23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Terrible company!! I didn't use the cards, I can't use it, can't check the balance. 
Called the company number XXXX, they informed me that cards been compromised but they can't open a dispute or do anything because i called after 60 days. WHAT!! Was it my fault from the beginning!? I pretty sure i called during the 60 days but it show how nasty they are. 
Cards number XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for the details of the procedures used to determine the accuracy and completeness of the information in dispute because you told me you verified the accounts and that they belong to me but have not provided proof. It is scary to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected, as well. Having this type of information on a persons credit report is unfortunate and severely damaging but having incorrect damaging information on a persons credit report is unacceptable. 

The following accounts don't belong to me at all so please look into this for me. 

SANTANDER - XXXX - Last month I sent you a letter stating that this needs to be looked at. I see no proof of an investigation done at ALL! There are XXXX different activity dates being reported. Investigate this account and provide proof it was done! Remove this inaccuracy from my credit report or I will sue! I do not know what this is. Please investigate and remove from my report. 

XXXX - XXXX - Last month you stated that this is reporting accurately. However, I see XXXX different activity dates being reported on this account. Show me the proof that this is actually my account otherwise delete this from my credit report. 

I am requesting a detailed explanation of how you received these specific responses. 

Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit report along with the description of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard credit inquiry from ELAN FIN SVCSBMW on XX/XX/2023, and I never had any business with this company. I tried to call them but have never been able to speak with a real person. They also use this phone number ( XXXX ) XXXX for my credit report, but this is not my phone number.
Product: Debt collection

I paid the {$580.00}. I don't know how they came up with this amount.
Product: Credit reporting or other personal consumer reports

The credit agencies are allowing Bridgecrest to report partial information. The balance is missing. Balance is XXXX. Please fix or remove.
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 account 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 furnishers, accepting unreliable responses. And failing to adequately notify consumers of dispute outcomes. 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 Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am submitting a complaint regarding XXXX XXXX XXXX for inaccurate reporting on my credit files with Equifax, XXXX, and XXXX. The information being reported contains incorrect original credit amounts, dates, and installment details, which is unfairly impacting my credit score and financial profile. I respectfully request the CFPBs assistance in ensuring that XXXX XXXX XXXX corrects these errors and updates the information accurately across all three credit bureaus. 

Account Details : Creditor : XXXX XXXX XXXX Reported Issues : Incorrect original credit amount, incorrect dates, and inaccurate installment type reported inconsistently across Equifax, XXXX, and XXXX Issue Summary : XXXX. Inconsistent and Inaccurate Reporting : XXXX XXXX XXXX has reported incorrect information across the credit bureaus. These inaccuracies include incorrect original credit amounts, inaccurate dates, and the wrong type of installment structure, creating a misleading view of my creditworthiness. 


XXXX. Failure to Correct Errors : I have attempted to resolve these inaccuracies directly with XXXX XXXX XXXX. However, no corrections have been made, and the inaccurate information continues to appear on my credit reports, unfairly harming my financial standing. 



Please be advised that this letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing this claim and requesting immediate validation of the reported information. Due to the inaccuracies and inconsistencies, I am requesting immediate correction and alignment of the information reported by XXXX XXXX XXXX XXXX Equifax, XXXX, and XXXX. 

Resolution Requested : Immediate correction of all inaccurate information reported by XXXX XXXX XXXX, including original credit amount, dates, and installment type on Equifax, XXXX, and XXXX. 

XXXX that XXXX XXXX XXXX will update its records and ensure accurate reporting practices going forward. 

Confirmation that XXXX XXXX XXXX has provided the corrected information to each of the three major credit bureaus to prevent future discrepancies. 


These reporting inaccuracies have caused significant harm to my credit report, and I am seeking the CFPBs support in ensuring that my credit file is updated fairly and accurately. 

Thank you for your attention to this complaint. 

