23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This company does not allow me to pay my credit card over the phone anymore and therefore my payment will be late this month. Their automated phone system asks for info I don't have multiple times like a PIN # or an extension number to reach someone to make a payment and if I get out of the automated system I'm stuck on hold for XXXX minutes. I'm unwilling to wait that long to give them my money. I stopped paying by mail a long time ago because it took too long to arrive and XXXX time it never got there. I don't use any online banking either. Here 's the deal. I entered my SS # or account # and it still won't allow me to make a payment. I used to be able to make these payments because the system recognized my phone number. Now nothing allows me to use their automated payment system or will allow me to connect to a XXXX who can take that payment. Now my payment is a couple days late. This is now a company I would recommend never doing business with no matter how good their offers looks. Anyone can look online to see the issues in both their insurance and banking business now under investigation or class action lawsuits to understand why I am warning everyone to stay away from this company. You can get much better rates on insurance by finding a good insurance agency in your state and you can find local and better banks and credit unions too. As for credit cards I highly recommend XXXX card over USAA. I can always pay my bill over the phone with them in under a minute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below I disputed a transaction from Bay area rec. They verified the account was true without double checking to make sure they agency they were collecting for did in fact have a debt. I called the doctor in question and they found a mistake in their billing. They forwarded this information to Bay Area Rec but for some reason this is still on my credit report. 

BAY AREA REC Reported on XX/XX/XXXX {$560.00} Item Results Result : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 

Dispute Reason Ownership : I have no knowledge of this collection account. 
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you're not satisfied with these results you can go to XXXX XXXX  site and submit a Request for Investigation. You'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. 
Want to take it offline? You can print the Request for Investigation form and mail it to the address below. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX  using the address shown below. When contacting XXXX, provide your current file number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reportinig inaccurately on my credit report. There are several accounts that are not mine.This debt is showing from XXXX but I never received anything from them stating it was my account. I disputed with the credit bureaus and it was updated fraudulently with XXXX dates. I have no recollection of this debt and want it removed immediately from my credit report. I sent a certified letter last month no response as of yet.
Product: Mortgage

My monthly mortgage payment went up from {$560.00} to {$1000.00}. Although property tax went up, this is excessive escrow reserve. Provident Funding is  collecting too much payment for escrow.
Product: Credit card

I had my pocketbook stolen from my car on XXXX XXXX. I called all my credit card co 's to report the stolen cards and cancell all my cards and bank cards. On XXXX/XXXX/2017 I received my target statement which had a {$470.00} charge on it from XXXX made in XXXX, MA at the Target store there. Target stated that because the person charging the purchased used my pin that I was liable for the fraudulent charge. Target also stated that the items purchase were not what a typical fraud charge usually purchases. Iw as instructed to write a letter with the police report case # XXXX & my 4th precinct on XXXX XXXX Police Dept 's contact which I also submitted as Detective XXXX XXXX. I have never been to the location of the charge and because my entire pocket book was taken my address book was in the pocketbook as well, in the address book and on my cell phone there is an area where I note all my PIN numbers. I need help with Target, I called to follow up today XXXX/XXXX/17 over a month after sending the information that Target requested and they told me they had no record of my letter. I sent my letter with tracking XXXX on XXXX/XXXX/2017 Tracking nUmber XXXX and Target signed for this letter and the back up on. Target received and signed for the letter on XXXX/XXXX/2017 at XXXX at teh front desk at XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Please advise what should do moving forward. Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX - XXXX, XXXXXXXXXXXX
Product: Checking or savings account

On Wednesday XX/XX/XXXX I was instructed to write checks from my moms estate by the courts. She passed away in XX/XX/XXXX. I am the administrator. On Wednesday, checks were written from XXXX XXXX, a Bank of America company, to Bank of America. The amount on the first check was for attorney fees for a total of {$2500.00}. A second check was written for my mothers funeral for {$6000.00} and a final check of {$700.00} for obituaries. Initially Bank of America put a hold on all 3 checks. At some point the check for {$2500.00} became available on Thursday the XXXX. By XX/XX/XXXX 2 days after the checks were written all the funds were taken out of hold status and just returned. I contacted the bank and asked them why the items/checks were returned. They told me that the account I was writing the check from was closed. They transferred me to XXXX, a Bank of America company, and XXXX fixed the issuer at hand. I contacted bank of America back to let them know that XXXX fixed the account and said the checks were good to go. The estate account was not closed and it never was closed. I provided bank of American with the account number and any information they needed. Friday, the XXXX new checks were written for the same amounts. On Saturday morning my accounts were abruptly closed with no explanation even though all week I had been calling them to inform them about these checks. On Monday XX/XX/XXXX My mothers estate money was pending to go to Bank of America. How could this be? They told me the account was closed? Today is XX/XX/XXXX and now the checks are no longer pending. Bank of America has this money. All 3 checks are in their possession. XXXX set the account up wrong. Bank of America has {$9200.00} of my mothers estate money after pretending that the account was suspicious activity. My account are all joint accounts with my immediate family members so the entire family was impacted by this. My brother and sister. I have been a loyal proud customer at Bank of America for XXXX years now. They even gave me a home loan. I can not believe they put me in this situation. Can the accounts please be opened again. I have bills and it is the end of the month. Me & my family has been hungry with no gas money thanks to bank of Americas actions. The checks could have just been put on hold why shut my entire family down? They took my mothers retirement money.
Product: Debt collection

