23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dispute of {$42.00} - XXXX American Express XXXX in # XXXX XXXX XXXX XXXX On XX/XX/year>, was approached by a XXXX American Express employee to take out a credit card offer that they were currently promoting. The old lady was very friendly and explained to me the card had " no annual fee '' the first year and for signing up that I could visit their XXXX lounge. I was having difficulty signing up for the card on my phone, so the employee took my phone and helped me sign up. ( since I do good to answer and make phone calls on my smart phone ). 
After my return from my trip, I received a statement dated ending XX/XX/year> in the mail for {$650.00}. I called and spoke with a XXXX at American Express and explain to him that this was not what I had signed up that it should be a {$0.00} annual fee according to what I was advised by the lady at the XXXX XXXX. 
XXXX advised me that they had no such promotion. I advised him that apparently, she was a salesperson trying to sell me something for a commission. XXXX apologized for what happened to me and stated that he would remove the charges and sign me up for a " XXXX XXXX XXXX card '' On my next statement ending on XX/XX/year>, I received I had a credit of {$600.00} instead of the entire amount of {$650.00}. I called again on XX/XX/year>, and again explained the issue all over again. This XXXX XXXX stated that the previous agent did not document what was explained first time and gave me a Ref # XXXX and stated that they would research the issue. I was also advised that they should have the investigation completed by XX/XX/year>. 
On my next statement ending on XX/XX/year>, I received interest and penalty charges on the {$42.00} that was not originally credited. I called again and spoke to an agent named XXXX. 
On XX/XX/year> I called again, and this time asked to speak with a supervisor. I was transferred to a second line supervisor by the name of XXXX. I explained to her my frustration and anxiety due to the fact that they advised me that the investigation was to be completed by XX/XX/year> which they have not done so. She removed the interest and penalties but could not give me a time frame when the {$42.00} would be removed. 
This has been very distressing and I'm ready for this to be over, please help. 
You would believe after four attempts that this issue would be resolved. 

XXXX XXXX
Product: Checking or savings account

I'm writing on behalf of my mother. 
I wanted to transfer my IRA account from XXXX XXXX XXXX  to Discover Bank. 
I filled out the necessary forms that Discover required including REQUEST FOR TRANSFER OR CONVERSION FOR TRADITIONAL, ROTH OR SIMPLE IRA. 
On the form it asks for the address of XXXX XXXX XXXX and my SSN. 
I filled it out with the PO BOX address listed on my XXXX XXXX statement and my full SSN. 
Mailed the forms roughly around XX/XX/XXXX. Days later I received a call saying they can't process it because it has a PO BOX instead of a physical address. 
I filled out a second form with the physical address and mailed it on XX/XX/XXXX. 

On XX/XX/XXXX, after noticing that the account still hadn't been funded on XX/XX/XXXX I wrote to them asking if any more forms from me were needed. They said no, everything was good and they were just waiting for the check from XXXX XXXX. 

Mid XXXXt rolls around and I went to XXXX XXXX to find out why they never send the check. Well, it was because Discover Bank never sent the request to XXXX XXXX, they thought we were going to hand deliver the request to XXXX XXXX. After many more conversations with them, they said that didn't send the original request because it didn't have a truncated SSN. They never told me that before and NOWHERE on the form or on the instructions does it ask for one.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PNC BANK XXXX XXXX XXXX XXXX, PA XXXX PROOF OF LATE PAYMENTS Dear PNC Bank, I am writing to address the reporting of late payments on my account with your company. According to your records, there have been late payments on my account, but I am requesting proof of mailed statements for the dates you are reporting as late. 

As stated in 15 USC 1666 B Timing of Payments, a creditor must be able to prove that a late payment exists. The law states that 21 days before the payment due date, the creditor must send out a notice containing information from section 15 USC 1637 B Statement Required with Each Billing Cycle. This notice must be mailed or delivered within 21 days of the payment due date. It is imperative that you provide evidence that a statement was sent within the required timeframe in order to treat a payment as late. There are certain disclosures that are supposed to be provided 21 days prior to my statement due date. These disclosures are separate from the statement. 
Please provide me with proof of these monthly disclosures you provided. 
Failure to comply with the procedures outlined in the FCRA ( Fair Credit Reporting Act ) has resulted in several violations of my consumer rights. I am in the process of concluding my paper trail before taking legal action. I urge you to update the credit reporting to reflect that the debt is PAID/NEVER LATE. 
I would appreciate your prompt response to this matter and ask that you cease reporting this debt as late until you can provide the requested documentation. Thank you for your attention to this issue. 

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

proper investigation into a dispute I submitted concerning inaccuracies on my credit report. 
On XX/XX/year>2023, I filed a dispute with XXXX regarding [ specific issue, e.g., an account that does not belong to me, an incorrect balance, or another error ]. I provided detailed documentation to support my claim, including [ list the documents provided, e.g., bank statements, letters from creditors, or proof of payment ]. Despite this, XXXX failed to thoroughly investigate my dispute and continued to report the inaccurate information on my credit file. 
Under the Fair Credit Reporting Act ( FCRA ), XXXX is required to : 1. Conduct a reasonable investigation of all disputes.