Sincerely, XXXX XXXX
Product: Mortgage

Attempting to sell our house in a short sale with Bayview Loan Servicing. The process has been ongoing since XXXX XXXX. We finally got an approval to close on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX there was a minor change regarding funds to close. It was submitted back to Bayview. They had stated the investor had to review it and that a rush was put on it. On XXXX/XXXX/XXXX we have still not heard back. I attempted to call and was given a XXXX 's name to call on XXXX/XXXX/XXXX as they were going to reach out to the investor. It appears from my point of view that this company is attempting to delay this closing of the mortgage. The buyers are greatly affected by the lack of urgency or even timeframes that are never provided. This has been a horrible experience. The realtors, title company, and lawyer advised to file this complaint as they have never experienced a situation like this in the past.
Product: Credit reporting or other personal consumer reports

According to the most recent reinvestigation conducted on XX/XX/XXXX  Report Number XXXX, I am seeking clarification on the verification process and the method employed to substantiate the reported information. 
As per the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ), credit bureaus are mandated to perform a reasonable reinvestigation when a consumer disputes an item on their credit report. I am seeking detailed information on how the recent reinvestigation was carried out, including the method of verification. 

Verification Method : How was the information verified during the recent reinvestigation? 
Specify the method used, whether through written communication, electronic verification, or other means. 
Person Contacted : If a live person was contacted, kindly provide the name, title, and phone number of the individual. 
If the verification was conducted through a phone call, please include the date and time of the call. 
Transcript of XXXX : If a phone call was made, as calls are recorded, I request a transcript of the call, including the date and time for verification purposes. 
If Experian is unable to provide the method of verification in accordance with the FCRA, it raises concerns about the legitimacy of the recent reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are NOT mine. There must be a social security number mix up or a name alias issue. I have never applied nor authorize anyone to open the following accounts. Please delete from my credit asap! I have attached a screenshot of the two accounts. 

- ComenityBank/XXXX - COMENITYBANK/VICTORIASECRET
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter requesting a full investigation and removal of National Credit Systems , Inc, XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX to XXXX. Because my sister and I do not owe National Credit Systems or XXXX XXXX XXXX any money for rent or damages as they have claimed. We dont owe them {$5000.00}. It is not a judgment in the favor of any companies listed above. We dont have an eviction or monetary judgement from or for XXXXXXXX XXXX XXXX  or National Credit Systems XXXX XXXX has had over 45 days to fix and to remove the false information for our credit report, but have fail to do so. On the XXXX has falsified information such as saying that we owe {$5000.00}, missing information about last payment date, Date of First Delinquency XXXX XXXX, XXXX. We have judgements in our favor against XXXX XXXX XXXX which shows that we was not evicted and do not owe them anything. I believe that XXXX have violated my rights under Fair Credit Reporting Act such as 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, 15 USC 1681e, 15 USC 1681g, 15 USC 1681h,15USC 1681i and much more.
Product: Checking or savings account

I opened up my own bank account and XXXX XXXX XXXX was suppose to close me out of his account. In the meantime, he received a check for almost 60,000.00. He also received two XXXX checks he had told me that the {$60000.00} check was from his home mortgage company and the other two checks were from stocks from his old company he worked with. I knew nothing where the money actually came from except what he had told me. He said he had taken me off of his account and I had already given him back my debit card from that account. One day, a Mrs. XXXX from Wells Fargo contacted me stating that XXXX XXXX XXXX owed them over 45,000.00 dollars and had told me that he was involved with a check scam. I was shocked that she was giving me this information because I had thought I was no longer on the account and had no access to these funds. He always had online statements and never let me know. I have divorced him and when I remarried my husband and I went to Wells Fargo to add me to his checking account and they said I could not do that because I was still on XXXX XXXX XXXX XXXX this account. I contacted XXXX XXXX XXXX at XXXX and he told me that once he closed his account that was when he had me removed from it. So the whole scam is under my name as well, and I had no clue that this happened. XXXX XXXX XXXX never did do what he said he told me about removing me from the account when I opened up my own personal checking account with Well 's Fargo. I didn't think my ex-husband would be a victim to this but he never let me know what happened and I still don't know what is going on with it as of today. I found out when I went to get my name on my new husbands account. The bank asked me to file a claim and then once it is filed they would see if I can get added to my new husbands checking account. So this what happened.
Product: Vehicle loan or lease

A loan request ( refinance ) was done XX/XX/2019. It was denied. 
Verbally, a representative took the complaint regarding the extra interest. Chase refused to refinance and never addressed that. Chase sent papers for " voluntarily surrendering '' the vehicle. Using Chases secure messaging a request was made asking that Chase " waive the defiency ''. This was also denied. When the vehicle was purchased I was told I could refinance in 6 months. That was not true.There were several misconceptions. 

