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

I received a email from experian credit bureau stating that a dispute had been resolved on their end, ( Report # XXXX ), ( Investigation ID is : XXXX ), but once i went to the website, I logged in and I see there is other wrong information listed on my credit report like a " wrong name '' that is listed, as well as wrong telephone number ( XXXX is " not '' my phone number ). So I tried to dispute it, I tried to upload documentation to prove my dispute, but the website would not allow me to complete the upload ( even though it offered me to do so ), it was all removed. I tried several times to no avail. It has listed a " wrong Name '' ( alias ), on the credit report that I have never used in my entire life, so I want it removed. IT is my right under the " FCRA '' to remove wrong information in my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian my credit report along with proof of identity of myself with 3 items that they ask. I wrote to them about accounts that are being reported inaccurate and is damaging my credit. Ive sent my credit report priority mail with a letter to dispute accounts that are inaccurate. They responded with saying that they verified it with the creditor however I have not reviewed anything in the mail or have they mailed me anything identifying its a legitimate account or it belongs to me. This violates my rights as a consumer and they arent following Fair Credit Reporting Acts by not identifying the account with me. If the creditor verified the account, than I as a consumer should receive that as well. Experian bureau failed to do so by not explaining anything or send a mail of verification.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Equifax consistently 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 ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

- XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife passed away on XXXX XX/XX/2021 on or about XXXX XX/XX/2021 I notified Lowes/Synchrony customer service number XXXX and was connected to Synchrony bank " OFF-SHORE '' call center that my wife had passed away as this was a joint account they did not ask for a copy of her death certificate but said they would verify independently through other means, On XXXX XX/XX/2021 I entered Lowes store in XXXX AZ and attempted to purchase some items I needed for some home repairs and my Lowes credit card was " DECLINED '', I went to the customer service desk and was told when they checked the account that it was closed with no mention of any thing else. 
I called Lowes/Synchrony customer service and requested to talk with a manager and then they finally transferred my call to another person in their " Probate '' center who told me yes they reported my wife 's passing and in addition they had reported my death also to all three credit reporting agencies without any evidence that what they did was in fact true. I contacted XXXX and XXXX  and filed a dispute with both of them and was told that this could take up to 45 to 60 days to get corrected. My wife 's death certificate has not been issued by the XXXX county coroner as of XXXX today XX/XX/2021 also my wife 's obituary was not published in the XXXX  XXXX XXXX weekly paper until XXXX XX/XX/2021. This will seriously impact on my ability to finnish all my wife 's final arrangement if I am listed as deceased by all three credit reporting agencies that have not conducted their due diligence and published totally false information on my credit report and want to drag their feet in correcting this. All the other creditors that my wife and I have asked for a copy of her death certificate or the name of the funeral home that was taking care of my wife 's funeral. I am possibly considering retaining an attorney to take them to task for their errors.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for falling to propery investigate miy disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently 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, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 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 the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. these are the inaccurate accounts : XXXX XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Here 's a response to the CFPB 's question about what happened : -- - I am experiencing issues with inaccurate information on my credit report across XXXX, XXXX, and Equifax. Despite contacting each credit bureau directly to resolve these inaccuracies, they remain uncorrected. Specifically : 1. **Unauthorized Credit Inquiries** : Several inquiries were recorded without my authorization. These were noted on various dates between XXXX and XX/XX/XXXX. I have requested removal of these inquiries, but they have not been addressed by the bureaus. These inquiries impact my credit score and are not a result of any action taken by me. 

2. **Negative Account Inconsistencies ( XXXX XXXX ) ** : I have a charge-off account with XXXX XXXX that is reported inconsistently across the three bureaus. Key details such as the account balance, high balance, last activity date, and closed date vary between Equifax, XXXX, and XXXX. Under the Fair Credit Reporting Act, I requested that these inaccuracies be verified or corrected ; however, they remain unresolved. This incorrect information negatively impacts my credit profile. 

3. **Outdated Address Information** : Each bureau lists previous addresses that are no longer accurate. I have requested that only my current address, as of XX/XX/XXXX, be retained. The credit bureaus have not acted on this request, resulting in continued inaccurate reporting. 

