23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Acct ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unreasoulve. 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 furnisher, accepting unreliable response, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provide, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute account, as Experian 's inaction violate federal laws and my rights as a consumer.
Product: Debt collection

I have reason to believe that AES/PHEAA is not allocating payments fairly with respect to current legislation for Student Loan lender laws either Federally or by State. AES/PHEAA is growing to be an increasing problem for many borrowers. While they maintain they are just following protocol, they are engaging in illegal practices by only applying small figures of a total Payment to loans in their favor. Should they disagree with this analysis, I am challenging AES/PHEAA to send a copy of all financial transactions in the last 6 months for where any partial part of a total payment was applied. For historical accuracy, AES/PHEAA should provide a detailed breakdown of what exact amounts were applied to what Loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX. 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
Product: Credit reporting or other personal consumer reports

I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to XXXX, Equifax and XXXX upon my first complaint on this matter.I have sent them countless mail to resolve this matter and they keep sending me a automated message saying that the accounts are valid. I have filed FTC complaints and mailed them to the credit bureaus as well. I have also been keeping up with complaint letters I have been sending them via certified mail. I don't feel they are doing the proper investigations on my accounts and I would like to know what are the steps they are taking to validate the accounts. I want the following fraud items REMOVED from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's against the law for me to complain about the proper construction of my credit report and said agencies to not fix the resolution in a timely matter. I have been complaining for the last 3 months and keeping up with my complaints I will now be filing reports with the attorney general about this matter on all 3 agencies and expecting monetary relief for my pain and suffering.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXXXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXXXXXX XXXX signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

The case Martinez v. XXXX XXXX ( 2014 ) clearly establishes the responsibility of CRAs to correct inaccuracies. Additionally, [ 15 USC 1681s-2 ( a ) ( 1 ) ] requires consumer reporting agencies to maintain the highest level of accuracy. Please rectify these discrepancies promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$1200.00} XX/XX/XXXX XXXX  XXXX XXXX {$1000.00} XX/XX/XXXX XXXX  XXXX {$5100.00} XX/XX/XXXX XXXX  XXXX {$3600.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$780.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX NA XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$140000.00}
Product: Money transfer, virtual currency, or money service

Im following a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act and Regulation E. These actions has have called significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

well i went in to review my scores and my score at first was XXXX now i go back in to my report and all these points have come down to XXXX! i had 5 total creditors that i deal with 4 approved me and 1 did not! 3 points per inquirery is nor a standard to take all my good credit scores away like in encrements of 8 and 7 with no reasons exsperian is this complaint i will view my other 2 creditor reports but this is not correct i want my points back my record had nothing on it prior to this!
Product: Checking or savings account

Using the PNC Bank online web site, we transferred {$2300.00} from our checking account to the PNC credit card account on XX/XX/XXXX. The money was deducted, but not credited to the card. We discovered this on XXXX, and notified the bank. Weve called them three times since then, and they said they would fix this and get back to us. They havent done either.
Product: Credit reporting or other personal consumer reports

The Unfair credit reporting Act state that these inquiries are unfair and unauthorized. 
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
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Citibank AAdvantage Platinum Select World Mastercard for my business, which was approved. 

I tried but could not save a PDF of the offer made to me on my computer. In each instance the link would print a blank page. I did not take a photograph of of the offer which I now do as a standard practice to prevent fraud. 

Before applying, I called a Citibank customer service representative who confirmed the details of an offer made by Citibank to me that included an award of XXXX XXXX miles I was eligible for. 

The offer made to my business by Citibank and the one I accepted was to make purchases of {$2000.00} or more within 90 days from opening my account to be eligible for an award of XXXX XXXX XXXX miles. 

I exceeded the amount of purchases required ( > {$3000.00} ) within the requisite period ( 90 days ) from when Citibank opened up my business account. 

I sent letters on XX/XX/XXXX and XX/XX/XXXX to Citibank and made several calls to their customer representatives. In each instance, Citibank wrongly insists I accepted an offer to make purchases of {$4000.00} or more within 90 days from opening my account. 

Citibank has not produced a copy of the contract offer made to me that I accepted to make purchases for my business. Nor did I receive any notice that any of the terms of Citibanks offer were changed in any way. 

Citibank refuses to award the XXXX XXXX miles I should have been awarded.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Florida XXXX XX/XX/2023 Hyundai Finance XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX Subject : Dispute of Charge-Off Under 15 U.S.C. 1666a Alleged Illegal Down Payment and Unauthorized Credit Inquiry Dear Hyundai Finance, I am writing to formally dispute the charge-off on my credit report related to my account XXXX. I assert that the charge-off was based on a down payment that I believe was inaccurately deemed illegal, coupled with an unauthorized credit inquiry. I am invoking my rights under the Fair Credit Billing Act, specifically 15 U.S.C. 1666a, to address and rectify these issues. 


Account Number : XXXX Date of Charge-Off : XX/XX/2023 I recently discovered that the down payment made on XX/XX/2023 has been incorrectly categorized as illegal under the Fair Credit Billing Act. I believe this mischaracterization has led to the unwarranted charge-off on my credit report. Attached herewith are documents supporting the legality of the down payment, including receipts and relevant transaction records. 

Additionally, I have reason to believe that an unauthorized credit inquiry was conducted in relation to this account, which may have adversely affected my credit score. I request comprehensive details on the nature and purpose of this inquiry, as well as any documentation proving the authorization obtained for such an action.

