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

1 ) XXXX XXXX has two inquiries in my file that they need to remove. I have never applied for any credit from them. The inquiry appeared for XX/XX/XXXX and another for XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX XXXX has two inquires in my file that they need to remove. I have never applied for any credit from them. The inquiry appeared in XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX is reporting inaccurate information on my credit report, and fail to report accurate information. I contact all three credit bureaus, provided them with updated information. Still fail to remove information that was not accurate.
Product: Credit card

My name is XXXX XXXX. I have been a loyal customer of American Express from a long time. Recently I came across with an incident. I tried hard but nobody in the organization would listen or reply in writing. 
I got a refereed E-Mail ( American Express ) to apply for a XXXX XXXX Credit Card.I have pasted the referral process and the bonus as outlined in the next paragraph. 

As a reminder, here is how the referral process works : Each friend will receive an email, with a special offer for the Card you referred. Your friend may not receive this email if they have previously " opted out '' of receiving email marketing communication from American Express. 




Your friend must apply for the Card through the link in the email and be approved in order for you to earn your Referral Bonus. 




Please allow XXXX8 weeks for your Referral Bonus to post to your account after each referred friend is approved for the Card. 




Due to the confidential nature of the credit approval process, you will not be notified whether we approve or decline any application ( s ) from individual ( s ) you refer. 




The Card you refer must be active in order for you to receive your Referral Bonus. 




If your friend is not approved for or already has the Card you referred, no bonus will be awarded. 

Welcome bonus Earn 60,000 Bonus Miles with the XXXX Credit Card and XXXX Qualification Miles XXXX after spending {$2000.00} in purchases on your new Card in your first 3 months, and a {$100.00} Statement Credit after you make a XXXX purchase on your new Card within your first 3 months. 
Special Offer Expires on XXXX I applied for the Card and got the Card. I also met all the requirements. Now American Express refused to honour their part and did not give the required bonus. I had another American Express. In the E-Mail I DID NOT FIND ANYWHERE IT SAYS THAT I CAN NOT HAVE ANOTHER AMERICAN EXPRESS CARD OR I AM NOT ELIGIBLE FOR BONUS IF I HAVE AN AMERICAN EXPRESS CARD.IF IT IS HIDDEN SOMEWHERE THAN AMERICAN EXPRESS IN NOT TRANSPARENT. 
Also the employees at the customer service are rude and unprofessional They will not investigate the issue and reply. They just say it is a XXXX issue.If it is a XXXX issue than it is clear.I hope your fine organization will investigate and implement changes if required. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been information published on a consumer report that I never gave either company ( TransUnion, XXXX  & XXXX  ) written consent or authorization to procure or produce with my information, according to 15 USC 1681b ( 2 ). Due to the nature of this consumer report, it has defamed my character to lenders, held me back from getting my home and a host of other things. There are accounts that have been disputed several times because of this violation and the said 3 companies above sends me results stating the derogatory alleged debts are validated. According to 15 USC 1692G debt collectors are required by law to meet the five requirements to validate any alleged debt, and also I the consumer have to officially validate the alleged debt, in which I do not validate the alleged debts in question on my consumer credit report. Another violation that has come to my attention is specifically with XXXX. They violated 15 USC 1681B ( ii-iii ), stating if any information that has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into a credit file that I did not give permission to produce. Please delete the accounts below due to several violations of the law. 
The companies in question for the alleged debt are as follows : 1 ) Fair Collections & Outsourcing ( Invitation Homes ) 2 ) XXXX XXXX XXXX 3 ) Acceptance Now 4 ) XXXX XXXX, XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX Adjusters ( Reinserted into Experian )
Product: Payday loan

I initiated contact with the lender to set-up a payment. My account is past due b/c I lost my job, and am unable to make a payment. When I contacted them, I attempted to set-up a payment for Tuesday, XXXX XXXX, 2015, when my unemployment benefits are made available to my account. 

She began harassing me - asking me for the balance of my checking account ; asking me how my account has {$0.00} available instead of a negative balance ; then telling me that i 'm giving her orders. 

Despite my attempts to set-up something to make good on the loan, I was unable to speak with someone who would work to resolve this issue with me. 