This company is in violation. I have requested the account contract between me and this company and they have yet to provide me with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$29000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion was incorrectly reporting that I was late on payment for my HELOC account. I have never missed or been late on a payment for this account and the balance is currently {$0.00}. I disputed the issue with Transunion and my score was corrected. However, the issue reoccurred the next month. I disputed the issue again with Transunion and they have done nothing to correct the issue this time. How many times should I have to ask them to fix this?
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward the information to FINANCIAL CREDIT NETWORK, INC. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out these companies thur via the credit Bureau and I haven't heard any response, feel I've been ignored and degraded im a women of proud and I demand this incorrect, inaccurate, and unverifiable Information ( inquiries ) be deleted from my report. 60 Days later no response is insane why take of someone who is trying so hard as a XXXX mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 I have Mailed XXXX, Experian and XXXX XXXX a request requesting deletion and update as to my Current Mailing Address XXXX, Experian and XXXX XXXX is reporting incorrect Addresses on my consumer disclosure report ( s ) as a result of fraudulent creditcards or other services using my personal information.

I have complied with the requirements from the bureau 's to confirm my identity and provided them with a legible copy of my State Issued Identification Card, Social Security Card and Proof of Current Mailing Address along with the details of my dispute under the FCRA. 

The Bureaus continues to report erroneous unverified or fraudulent addresses and accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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

I received a copy of my credit report and CBNA- Citi is an account listed. The account is fraud, and I immediately did a police report on XX/XX/year>. I requested them to validate the debt, and they failed to do so.
Product: Credit card or prepaid card

I am contacting your office regarding American Express. An issue has arisen that would seem to be a cause for investigation of American Expresss practices that are causing customers as I, unwarranted charges. 

To explain : I am an American Express credit card holder. 
Questionable Fee and Interest Statement summary : Statement Due Date Date Mailed Date Posted Fees Interest XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$27.00} {$10.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$27.00} {$12.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$2.00} As you can see XXXX and XXXX mirror each other. 

Every other month in between XX/XX/XXXX and XX/XX/XXXX my payments have posted 2-3 days after mailing. 

The same months exactly one year apart and I am assessed late fees and interest charges. The same months exactly one year apart and it takes 14 days to post my payment, whereas it typically takes 2-3 days. This is to much of a coincidence. 

This can not be an anomaly, something is wrong. Something is happening at American Express every XXXX causing payments to be late. 

If it happened to me, it has probably happened to others as well and American Express is making a lot of money collecting late fees and interest charges across the spectrum of their customers during the timeframe mentioned above. This is not right. I have the means to pay these charges but many people may not. These late charges may also be effecting peoples credit scores and thus their financial situation.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hours 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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. 

These are the accounts that are marked inaccurate. 

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

Dear CFPB, I am writing to file a complaint against Experian, a credit reporting agency. I recently contacted Experian regarding an old account that is now seven years old. According to consumer law, unpaid accounts should be removed from credit reports after seven years. 

Both XXXX and XXXX have already removed this account from my report. However, when I contacted Experian, I was informed that the XXXX account will be removed next year, which is an extra year beyond the required seven-year period. I am unclear about the reason for this discrepancy. 

I expect credit reporting agencies to adhere to consumer laws. I request that the CFPB investigate this matter and require Experian to remove the XXXX account from my credit report as soon as possible.
Product: Debt collection