I am seeking assistance from the CFPB to ensure that these issues are thoroughly reviewed, as the credit bureaus have failed to meet their obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) ) to provide an accurate report.
Product: Checking or savings account

Bank of America There were pending transactions on my account that I knew the merchant was reversing, and that the funds would never be withdrawn from my account. When I made another transaction, Bank of America accessed Overdraft Protection,  even though the actual balance of my account, as given on their website, never approached XXXX. The Overdraft protection resulted in three {$12.00} fees. They did this on the assumption that all processing transactions would ultimately process, which I knew to be false. Is this legal? I argued with them for some time and their response was that processing transactions are considered actual debits until they receive notice that they have been cancelled. 

This happened two months in a row, the night before my paycheck was automatically deposited.
Product: Mortgage

My loan at XXXX XXXX  was transferred to Loancare LLC for servicing in or about XX/XX/2021. Since then, Loancare LLC has refused to credit my payments to my loan, and has instead been misappropriating the funds and claiming that the loan is delinquent. I have spoken to customer service agents at least 5 times and sent a letter by US mail asking Loancare to apply the payments I have made in XXXX, XXXX, and XX/XX/2021. The phone service representatives claim a " mistake '' was made and that it will be fixed and the payments will be correctly applied. But this has been going on for months with no resolution - nothing is ever fixed, and Loancare continues to keep my payments without crediting them to the interest and principal of the loan despite my frequent express directions via telephone and via letter to credit them appropriately. Loancare also stopped sending me monthly statements by mail or online, apparently in an effort to conceal its fraudulent scheme. This company is a scam.
Product: Consumer Loan

XXXX XXXX, 2016 I traded in my car at XXXX of XXXX. I had an auto loan with Regional Finance in XXXX, SC. XXXX of XXXX called Regional Finance to confirm the pay off amount which was {$13000.00} according to Regional Finance that day. XXXX of XXXX agreed to pay the car off for me and placed me in a new car that day. One month later, XXXX from Regional Finance called me stating I have not made my car payment for the month. I told them I traded in the car with XXXX of XXXX they were suppose to send you the check for the car, they said they did n't receive it. I called XXXX at XXXX of XXXX, He stated they were working on it and should be sending them their check that week. Regional Finance accepted the pay off check from XXXX of XXXX and gave them the title of the car. XXXX from Regional Finance calls me again a week later stating I still owed them {$2000.00} for the car because the pay off amount was not correctly given to XXXX of XXXX and someone needed to pay this amount. I went up to their office that same day told them I would not pay because that was a mistake on their end not mine. I had XXXX on the phone from XXXX of XXXX with me, who stated XXXX the salesman spoke with a guy named XXXX that morning of the sale. XXXX stated it was not him. Also, XXXX stated well since no one recorded the conversation to see who it was from the office who told the incorrect pay off amount. I would still be responsible for the remaining balance. During this conversation XXXX was working on the computer when I pointed out to him and shouted to XXXX on the phone that on XXXX of the screens he was on the exact same pay off amount that was quoted to XXXX of XXXX. It stated pay off amount {$13000.00}. So I told them it was definitely Regional Finance mistake for giving XXXX of XXXX the incorrect information. XXXX of XXXX confirmed with Regional Finance TWICE on XXXX XXXX if that was the correct pay off amount and Regional Finance stated it was the correct amount. Of course, Regional Finance reported it on my credit report that I missed 5 car payments from a {$7700.00} remaining balance. {$7700.00} balance is what the full term of the car balance would be if I went to 72 months to pay it off. Regional Finance did report they received the {$13000.00} from XXXX of XXXX, however I still owed them what now what reports as {$850.00} ( where this new price came from could not even tell you ). So now the account is currently charged off, due to non payment, on my credit report because I did not give more money for a car already paid off and no longer in my possession.
Product: Credit card or prepaid card

