporting documentation that substantiates my claims, which I will upload with this correspondence. This documentation includes screenshots of multiple inaccurate accounts reporting to all 3 credit bureaus. ( XXXX, XXXX, and XXXX ) I appreciate your prompt attention to this matter and look forward to receiving your confirmation of receipt of this dispute, as well as the results of your investigation. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX purchased my Mortgage in XXXX. It was paid in full on XX/XX/XXXX. They reported me 30 days late for XXXX. They admitted today they did it. It is against the law for them to report me late within the 60 day grace purchase after a loan is transferred to a new servicer. They said that this cant be fixed until XXXX when they report it again and fix it. This is unacceptable. This needs fixed immediately as it has had a major impact on me and my wifes credit scores.
Product: Credit reporting or other personal consumer reports

TransUnion has consistently inaccurately reported my XXXX student loans. The reporting of my XXXX student loans are in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ). Despite providing documentation from XXXX to substantiate my claims and requesting updates, TransUnion has consistently reported incorrect balances and payment histories for XXXX, XXXX, and XXXX. 

The balances reported by TransUnion for my XXXX student loans are incorrect. 
The payment histories reported by TransUnion show late payments which are not accurate. My accounts have never been late. 

I have attempted to resolve this issue directly with TransUnion, but my efforts have been unsuccessful. Therefore, I am seeking the CFPBs assistance in ensuring that my TransUnion credit report is accurate.
Product: Credit card or prepaid card

Total amount is {$6300.00} I report my car was lost back on XXXX There where so many transaction made and i give all of them i send all the documentes they reques
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian on XX/XX/XXXX in regards to inaccurate information on my report that was not validated. I let them know that I reached out to the furnishers like the told me to, but the furnishers failed to investigate and failed to validate as well. Experian did not complete their investigation in XXXX days and I still have not received the results. They and the furnishers are violating the FCRA by not conducting their investigation in XXXX  days and continuing to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated this account : XXXX XXXX XXXX XXXX Balance : {$46000.00} This was already included in my prior COMPLAINT and I'm including it again Investigate and fix the noteworthy account for its misleading status
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX