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

To Whom It May Concern : I am seeking your assistance before taking legal action with Experian and XXXX XXXX. I am seeking a remedy to the damage inflicted on me due to Experians and XXXX XXXX XXXX  XXXX  negligent actions. My credit and FICO score has been hindered 10 -20 points due to a lack of action taken by both parties to not rectify the issue. 

1 ) I have sought to have my XXXX XXXX XXXX XXXX account taken out of negative status due to my Chapter XXXX reaffirmation agreement being legally rescinded on XX/XX/XXXX. Therefore, there is no more negative credit history for this account # for the XXXX XXXX XXXX XXXX XXXX  for VIN # ______________________, I have a 60 day window in which if I legally rescind the agreement it's as if the time period never existed. I have filed more than 3 -6 disputes with Experian. The Chapter XXXX filing of postal certified receipt, letter and email has also been given and used as a basis for determination by Judge XXXX to set an official decision against XXXX XXXX XXXX XXXX, since it was being challenged. 2 ) I assume XXXX XXXX XXXX XXXX has reported information to the contrary, despite me submitting all the legal paperwork as proof in my dispute to Experian. My account is still reporting negatively, as a Charge-Off ( CO ) and No Payment ( NP ) 3 ) Additionally, I was recently contacted by XXXX  XXXX XXXX  XXXX   representative around XX/XX/XXXX around XXXX. I was asked if I wanted to keep the car, with no mention of the issues and no payment due to rescinded reaffirmation auto agreement. When informing the XXXX XXXX XXXX XXXX representative of the prior legal proceedings and communication, I told him I only wanted to have the car picked up due to me rescinding a reaffirmation agreement. The representative advised me that they would provide me notice upon request within or at least 18 days of us speaking. 

The issue aforementioned is not exhaustive collectively or individually on each party, however I know these are violation of a ) US Bankruptcy law and b ) FCRA law partially or in whole. Experian : I am seeking a point scoring system or rubric guide on how Experian deals with credit reporting. I have seen adverse action taken ( drop in FICO score ) on the XXXX XXXX XXXX XXXX account when allegedly the account was reported to be in bankruptcy, when it was already considered 90 days late and charged off. 

Additionally, Experian has allowed XXXX XXXX XXXX to add negative credit history to negatively affect my credit by retroactively reporting negative payment history on a lawsuit and default judgement in XXXX XXXX, IL in XXXX for an auto loan. 

I would like the information for Experian and or XXXX XXXX XXXX and XXXX  XXXX to post the correct information and delete the negative status information on my credit report that should be provided post Chapter XXXX discharge. 

I look forward to hearing from you. 


