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

The following 2 complaints were submitted to the CFPB on XX/XX/2024 : XXXX Complaint ID XXXX Experian Complaint ID XXXX Dispute # XXXX XXXX has closed the complaint yet did not remove the disputed items. This is not the first attempt to work with XXXX to remove the disputed accounts. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy, when a reinvestigation is required, the consumer reporting agency must 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 the file in accordance with paragraph ( XXXX ), 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 reseller. Additionally, After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( XXXX ) Conduct a reasonable investigation with respect to the disputed information ; ( XXXX ) Review all relevant information provided by the consumer with the dispute notice ; ( XXXX ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the 30 day period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( XXXX ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency. 

Per complaint # XXXX ( CFPB complaint for XXXX ) which was submitted on XX/XX/2024, all three reporting agencies received the same documents and only XXXX has resolved the issue in the 30day ( about 4 and a half weeks ) period ( see attached ). Once the disputed items were removed from my XXXX report, the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file is to sent to other such consumer reporting agencies. XXXX is in violation of 1681n. Civil liability for willful noncompliance. 

Dispute # XXXX For Experian, the complaint is passed the 30 day period per 1681i. There has been no additional information provided to Experian since the notice of dispute. This means there is no extension of the period to investigate, and Experian must provide results within the 30-day period, which they have not. Experian must promptly delete the items of information from the file of the consumer.

Per 15 USC1581i Extension of period to reinvestigate, except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

The consumer reporting agencies are reporting conflicting information. This matter has caused financial strain for months, and must be corrected expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX filled out an application for the XXXX XXXX XXXX on XX/XX/XXXX for my son XXXX XXXX. On XX/XX/XXXX I asked about the lease being signed by my son with his name and not mines and told them that was illegal. They allowed him to move in without my signature. My son moved out of the apartment due to multiple rent increases. When we both went and turned in the keys to the apartment and I had the new manager look at the lease and she noticed as well that my signature was not on the lease. Now the collection agency refuses to give me a copy of the lease and saying my signature is on it. Genesis Credit Management LLC is continuing to report false information under my name to all 3 credit bureau. I called again on XX/XX/XXXX and the man was very hostile with me. I need both companies to be looked into for falsely giving out my information to obtain financial gain.
Product: Credit reporting or other personal consumer reports

The XXXX account is unfortunately continuing to be displayed on my account while the following information is inaccurate and INCONSISTENT across XXXX, Equifax, and XXXX : XXXX ) Account Balance 2 ) Account Status 3 ) Open & Closed dates
Product: Debt collection

I called the company on XX/XX/XXXX to have a post dated payment in the amount of XXXX dated for XX/XX/XXXX deleted. The representative told me it was already deleted. The payment was still processed on XX/XX/XXXX. I called on XX/XX/XXXX to request a refund. I called back on XX/XX/XXXX to follow up, the rep I spoke with said no request for refund was submitted, but they would submit the request. Called back on XXXX spoke to another rep who said there was still no request submitted. Called again today, the request has still not been processed.
Product: Payday loan, title loan, or personal loan

I was doing my quarterly credit check and I found an account from affirm inc for {$700.00}. Tried to contact them in XXXX and XXXX with no luck to deny and have account removed. Somebody used my information to start and account without my knowledge.
Product: Credit reporting or other personal consumer reports

Experian has been billing my credit card {$24.00} per month for ten months ( XX/XX/2023 XX/XX/2023 ) for services I never requested, authorized, wanted, needed, or used, taking my money without my knowledge or consent. Their customer service via phone or on their website does not offer any means to report or complain about this. Both systems are menu-driven and none of the menu choices are applicable, deliberately making it impossible to report the problem to Customer Service XXXX
Product: Debt collection

Target, XXXX XXXX. Target has sent many notices and phone calls. Have threatened me with a law suit. Have an attorney ( XXXX XXXX ). Want the threats stopped and notices stopped. XXXX is worse. 10-20 calls a day. 5-10 calls to my cell. Several notices a week. Again I have an attorney. XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Subject : Dispute of Inaccurate Credit Report Information Credit Report Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Dear CFPB I am writing to formally dispute the inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), which gives me the right to dispute information I believe to be inaccurate or incomplete. 