I believe harrassment of this type with borrowers is unfair, and that when borrowers who are trying to fulfill their obligations, despite their unfortunate circumstances, should not be subjected to this kind of bashing.
Product: Mortgage

When I took out the home loan, I had to have a PMI. Now after renovations and home value appreciation, I have almost 30 % equity on my home. But loan servicer is refusing to remove the Private Mortgage Insurance.  Please help.
Product: Checking or savings account

I placed an order with XXXX XXXX XXXX via XXXX for 2 chandeliers on XX/XX/XXXX. I didnt receive my order til XX/XX/XXXX, and upon opening the package, half of the glass strands were broken, rendering them unusable. I notified the seller, and was told they were sending replacement parts out. I waited, and waited, and never received the parts. After waiting, what I felt was a more than sufficient amount of time, I filed a claim with Chase and reported the damage items. Chase filed a claim on my behalf, but I am being told it was denied due to being over 120 days from date of transaction. The reason for the delay, was for 2 reasons, the length of time it took to receive the order, as well as, trying to resolve with seller, before filing a claim, as I am required to do. I paid {$570.00} for damaged goods, and deserve to be refunded. The delayed claim was of no fault of mine, and I should not be forced to pay for goods that are damaged and unusable. I am seeking a refund that is rightly owed to me. I have all documentation and picture evidence of the damage items.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please/remove these files. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I have been receiving calls from Credence for months. They use different numbers but have never sent me anything in the mail. I would respond to a letter but I am not going to give personal information over the phone or even pickup a call when I'm at work. 
This is a list of the phone calls by phone number and the dates. There are more but I deleted them. 
XXXX XX/XX/year> XX/XX/year> XX/XX/year>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 XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Hi, Im writing about an account on my credit report that I think is inaccurate and hasnt been properly verified. After looking over my credit reports from the other bureaus, I noticed that this account doesnt seem to match up. 

Under the Fair Credit Reporting Act ( FCRA ), youre supposed to make sure the information you report is correct and do a full investigation when someone disputes an account. Based on what Ive found, I dont believe this account has been verified correctly. 

Here are the accounts Im disputing : XXXX XXXX  account number XXXX Eastern Account Systems account number XXXX I also know about the recent lawsuit between the CFPB and Experian, where Experian got called out for not handling disputes properly. Id like to avoid having to escalate things, so Im giving you the chance to take another look and make this right.

Heres what I need from you : 1. A clear Method of Verification ( MOV ) that explains : Who you contacted to verify this account ( their name and contact info ). 

Exactly what steps you took to investigate my dispute.

Copies of any documents you used to verify the account.


2. If you cant properly verify this account, I want it deleted from my credit file. Just so were clear, under the law, I have the right to know exactly how you investigated this and verified the account. If you cant give me that information, Ill have no choice but to take this to my states Attorney General, or other authorities.

I expect to hear back from you within 15 days. If you cant verify this account, please remove it. If you need to contact me, use the address above. 

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

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital 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 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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Debit account at Discover bank promises 1 % " back money payment '' for purchases made with debit card attached to that account. In XXXX I made purchases for a total of more than {$240.00} as follows : XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$9.00} XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$46.00} XX/XX/XXXX - {$15.00} XX/XX/XXXX - {$18.00} XX/XX/XXXX - {$18.00} XX/XX/XXXX - {$44.00} XX/XX/XXXX - {$42.00} XXXX Total {$240.00} I was supposed to receive back {$2.00} but received only XXXX cents ( i.e. {$2.00} ( new balance ) - {$2.00} ( old balance )
Product: Checking or savings account

I received a wire transfer from a annuity which was terminated of $ XXXX.With a personal check it was deposit into my BOA checking to either pay off a student loan of 7 % compounded, or a Eloc with BOA at 5.6 % compounded on XX/XX/2019.Boa withdrew the money on XX/XX/2019, and then told me money will not be available until XX/XX/2019. 
I want BOA to pay me at least 5.6 % per day interest on that money until they it is available.
Product: Credit reporting or other personal consumer reports