Sincerely, XXXX XXXX XXXX
Product: Credit card

My wife ordered a Outdoor storage shed and a Green house from XXXX XXXX for XXXX and XXXX respectively on XXXX XXXX and paid for it via Citizens credit card, number and details on file with Citizens Bank. XXXX XXXX refunded XXXX, the cost of the storage shed due to unknown reasons. The green house was never delivered and when we attempted to resolve the issue with XXXX XXXX ( XXXX XXXX ) they did not make delivery of the greenhouse or issue a refund. 
I contacted Citizens bank on XXXX XXXX and filed a claim to dispute the XXXX charge. Citizens Bank initially issued a credit for XXXX following which I received a correspondence from Citizens on XXXX XXXX stating that the 'merchant provided documents shows that the services were rendered as contracted '. The letter from Citizens also noted that I am obligated to pay the entire disputed amount of XXXX ( please note that the amount I disputed is XXXX ( XXXX ). This letter also informed me that if I wished to continue the dispute to submit additional information to Citizens Bank no later than XXXX XXXX. 
When I received this letter from Citizens Bank, I contacted Citizens bank on XX/XX/year> via Phone and spoke to a supervisor in the fraud department and notified him that I am still disputing the claim. He filed two claims, claim number XXXX for the claims department and XXXX for the executive office, apparently to escalate my complaint to the respective departments. I informed the supervisor during this call that I would like all correspondence from Citizens Bank in writing only. 
Please note that the documentation submitted to Citizens Bank by XXXX XXXX and subsequently delivered to me in the later dated XX/XX/year> was very difficult to read due the font size and contrast. I did locate a XXXX tracing number that XXXX XXXX had included in the correspondence contacted XXXX, and was told by XXXX to contact XXXX XXXX products, and provided with a XXXX phone number to XXXX. I contacted XXXX and was informed that XXXX deals with home appliances and not with green houses and hence they were unable to assist me further. 
I informed Citizens bank via email, as a return email to a previous correspondence that I received from Citizens, on XXXX XXXX to inform them about the above conversation with XXXX and XXXX and asked Citizens to investigate this transaction further. 
I did not receive any reply to my email dated XXXX XXXX or to the two claims filed by the supervisor in the fraud department as XXXX XX/XX/year>. When I contacted Citizens Bank on XXXX XXXX I was informed that claims department had noted on my account that they did not receive any correspondence from me as of XX/XX/year> ( which is not true, I sent an e-mail on XXXX XXXX as noted above ) and hence the dispute is closed and the charge of XXXX has been applied to my account for me to pay. 
Please note that I had extensive conversations with Citizens on XXXX XXXX during which I was notified that I am unable to speak to someone in claims department in a customer initiated phone call which makes it difficult to resolve the issue or provide information to the department that is directly involved in this dispute.
Product: Credit card

To Whom It May Concern, I am writing to formally dispute the late payment notations that have been reported for my Capital One credit card account in XX/XX/XXXX and XX/XX/XXXX. These late payments do not accurately reflect the circumstances that led to the delays, nor do they align with my overall positive payment history. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate. Please investigate and verify that all data for this account is reporting accurately, including every notation, date, and balance, whether reported or not. 

I also respectfully request to be provided specific proof that these alleged late payments were, in fact, late. I request to see all statements and payment transaction records from Capital One that would prove my payment was not submitted on time. It is my understanding that these items must be verified for accuracy. If Capital One is unable to provide that proof, or if there is a lack of proof of these payments being late, I kindly request that you update my payment history to PAANL ( Paid As Agreed, Never Late ) status in compliance with consumer protection laws. 

While I acknowledge the missed payments, I would like to note that I have made 98 % of my payments on time over the life of this account, which I have held since XX/XX/XXXX. The missed payments in XX/XX/XXXX and XX/XX/XXXX occurred due to a period of financial difficulty during my transition out of military service, as I awaited my VA XXXX benefits. Once I received my back pay, I promptly caught up on all obligations and have remained current on this account ever since. 

Given that I have demonstrated consistent financial responsibility throughout the majority of my accounts history, I respectfully request a review and removal of these late payment notations, as they do not fairly represent my overall creditworthiness. 

Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Debt collection

I was looking at my Credit report on XXXX when I noticed that I had an account in collection for XXXX dollars. I looked up the company Gragil Associates and called them Spoke with a Ms. XXXX XXXX. After getting my information she pulls up account with wrong address. Address is actually XXXX year old sons and the bill is actually for treatment he received but they are listing me as responsible. After being put on hold she comes back on phone and states that they will fix their report to the Credit Bureau in 1-2 weeks. This report was fraudulent and has effected my credit score already and they never contacted me before reporting and now they want time to fix it. This company has had many reports on deceptive collection practices and its Time that they face actual action for trying to ruin peoples lives as it was I was denied credit through XXXX card for being in collections which I could not understand now I know exactly who did this to my Credit!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard pull by Credco on my report from XX/XX/XXXX that I did not authorize. The only hard pull I have ever authorized on my account in my whole life was in XXXX of XXXX for my car and my first and only credit card a week or so later. I have NEVER applied for a mortgage or any other kind of loan and did not authorize this hard pull. Now I am trying to apply for a Mortgage and see this and am furious about it, this fraud needs to be removed from my credit report and the company that committed the fraud needs to be reported.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently f8oed 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 accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm making this complaint to alert you that I was a victim of identity theft. I researched how to remove the fraudulent accounts from my report and discovered that I needed to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and that Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report per FCRA section 605b. Please see the ATTACHED materials for assistance in preventing the incorrect information that is being uploaded to my report. The following is a list of objects that do not belong to me and were opened without my consent. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6900.00} XXXX XXXX XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX & XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$7200.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

My account with COMENITYBANK/VICTORIA was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX has engaged in fraudulent student loan reporting, breach of fiduciary duty, and failure to honor lawful tender and settlement obligations under federal law. Despite a properly submitted Accepted for Value and Redeemed for Lawful Money notice, XXXX continues to unlawfully demand payment and misreport the status of the loan, violating 12 U.S.C. 411, 31 U.S.C. 5118 ( a ) ( 2 ), and 50 U.S.C. 5118 ( b ) ( 2 ).

Additionally, the recent data breach exposed sensitive financial and personal information, putting affected consumers at risk of identity theft and fraud. This breach demonstrates gross negligence and failure to safeguard consumer data, violating 15 U.S.C. 1681b, 6801, which require financial institutions to protect consumer information. XXXX misconduct has caused financial and reputational harm, as its misreporting has led to damaged credit and unwarranted collection actions. 

XXXX has failed to act in good faith as a fiduciary under 26 U.S.C. 6903 and IRS Form 56 and has violated 15 U.S.C. 1681s-2, which mandates accurate credit reporting. The continued reporting of false information obstructs commerce under 15 U.S.C. 1 and is a direct violation of XXXX XXXX XXXX, which mandates public debt obligations be settled. 

I urge the CFPB to investigate XXXX practices, enforce corrective action for fraudulent reporting, and impose penalties for noncompliance and consumer harm resulting from both its unlawful reporting and data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inaccuracies in all of these reports from XXXX, XXXX, and transunion such as dates for payments such as XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, balances. XXXX XXXX dates account opened on, and inaccurate reporting dates XXXX, XXXX, XXXX, the date opened in different transunion. XXXX XXXX reported inaccurate open date in transunion, XXXX XXXX is inaccurate dates for late payments in XXXX, transunion, and XXXX. XXXX XXXX XXXX ( different account ) XX/XX/XXXX has inaccurate dates for when account was opened. XXXX XXXX has inaccurate late payments dates and open dates.
Product: Money transfer, virtual currency, or money service

Company : Cash App XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I sent my sister {$50.00} via CashApp today XXXX. My sister immediately called and told me she closed out her account. I contacted CashApp support via online chat feature to ask that it be refunded and in short they said it was nothing they could do. 

CashApp could be holding XXXX XXXX XXXX  of dollars with this type of policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 an inquiry was placed on my XXXX report from FNB OMAHA. I do not recognize this inquiry nor did I authorize it ( Sign for it, etc ). 

I am requesting to have this inquiry removed ASAP. 

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

n accordance with the Fair Credit Reporting act XXXX  XXXX  account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account #, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, inquiries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, experian XXXX XXXX, XXXX XXXX XXXX XXXX, 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: Checking or savings account

In XXXX of this year my business discovered that a check ( {$240.00} ) which we mailed ( In XX/XX/2020 ) had been intercepted, washed and cashed for ( {$6800.00} ) an amount much greater than what we originally submitted the check for. We notified our bank ( BancorpSouth ) as soon as we discovered the issue and after several weeks, they advised that due to the check being cashed at a different bank ( XXXX ). After numerous attempts to have our bank intercede, we notified the local post master and the local ( XXXX, AL ) Police Department who knew that a crime ring had stolen and washed numerous checks from our area. Detective XXXX XXXX with the XXXX ( Alabama ) Police department took our complaint and reportedly issued subpoenas to both banks. Detective XXXX also spoke to the FDIC who states that our check should have been covered by the FDIC. I approached our bank ( BancorpSouth ) about submitting the issue to the FDIC, however our bank states that too much time had passed
Product: Checking or savings account