The information provided for these accounts is insufficient for proper validation. I am requesting that you promptly remove these items from my credit report, as they do not meet the necessary criteria for accurate reporting. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and verifiable information on my credit report. I expect your thorough investigation into these matters and request confirmation of the removal of these accounts from my credit report. Kindly provide any supporting documentation used to validate these debts. 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 Also, This serves as my final communication before pursuing legal action against your non-compliant company. Please be aware that my intention is genuine, and I am fully prepared to take legal measures to protect my rights as a consumer. To potentially resolve this matter without legal proceedings, I am once again outlining the inquiries in question for your attention. Complying with FCRA regulations, I request an investigation into the following : XXXX XXXX XXXXXX/XX/2023 and XXXX XXXX XXXXXX/XX/2023. Attempts to contact these companies independently have been unproductive. The provided phone numbers on my credit report are inaccurate, and those companies I managed to reach have no record of my existence. This raises serious questions about the permissible business purpose behind these credit inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has failed to complete an investigation begun by Equifax in response to CFPB COMPLAINT XXXX regarding XXXX XXXX XXXX, account # XXXX. 
By function of credit law and procedure this fraudulent account should have been removed from this bureau 's report as it was done on XXXX and XXXX, long ago. 
THE EQUIFAX REPORT AS ATTACHED SHOWS THIS ACCOUNT '' UNDER INVESTIGATION '' YESTERDAY AFTER CLOSURE OF THE 30 DAY DISPUTE PERIOD begun by the response to the noted CFPB complaint above.EQUIFAX IS NOT HANDLEING THEIR WORKLOAD AND VIOLATES THE FCRA, to my detriment.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX Subject : Second Dispute Regarding Inaccurate Late Payments Dear CFPB, I am writing to follow up on a previous dispute regarding inaccurate late payment information reported on my credit file for the XXXX XXXX account ( Account # XXXX ). Despite submitting my initial dispute and your agency 's completion of an investigation, the inaccurate information remains unchanged. As such, I am requesting a detailed description of the investigation process, as required under the Fair Credit Reporting Act ( FCRA ) 15 USC 16811 ( 7 ). 
Disputed Information : The following account contains inaccuracies in the reporting of late payments that are inconsistent with my payment history : Account Name : XXXX XXXX Account Number : XXXX Credit Bureaus Involved : XXXX XXXX XXXX, Equifax Type of Account : Real Estate Mortgage Specific Errors Identified : Late Payment Reporting : Equifax XXXX Reports a 30-day late payment in XX/XX/year>. 
XXXX and XXXX : Report a 30-day late payment in XX/XX/scrub>XXXX XXXX 
Status Discrepancies : The account is marked as " Closed '' and " Paid, '' yet late payments are reported without any supporting evidence. 
Remarks : Conflicting and vague comments across bureaus, such as " XXXX XXXX account '' ( Equifax ) and " Closed '' ( XXXX ), do not provide clear information on the status of this account. 
Impact : These inaccuracies directly affect my credit score and do not reflect my financial responsibility. 
I have attached my credit report with highlighted discrepancies for your review. 
Summary of the Issue : To the best of my knowledge and records, I have consistently paid this account on time, in accordance with the terms of the agreement. The reported late payment in XXXX XXXX XXXX XXXX is incorrect and must be removed. I am also requesting clarification on why this error persists despite my initial dispute. 
Legal References : Under the FCRA : 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : Consumer reports should not contain inaccurate information related to transactions between the consumer and the data furnisher.

15 USC 1666 ( b ) : Procedures must be in place to ensure periodic statements are mailed no later than 21 days before the payment due date.

Requested Actions : Conduct a reinvestigation of this account and provide a written description of the process used to verify the reported late payment.

Remove all inaccuracies from my credit report and update the account status to reflect Paid As Agreed Never Late. 
Provide documented proof supporting the reported late payment, including specific dates, amounts, and correspondence. 
If you are unable to validate the late payment, I demand that the inaccurate information be corrected immediately. Please note, failure to rectify this matter within the legally mandated 30-day timeframe will constitute a violation of the FCRA. 
Thank you for your prompt attention to this matter. I expect a resolution in line with the FCRA and a written response regarding your findings. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XX/XX/XXXX I filed a dispute for equifax reporting false information. XXXX is showing 2 late payments when I have never had a late payment they are saying it is verified but there is inaccurate info being reported. I have not done business with XXXX until XXXX. A random late fee from XXXX that doesnt belong to my account and needs to be removed.
Product: Credit reporting or other personal consumer reports

Person or persons opened a credit card with JPMCB fraudulently ( ID Theft ) using my name and Social Security Number on or about XXXX of XXXX. I first became aware of this in XXXX of XXXX when my credit was destroyed and my normal bank accounts were affected as my credit rating plunged. After review of various credit bureaus it was discovered that the person/persons involved in the ID Theft had opened several credit card accounts with XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  and JPMCB/Chase Bank using bogus addresses in Florida and possibly other states. I have NEVER lived in any other state other than Connecticut for 50+ years and even have a copy of the original building permit I took out to build my house. After months of calls, filing out a police compliant with my local XXXX Ct police dept., compliants to the Federal Trade Commission and a ID Theft affidavit form to the IRS, as well as proof of my true identity ( driver 's liscense, proof of address using recent bills from electricity and VA admin., copy of passport, etc. ) all banks, WITH THE EXCEPTION OF CHASE BANK, have acknowledged that I am indeed the victim of ID Theft and are not responsible for these cards. I did receive a XXXX XXXX letter from Chase absolving me which they NOW SAY THEY HAVE NO RECORD OF ( I still have letter )