During this time Chase phoned no less than 8 times, which would have been great had I known it was Chase. The calls were all toll free and I thought they were robotic calls trying to get money. Also, I did not know how to retrieve the voice mail. My wife got them all today Monday XX/XX/2019. When I became ill my wife stopped working to care for my needs. So the extra income we had was gone. A lower interest rate would have really helped during this difficult time. It is emotionally and financially draining. 

Late fees were applied more than I can remember. No matter if the payment was on the XXXX or XXXX day of the month, there was a late charge. That was never addressed. Verbally, Chase said " payment isn't late till the end of the month ''. That wasn't true. This was also a hail damaged vehicle. Because of my XXXX I couldn't see all the damage on the top of the care. 
Below is what I believe has happened with me ; Article by XXXX XXXX " The editorial page of the XXXX XXXX XXXX recently weighed in on an important but underappreciated aspect of the financial crisis : The systematic targeting of communities of XXXX for risky and unfair loans. As the XXXX put it : Pricing discrimination illegally charging minority customers more for loans and other services than similarly qualified XXXX are charged is a longstanding problem? '' After the fact of dealing with Chase, several articles have stated that higher interest rate loans are given because they know you will default because rates are too high to be paid back. Shame on Chase. 
Being an older person I thought I would be treated fairly and without partiality. That isn't true. 
We are doing the best we can under our circumstances. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/2023 ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Checking or savings account

About a month ago, I made a transfer through XXXX from my Citibank checking account to another one of my accounts. I believe this prompted a security alert that has made it impossible for me to access my account. I have tried to verify myself with Citibank by providing my bank balance, my social security number, the last four digits of my checking account, the reference number on a letter sent to me by Citi, and my card PIN. I believe the problem stems from that my phone number has changed and they can not verify me to that old phone number. I recently XXXX XXXX XXXX XXXX XXXX, and when I did, I called Citi to have my phone number changed to my new number. However, Citi told me it was impossible to change to a non-US number and assured me it would not be a problem to keep my old number associated with my account, even though I didn't have access to it anymore. 

Citibank has my life savings and has not let me access it for over a month. I just want my money at this point. 

Barring one office for corporate clients, there is no Citibank in the country where I am living ( I have tried to approach their corporate office and they rejected seeing me ). And even though I am back in the US for the holidays, the closest Citibank is a long plane ride away. I just want my money. PLEASE HELP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed under 15 USC 1681. And they violated my rights several times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish 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
Product: Money transfer, virtual currency, or money service

on XX/XX/18 I attempted to transfer {$740.00} from my PayPal business account XXXX into my main business bank account. When I attempted to do so I received a security check for this transaction and was told there would be a delay and that they would have to review this transaction first. I contacted PayPal via their customer service line at XXXX PST on this day and spoke with XXXX operator number XXXX as he identified himself. I inquired about this transfer hold and he said it was a risk notification from " their algorithms ''. I said " What risk would that be as this transaction isn't outside the scope of our normal business? '' I mentioned that we did have an open dispute with a client but we had already submitted our proof of service to counter this claim. 

He said that there were XXXX 's of things the system looked at and that it was proprietary. I told him that if I walked into a bank and they placed a hold on a transaction they'd have to explain why and that there are regulations for holds like Regulation A, B, C etc ... 

He told me that they were not a bank but a payment processor and the only rules that they had to adhere to was regulation E. Surprising that he knew regulation E for someone who didn't know that there was a regulation A B C and D. He then told me that this was a part of the user agreement that I agreed to when I signed up. He said I could click the legal link at the bottom of the page. I asked him to point me to this specific area where I could find this user agreement. He told me he didn't have time to direct to me to his user agreement and that I should find it myself. So he couldn't tell me why the transfer needed an additional review and he refused to direct me to the policy and there are no rules it's just whatever the system says. This makes absolutely zero sense.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that is not being reported accurately. Specifically, it reflects two late payments on an account for which I made all payments on time.XXXX ACCOUNT NUMBER STARTING WITH XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report information with complete accuracy. This account has always been in good standing, with no late payments. I have attached a copy of my credit report highlighting the inaccuracies for your reference. 

I am requesting that you investigate this matter and provide verifiable proof of the late payments reported. If this information can not be verified, I kindly demand that the late payment records be corrected to reflect on-time payments immediately. 

Thank you for your prompt attention to this matter. Please confirm receipt of this request and update me on the status of your investigation.