The account in question is from XXXX XXXX XXXX XXXX, a collections company, with which I have no contractual relationship. Specifically, the details are as follows : Account Number : XXXX Balance : {$XXXX} Date Opened : XX/XX/year> Payment Status : Seriously past due/ Assigned to attorney, collection agency, or credit XXXX 's internal collection department Last Reported : XX/XX/year> Dispute Basis : No Contractual Relationship : Under 15 U.S. Code 1692e of the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to report accurate information and must not use any false, deceptive, or misleading representations. I do not have any contractual agreement with XXXX XXXX XXXX XXXX, which invalidates the reporting of this debt on my credit report.

Inaccurate Reporting of Debt : The FCRA mandates that all information on a consumer 's credit report must be accurate and verifiable. Since there is no contract or agreement between myself and XXXX XXXX XXXX XXXX, the accuracy of this reported debt is in question. Additionally, the absence of payment history and the derogatory information reported without adequate evidence further v

iolates the FCRA. Potential Violation of Consumer Rights : The continued reporting of this account as derogatory, without proper verification and in the absence of a valid c ontract, may constitute a violation of my consumer rights under the FCRA. Additionally, the failure to provide complete information about the payment history and the terms of the alleged debt raises concerns about the legality of this reporting. Request for Resolution : I request that [ Credit Bureau Name ] conduct a thorough investigation into this matter. If you are unable to verify the accuracy and legality of this information, I demand that this collections account be removed from my credit report immediately. Please notify me of the outcome of your investigation within the 30-day period as required by the FCRA. If the in vestigation reveals that the information is inaccurate, I request that the account be removed from my credit report and that I be provided with an updated copy of my report. Thank you for your prompt attention to this matter. If further information or documentation is required, please do not hesitate to contact me. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Gross incompetence on behalf of Zions bank. They did not stop a transfer as promised. They keep hiding behind XXXX to cover their mistake. It cost me {$700.00}. If all calls are recorded for quality purposes why don't they present it now? 

As promised I removed my business account to a real bank. If I want to be treated as a XXXX XXXX customer I will take my money to XXXX XXXX. 

Certainly the time has come for a change of leadership at Zions. Corporate greed has led to me leaving after 17 years.
Product: Credit reporting

Hello, I have been disputing the items which I would like to have removed from my Equifax credit report. I filed a complaint before and their response was that my work looked as if a credit repair company wrote the information. The information is written in black and white on my credit report. All I did was copy it and paste it on to the website. This type of shortness dismissal of hard working individuals is ludicrous and is not serving the public correctly. I did not use any form or verbiage from any agency.. This is just me. Writing and gathering information so that the credit bureaus could dismiss me and put me in a category without giving me a chance to explain myself. The CFPB is supposed to protect us, the citizens, from the credit bureaus who report inaccurate information.
Product: Credit card or prepaid card

I got a CC from CitiBank in XXXX of this year. I tried setting up a couple payments before I even had a due date, and because of that they closed my entire account. Made no sense. And it's now effecting my credit.
Product: Credit card

Hi I had a balance transfer promotional rate of 0 % that ended on XXXX XXXX, XXXX.. it is my understanding that the promotional rate end date is supposed to be on the monthly statements... I found out today when I looked at my statement because I found a {$140.00} interest charge ... I called Citizens and they admitted the promotional rate is not on their statements but they are working on it ... Can you help? 

Thanks
Product: Credit reporting or other personal consumer reports

accordance to the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the rights to privacy, 15 U.S.C. 1681 section 604 ( a ) section 2 also states consumer reporting agency can not furnish an account without my wriiten instruction, under 15 U.S.C. 1666 ( b ) a creditor may not treat payment on a credit card under a open and consumer or credit plan as late.
Product: Mortgage

XXXX XXXX XXXX has recently decided to charge extra fees for making payments during the month, i.e., pay 5 days after the first and get charged {$5.00}, pay anytime prior to the late date, up to the XX/XX/XXXX, {$10.00}. No where in my contract did I ever agree to pay additional charges for paying my mortage prior to the consider late date, the XX/XX/XXXX. I have wriiten to them twice with no response. I would prefer an answer to this practice.
Product: Debt collection