XX/XX/XXXX deposit of {$8800.00} in my checking account XX/XX/XXXX made 3 payments to 3 different credit cards to pay off the balances XXXX - {$1400.00} XXXX - {$2100.00} XXXX - {$22000.00} XX/XX/XXXX received email advising XXXX bank returned payment {$2100.00} on XX/XX/XXXX XX/XX/XXXX received email advising XXXX bank returned payment of {$22000.00} on XX/XX/XXXX i contacted the bank and was advised XX/XX/XXXX they did not return any payments to capital one credit cards i contacted customer service at capital one and advised my accounts were closed due to fraud because i tried to pay off my accounts and the bank returned the payments and capital one received an email from my bank i called the bank and they advised " no, they do n't send emails and they never received anything from capital one and yes, the money is still in your account '' XX/XX/XXXX i made the 3 payments again from my checking account XX/XX/XXXX received email from capital one " thanks for my payment of {$2100.00} XX/XX/XXXX received email from capital one " thanks for my payment of {$2700.00} nothing was sent regarding the payment of {$1400.00} for acctn XXXX XX/XX/XXXX contacted capital one and was advised all the accounts were closed due to fraud XX/XX/XXXX - went to capital one bank -was advised they could n't help me with my problem but to contact capital one fraud department while i was there sitting with them and they would help in any way they could XX/XX/XXXX contacted capital one fraud department and explained everything - was told after 40 minutes on the phone their supervisor would review and contact me XX/XX/XXXX with an answer why they closed my accounts and why they are telling me i committed fraud XX/XX/XXXX received call from XXXX XXXX - no last name who advised she is the head honcho in XXXX va office and she contacted my bank and we had a 3 way conversation with my bank which was taped and the bank advised her the same thing the money to pay off these cards was in the bank since the XX/XX/XXXX deposit and they never returned anything to capital one, nor did they send an email to capital one advising the payments were returned XXXX NO LAST NAME WHO INSISTED SHE IS THE HEAD HONCHO ADVISED THE " BACK OFFICE '' HAS TO REVIEW - SHE HAS NO SUPERVISOR - SHES THE HEAD HONCHO - AND SHE WILL HAVE TO FILE ANOTHER APPEAL WHICH WILL TAKE ANOTHER 7 DAYS I ASKED HER TO RETURN MY {$6300.00} AND I WILL MAKE PAYMENTS ON THEM SINCE THEY NOW HAVE {$6300.00} AND I HAVE NO CREDIT CARDS TO USE AND SHE ADVISED THE PAYMENTS WERE STILL IN PROCESSING I CONTACTED MY BANK AND WAS ADVISED CAPITAL ONE RECEIVED MY MONEY XX/XX/XXXX AND OBVIOUSLY THEY COULDNT STOP PAYMENT AT THIS LATE DATE6 PLEASE ALSO NOTE - NON OF THESE PAYMENTS WERE EVEN DUE UNTIL XX/XX/XXXX!!! I AM ATTACHING ALL OF THE PAPERWORK I RECEIVED FROM CAPITAL ONE AND A COPY OF MY BANK STATEMENT SHOWING THAT THEY ARE AT FAULT AND I DID NOT COMMIT FRAUD ALSO RECEIVED LETTERS FROM CAPITAL ONE DATED XX/XX/XXXX WHICH I RECEIVED ON XX/XX/XXXX ADVISING THEY CLOSED MY ACCOUNTS
Product: Debt collection

U.S.C in Violations 1. Title 15 USC 689n ( a ) ( b ) Unlawful acts and Omissions, breach of fiduciary duty 2. Title 12 Ch.X Part 1006.34 ( a ) ( c ), c ( 2 ) ( v ), c ( 3 ) ( ii ) Validation Information Required 3. Title 18 USC 1001 a ( 1 ) Statements or entries in generally 4. Title 15 USC 1681s-2 ( a ) ( b ), ( f ) ( 2 ) ( b ) ( f ) ( 3 ) Responsibilities of Furnishers of information to consumer reporting agencies 5. Title 15 USC 1611 ( 1 ) Criminal liability for willful and knowing violation 6. Title 18 USC 242 Deprivation of rights under color of law Denied Rights to Discovery 7.Title 15 USC 1691 ( a ), ( a ) ( 3 ) Scope of Prohibition 8. Title 15 USC 1681o, ( a ), ( a ) ( 1 ) Civil Liability for negligent noncompliance Requested verification Information. 
1. They did not produce a promissory note ; there was no verification. Noncompliance 2. Did they produce a contract signed by XXXX XXXX XXXX and by XXXX  ; No verification or disclosure was provided. Noncompliance 3. Did they produce any verification of their claim ; affidavit/signed invoice was not provided willfully. 

4. When asked who the original creditor was, did they state clearly whom it was and their address ; they willfully denied full disclosure and failed to give proper verification information. Noncompliance 5. There was no Unreserved acceptance by both parties. ( I reserved my rights to rescind ) 6. Was equal consideration exchanged? No disclosure or verification was given. 