Capital One is the bank where i have a joint account with my mother. Recently, all local branches in my area were closed. As a result, I went on the Capital One and used the branch locator feature, which directed me to various ATM locations, including ATMs at XXXX and at XXXX XXXX. I used an ATM at each location because I believed the branch locator feature was directing me to an ATM that was a Capital One access point and that I would not be charged a fee. Unfortunately, I was charged fees at each of these ATMs. I called Capital One and they agreed to reimburse the fees. However, the branch locator feature is deceptive in that it makes you believe you can access your account as if you were going to a branch, when in fact, that is not true. To make matters worse, there are no branches in the area sufficiently close. How on earth are people who can not drive or use mass transit able to access their accounts without fees if both the branch locator feature is deceptive and there is nothing reasonably available within a short distance? 

This is problematic and I don't think reimbursing the fees really solves this problem. I will still have no ATM near me at which I can access my account.
Product: Credit reporting or other personal consumer reports

I am rewriting to address multiple unresolved issues with the information on my credit report in XXXX XXXX XXXX, despite prior disputes I filed regarding inaccuracies. I initially reached out to correct discrepancies, including errors in the dates of last payments, dates accounts were opened, payment history, and account status. 
After providing supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors persist. Moreover, I have noticed negative actions have been taken on my credit report despite these unresolved issues. My full name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX XXXX. My date of birth is XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. Under 15 U.S.C. 1681e ( b ), NATIONAL CREDIT SYSTEM is required to maintain reasonable procedures to ensure the accuracy of the information provided, and my submitted evidence of inaccuracies shows a failure to do so. According to 15 U.S.C. 1681i, NATIONAL CREDIT SYSTEM is obligated to investigate disputes within 30 days, but I have not received any update or resolution. This delay constitutes a violation of my rights. Furthermore, under 15 U.S.C. 1681 ( a ) and 1681b, a consumer report can not be shared without my written consent unless exceptions apply. I request confirmation that my consent was obtained for any recent disclosures of my credit report. As part of my efforts to resolve this matter, I have filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX and expect NATIONAL CREDIT SYSTEM to cooperate with the FTC in addressing these concerns. To resolve this promptly, I request a reinvestigation of my credit report, specifically addressing the inaccuracies in payment dates, account opening dates, payment history, and account status. I further request that erroneous information be corrected or removed immediately. 
Please provide a detailed written response outlining the steps taken to resolve these issues and ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will consider further legal action, including seeking damages for violations of the FCRA. I expect your prompt attention to this matter and resolution within the legally required 30-day timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

After learning that I was denied credit for a loan to purchase my first home in 2018, they informed me to go check my credit report and do an investigation to see if there are items on there that I dont recognize. I did that and upon checking my credit report I noticed that there were several accounts and issues that should not the there. I contacted the Federal Trade Commission and summited the identity theft letter and sent to the bureaus with no response. They never did much on it I also put a fraud alert then the freezes on my reports. Then I learn that they were a data breach within the bureaus, and I matches up to the timeline of when my accounts were compromised. I have been sending my letters certified and contacting the creditors with no responses to the real issue. I always get the that the accounts have been updated which means nothing they never made a change to anything or they verified so I sent a letter asking for how they verified and I get no response. I have been spending too much time and effort to handle an issue that they created. I just want then to fix this issue so that I can go on with my life. I expected a higher level of service from the credit bureau than they showed me these last few months with this issue and I am quite disappointed in the way and how they blatantly pushed this issue and made me the consumer feel that I was in the wrong and never summited the proof that I asked for with the letters that were sent certified mail.