In light of the aforementioned discrepancies, I kindly request a thorough investigation into the circumstances surrounding the alleged illegal down payment and unauthorized credit inquiry. I am entitled to fair and accurate reporting of my credit history, and it is crucial that these matters be promptly addressed and rectified.

As a remedy, I am seeking the removal of the charge-off from my credit report. I kindly ask you to correct any inaccuracies and update my credit report accordingly.

Please provide documentation supporting the charge-off, details regarding the down payment 's legality, and information on the unauthorized credit inquiry. Additionally, I request copies of any agreements, statements, or correspondence related to this account.

I am aware of my rights under 15 U.S.C. 1666a and expect your timely response to this dispute. Your cooperation in resolving these issues promptly is appreciated. Add I wish you to cease and desist. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX XX/XX/2023
Product: Credit card or prepaid card

I am an AMEX platinum card holder and I booked a package vacation for flight and hotel to XXXX XXXX. Arriving XX/XX/XXXX returning XX/XX/XXXX. Hotel : XXXX. Flight : XXXX XXXX XXXX. Prior to booking I called amex travel to confirm perks of booking at one of their Fine Hotels and Resorts ( XXXX ) and I was told that we would get : Noon check-in, when Available Room upgrade upon arrival, when available Daily breakfast for two people : {$30.00} per person, per day valid at several XXXX Restaurants In room wi-fi Guaranteed XXXX late check out {$100.00} property credit to be used during stay for spa or dining I called the XXXX to confirm these benefits but was told I did not qualify for these benefits because the reservation that I made thru AMEX travel was booked thru a 3rd party ( XXXX ). I explained to the rep that I did not book anything with XXXX and that it was booked thru AMEX but she rudely told me that I would have to call AMEX.

I then called AMEX and their statement was that because I booked a package deal the perks would not be honored. I don't feel that this is fair because it was not explained to me prior to booking. I also could not find any statement on their website that explained this. I feel that this is very misleading because these benefits are boldly listed on their amex travel website. We are paying {$720.00} annual fee to have this card for the benefits but we feel that we have been mislead and the representative should have thoroughly explained these details. It should also be boldly stated on their site that you loose these benefits if package ( hotel & flight ) is booked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report Identity Theft that has been going on for years. I never knew much about credit or cared to use it until recently. Now that I'm looking to build my credit I've noticed several things on my report that I have never opened. I've sent dispute letters in the past and have been having a hard time getting everything removed.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX CC XXXX CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXXXXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX  XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX. fraudulent account XXXX XXXX XXXXXXXX fraudulent account XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 XXXXXX/XX/year> 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 card

XX/XX/2024 bank card application is pending from debit card XXXX XXXX XXXX. That's unacceptable. I'm illiterate, and that is not a XXXX name format. My XXXX XXXX name is a bank card ledgered credit account of liability communism.
Product: Debt collection

I called national credit ststems on multiple occasions every time you call they try to demand that the debt is yours. I have filed a XXXX  report, ftc and police report regarding this debt which all have been submitted. The XXXX police department even reached out to me becuse my information have been compromised they have yet to provide a document where I stated I owe national credit systems or a contract stating Im going to pay them. They are Saying I owe them for two properties which was filed illegally. 

Account number XXXX Account number XXXX
Product: Debt collection

This is a complaint from XXXX XXXX against Diversified Consultants for Diversifieds failure to cease reporting on a dept that has been paid. On XX/XX/XXXX, Consumer paid the original creditor in full ( see attached statement ). On XX/XX/XXXX, consumer ( through legal counsel ) disputed the open account with Diversified on her credit reports. 

It has been 30 days since this dispute, and we have received no response, and the account is still being reported on Consumer 's credit report. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged, and continuing to report an account that has been paid by the Consumer negatively impacts her credit score. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Checking or savings account

`1The company chime closed my account randomly. They have received a check from XXXX XXXX XXXX for XXXX ; XXXX XXXX usa dollars. I was in a hit and run accident and my claim denied so I canceled my XXXX XXXX and they sent the policy refund to the account that was closed now they are investigating as they think they made a mistake. I was supposed to get this check over a month ago and the account was closed when XXXX sent it to chime. Im supposed to get a check XXXX XXXX and now they said the check is lost again. I have medical bills and medications as Im federally XXXX and I was XXXX and had XXXX XXXX during this and I really need help getting my money. Ive sent over 50 emails every day asking for anything and they say the same thing over and over, they even call me by my email name and not my account name. Terrible,
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Email Address : XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update & REMOVE this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Debt collection

I had a credit card debt with Chase bank. I closed the account in XXXX XXXX after the interests rates were elevated to & gt ; 18 %. The debt was sold in XXXX to XXXX ( wrong amount stated ) In XXXX XXXX the law firm XXXX in XXXX Forida filed a suit ( past the 4 year statute of limitations ) for a default judgement stating XXXX of XXXX was the attorney to answer to .. very confusing. a week later I received a settlement offer from XXXX. ( I was in no position to make the payments asked ). In XXXX of XXXX now five years later- I had my wages garnished and on the garnishment it said-XXXX, as assignee of XXXX as assignee of Chase! Ultimately I had over XXXX dollars garnished for an old debt from Chase by XXXX.. that had been through 3 third party debt collectors --