7. Have any other accounts been opened in my name at my address with or without my consent? No disclosure or verification was given. 

8. They disclosed my personal information to consumer reporting agencies. They reported under three different names : one name per agency. Reporting unverified incorrect information causing damage. 


9. Has the account been securitized? What is the Cusip-number? No disclosure or verification given. Noncompliance
Product: Credit card or prepaid card

I ordered XXXX XXXX XXXX online using my XXXX XXXX with Barclays Bank. I inadvertently checked a box that authorized XXXX to send monthly shipments to me as well as to charge monthly fees to my XXXX XXXX. When I got my XXXX statement and saw charges totaling {$160.00}, I called XXXX and advised them the transaction was fraudulent and to cancel order immediately. I got my attorney and XXXX on a three way call that was being recorded and closed my XXXX XXXX to prevent any further charges by XXXX and to please reverse the charges back to XXXX as fraudulent. Since XX/XX/2017, XXXX has advocated for the merchant against their customer, me. Even though the entire account balance was XXXXXXXX XXXX charges, XXXX has continued to charge me interest and late fees on this CC account so that the balance allegedly owed to XXXX is now {$300.00} and XXXX is reporting me as 90 days past due to all three Credit Bureaus negatively affecting my good credit. XXXX sent my attorney a written letter advising that XXXX had indeed reversed the charges which is why they could not credit my CC account, so if that's true, I owe XXXX nothing!
Product: Vehicle loan or lease

The vehicle was repossessed from the Finance company then it was sold at auction to a buyer for the value of the vehicle. The repossession took place on XX/XX/2022. The car was then sold to the auction 60-90 days after the repossession. After the car was sold there is a balance of {$15000.00} left on my credit report from XXXX XXXX XXXX of WOFC. It now has been placed on my credit as a charge off as bad debt/Profit and loss write off as a negative impact on my credit.
Product: Credit card or prepaid card

My company has filed unemployment benefit and Georgia Department of Labor have issued a Georgia UI prepaid card issued by XXXX XXXX  which I haven't received yet. Wanted to get a replacement card.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Request for Deletion of Account from Credit Report Dear XXXX XXXX XXXX, I am writing to address an issue regarding my credit report. It has come to my attention that my account with you, which was previously written off by your company for tax purposes, is still being reported as having an outstanding balance. As per my records, this account was written off, and I did not receive a 1099 form reflecting this write-off. I believe that this erroneous reporting is negatively impacting my credit score and overall financial health. In accordance with the Fair Credit Reporting Act, I kindly request that you investigate this matter and delete the account from my credit report within 15 days. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 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 XXXX 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment Account Dear Experian, I am writing to formally dispute a late payment entry on my credit report that I believe to be inaccurate. This entry is associated with XXXX XXXX Account # ( XXXX ), and it does not accurately reflect my payment history. 

The reporting of this late payment violates several provisions of the Fair Credit Reporting Act, specifically : 1. **15 USC 1666 ( b ) ** : This section requires that creditors provide accurate information regarding the payment history of consumers. The late payment reported on my account does not align with my records and is not a true reflection of my payment behaviors.

2. **15 USC 1637 ( a ) ** : This provision mandates that creditors must provide clear and accurate disclosures regarding the terms of credit, including payment schedules. I believe that the late payment reported is not compliant with these requirements, as it misrepresents my payment history.

I kindly request that you investigate this matter and review the evidence I have enclosed to support my dispute. I believe that upon review, the inaccurate late payment will be removed from my credit report. 

Please direct all communications regarding this dispute to my address provided above. I appreciate your prompt attention to this matter and look forward to your response within the time frame specified by law. 

Thank you for your assistance. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXXTWO COLLECTIONS ACCOUNTS XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the reported accounts, collections, or hard inquiries. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I was contacted by phone by someone claiming to be from The Department Of Treasury.His name was XXXX XXXX. He told me an arrest warrant was put against me. I was told I owed back taxes. HE TOLD me he had the authority to cancell the warrant if I paid the back taxes. HE used my debit card to the amount of {$2200.00} by using a XXXX XXXX  card.I have his number. Also he keeps calling my cell number .I was scammed on XX/XX/2019 between XXXX and XXXX XXXX.