I visited property management office to request information on nonpayment of rent. I was told that management had changed and they can not provide me with information. I did provided proof of payment, but answer had not changed and was told to contact TransUnion or creditor. I did try both with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$32000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$32000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Convergent Outsourcing Opened XX/XX/XXXX {$590.00} Midwest Recovery Systems Opened XX/XX/XXXX {$7200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never opened any of these accounts. i have filed a Notarized identity theft affidavit and a police report to support my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Experian are delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. XXXX & Experian have failed the to respond within the 30-days outlined by the FCRA. The items I initially disputed should be removed from my credit report. Please investigate my concerns ...
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 
Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX - Incorrect Name # XXXX : XXXX A XXXX - Incorrect Name # XXXX : XXXX A XXXX - Correct Name : XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



XXXX. Outdated Address : - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Address # XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Incorrect Address # XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

XXXX. Wrong Date of Birth : none My Date of Birth is : XX/XX/XXXX XXXX. Wrong Employers : - Wrong Employers XXXX : XXXX XXXX - Wrong Employers XXXX : XXXX XXXX XXXX My employers is : XXXX XXXX XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Mortgage

My name is XXXX XXXX and the purpose of this complaint is in regards to PNC Bank commercial mortgages. Under the promise of a better banking experience, I refinanced my commercial office condo loan with PNC in the fall of XX/XX/2018. I did so, because my first lender failed to provide sufficient online access to my mortgage information. I worked with a specific banker, XXXX XXXX, who promised me, that by moving the mortgage to PNC, that I would have online access to statements, along with complete mortgage transaction history. This was important to me, because, as I shared with her, my goal was to pay off this mortgage early. The experience with PNC has been the opposite of what was promised. Not only are there no online statements available, nor any online transaction history, PNC doesn't even mail a monthly statement on this mortgage. Due to the poor experience, I'm in the process of changing over to XXXX XXXX for all my business banking. And I wanted to refinance my mortgage with XXXX as well. That's when I ran into the worst of all the PNC surprises. Although I specifically addressed with XXXX XXXX, my desire to have no early pre-payment penalties, she managed to sneak that language into my mortgage contract. To me, resolution is simple : eliminate the immoral pre-payment penalty on the office condo mortgage and permit me to transfer out my office condo mortgage to XXXX, a bank which appears able to fulfill its promises more than PNC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, ive recently disputed multiple inaccurate items by mail around XX/XX/2021 it has been well over 30 days and has yet to receive any type of notifications .You have fail to comment and failed to reply back with investigation results.Both being under violation which means you must delete all accounts from my report. 

XXXX XXXXXXXX XXXX XXXX late payment Please remove from my report XXXX XXXXXXXX XX/XX/XXXX late payment Please remove from report XXXX Please remove from my report XXXX XXXX XXXXXXXX please remove from my report XXXX XXXX Please remove from my report XXXX XXXX  XXXX Please remove from my report
Product: Credit card

My Apple Card was removed from my phone by no fault of mine and after 10 plus hours on phone with over 10 different Apple Card employees, they cancelled card and continued to allow charges on it. This has been going on for almost two years now and all I get is 25 plus harassment calls per week from them after spending so much time with so many different Apple Card specialists! Its all documented in their system! I had 100 % on time payment history! Ive told them time and time to stop with the nonsense! Im being treated like a criminal not a good customer that I was! They admit they were wrong but continue with the harassment on a daily basis
Product: Credit reporting or other personal consumer reports

I paid my capital one loan off on time, in full and a year prior to the maturity date. I recieved a loan payoff letter in XX/XX/year>. I then received a charge off letter from capital one in XX/XX/year> saying I had a balance due of {$300.00} some dollars.. I called capital one and quickly paid this despite the error on their side telling me about this month 's later and then not offering me the timely option to pay it. Capital one then reported to my credit that this was a charge off and still reports the account as having a balance. The charge off status is completely wrong as I paid this in full and on time. They blame the problem on an accounting error between my previous bank and there own but have never fixed the status on my credit.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services. 




I want complete DELETION of the account and the sum payable in the amount of {$1000.00} for each account VIOLATION.