I was a victim to the Equifax data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my students loan accounts was reported to Transunion and XXXX that my account was XXXX balance as of today its still showing I owe over XXXX it was discharged through XXXX XXXX
Product: Debt collection

As per my previous complaint placed on this company regarding a XXXX XXXX XXXX XXXX XXXX and XXXX Collection on my credit report I have still never received any correspondence from the this company. They removed and sold the XXXX XXXX to a different company and kept the XXXX on the my credit report. I am reporting the XXXX XXXX XXXX along with XXXX and Attorney General. You do not have the right to no follow guidelines and do your due diligence to investigate accounts once you put it on someone credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, OH XXXX XXXX/202 XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$330.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

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

I am writing to dispute the listed accounts on my credit report, which were reported by the credit bureau in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. The following accounts have been reported inaccurately and in violation of several sections of 15 USC 1681 : Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX  Balance {$510.00} Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Status Collection account. {$8600.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX  XXXX XXXX  Balance {$1400.00} Specifically, these accounts contain outdated and incorrect information that has not been updated or verified, and they were reported without my written permission as required by law under Section 602 ( a ) of 15 USC 1681. In addition, they violate Section 1681c ( a ) ( 5 ) of the FCRA, which prohibits credit bureaus from reporting outdated information that is more than 7 years old. The accounts also violate Section 1681s-2 ( a ) ( 1 ) of the FCRA, which requires credit bureaus to investigate a consumer dispute within 30 days and remove any information that can not be verified. 

I also assert my rights under Section 1681g of the FCRA to access my credit report and dispute inaccurate information, as well as under Section 1681i, which requires credit reporting agencies to investigate disputes within a reasonable time frame. Furthermore, I dispute any inaccurate or misleading representations made by debt collectors on these accounts under Section 1692e of the FDCPA. Finally, I request the removal of any inaccurate or unauthorized information from my credit report under Section 1681 and Section 6802, which protects my rights to privacy and disputes unauthorized access to my personal financial information. I request that the credit bureau investigate these inaccuracies and remove any unverifiable information from my credit report.
Product: Debt collection

Caine & Weiner is attempting to collect {$110.00} dollar debt for XXXX XXXX XXXX XXXX I do not owe. 

I paid XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$500.00} in cash for emergency services for my dog XXXX. 

XXXX XXXX XXXX failed to post at it 's location it did not have overnight stays or doctors to perform XXXX. 

I wasted valuable time, because XXXX XXXX XXXX failed too inform the public they do not have the capability to perform surgeries or have the service of overnight stays for wounded or hurt animals. 

I was overcharged by paying {$500.00} dollars for XXXX, medicine and XXXX taking no longer then 60 minutes. 

My dog XXXX passed away that night, because I wasted my time taking my pet to this animal facility. 

XXXX, would have lived if I would have taken him to a hospital that provided all the services at one location. 

XXXX XXXX XXXX over charged me for the partial services they rendered. XXXX XXXX XXXX gouges pet owners who face emergency situations and take advantage of unfortunate incidenst. 

I will be writing a negative review of XXXX XXXX XXXX to inform the public of what happened with my emergency visit. 

The public is safer taking there animals to a XXXX hospital that cares in saving pets lives and not just about the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 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: Student loan

I had a payment taken out of my checking account on XX/XX/XXXX in the amount of {$340.00} by Wells Fargo for my student with loan with them. I never authorized this payment, nor was it needed. My account was current, and the next payment due date wasn't for another month. When I contacted Wells Fargo, they denied that a payment was being processed. They still have responded to my requests the payment be canceled or returned, as again, I did not authorize it and it was not needed. I do find the most troubling part, that Wells Fargo has denied this payment was happening. It clearly shows the payment posted on XX/XX/XXXX, on both my WellsFargo.com account, and with the bank that my checking account is with.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Affidavit Of Dispute To Experian please be advised that i am filing herein this my affidavit of dispute and making reference to the previous complaints that i have file on you as pleadings and facts to be joined in this affidavit. 
I request that the aforementioned accounts be investigated and removed from credit report. 
Thank you for your attention to this matter. 
Sincerely XXXX XXXX XXXX