2. Notify the data furnisher and provide them with all relevant information I supplied.

3. Correct or delete inaccurate, incomplete, or unverifiable information within the statutory time frame. 
Based on my interactions and the outcome of my dispute, it appears that XXXX did not meet these legal obligations. The inaccurate information remains on my credit report, causing harm to my creditworthiness and financial reputation. 
I kindly request that the CFPB investigate this matter and take appropriate action to ensure XXXX complies with their legal responsibilities. Enclosed, I have included copies of : My original dispute letter and supporting documents. 
Correspondence with XXXX. 
A copy of my updated credit report showing the unresolved inaccuracy. 
This situation has caused significant distress, and I seek your assistance in ensuring my dispute is properly investigated and resolved. and that you delete the accounts off of my credit report. 
Thank you
Product: Credit reporting

Filed a dispute of a credit card to TU in XX/XX/2016 for the amount they were reporting since it wasnt correct. Instead of correcting the amount, they completely deleted the credit card from my credit report. Every other credit bureau is reporting this card and I have called TU repeatedly to fix this and they wont. I have called the Credit card and they are still reporting my card usage to TU but TU refuses to add it back to my account. Since this has happened I have been not able to move forward in getting a home because they have severely damaged my credit score. They will not fix this, please help.
Product: Credit reporting or other personal consumer reports

My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/XXXX. I recently retrieved a copy of my credit profile and public records and realized there were several addresses linked to my name. I have a very common name. I've contacted the credit bureaus ( XXXX, EQUIFAX, AND XXXX ) XX/XX/XXXX via phone and by mail to ask them to remove the fraudulent addressed from my profile. After attempting to access a line of credit, delinquent accounts are being attached to my credit profile. I am unsure if this a result of my items being stolen or with me having a very common name. I not only requested verification but also an update to my credit profile and nothing has been rectified. These addresses and accounts being linked to my name is affecting my ability obtain credit and also in violation of 15 USC 1681. No information should be furnished to my profile without my permission along with the result of identity fraud. Is
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed bankruptcy and two companies are still reporting the accounts being open and showing negative on my credit reports. Neither company showed up at the court hearing. I've filed disputes through XXXX XXXX and they are still on there.
Product: Credit reporting or other personal consumer reports

I have recently checked my credit report and have noticed some inaccurate accounts reporting. I am specifically speaking on my account with XXXX XXXX XXXX. It is showing 3 different dates that the account was opened, 3 different dates that the account was last reported, 3 different dates that the account was last active, and 3 different dates for the last payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I discovered XXXX XXXX XXXX account number xxxxxxxxxxxx XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This account was detected to have been deleted between XX/XX/XXXX and XX/XX/XXXX from Equifax which I have proof. Also, this account was deleted by the other CRAs ( XXXX and XXXX ) as well and has not been reinserted to my credit file.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that in my records. The cases, XXXXXXXX XXXX Experian Information Solutions ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX XXXX Account XXXX XXXX XXXX XXXX  Account : XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account:XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX un-authorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REFER THIS COMPLAINT TO AN EXPERIAN SUPERVISOR. 

Experian has blocked and frozen my entire credit report and score. That means no creditor, whether a new bank, credit card company, Mortgage Company, or an existing creditor I have accounts with can pull my Experian credit report or score, whether it's a hard credit pull or a soft credit pull. 

I have written Experian multiple times to release my credit report with no response. When a new or existing creditor or bank tries to pull my credit report and score they get a message that states : " Experian has made a business decision not to do business with this applicant. This is an Experian decision '' This is preventing me from applying for credit and managing my business appropriately. I am asking Experian to unfreeze my credit report and score to allow my creditors to access my credit report. 

I am currently unable to unfreeze my Experian credit report online, by phone or by mail as my letters go unanswered. 

I AM REQUESTING EXPERIAN TO RUN MY SS # TO CONFIRM THE STATEMENT ABOVE THAT CREDITORS SEE WHEN THEY ATTEMPT TO PULL MY CREDIT REPORT OR SCORE OR WHEN THEY RUN MY SS # TO VERIFY MY IDENTITY. 

This is causing undue hardship on me personally, my businesses, and my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has request to have the {$5200.00} secured loan removed from my credit report, as it was incorrectly added due to a data breach. However, Transunion has yet to remove it after over 20 attempts made by myself and the creditor. I demand that this be removed from my Transunion credit report immediately, as it is not accurately reporting, nor does it aligned with the other credit bureaus. Transunion has caused me extreme hardship, as this incorrect information has negatively impacted my credit score, preventing me from securing housing. I am in desperate need of shelter, but constantly denied due to Transunion 's negligence.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor 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 : {$0.00} XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXXXXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX XXXX - ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX  XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX SELF / LEAD ( XXXX ) - ( XXXX ) XXXX 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 XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 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 reporting or other personal consumer reports

In XX/XX/XXXX, XXXX  XXXX XXXX ( XXXX ) contacted Experian and reported late payments on our mortgage payments. In XX/XX/XXXX, XXXX told me we were four months behind schedule on mortgage payments. After several calls to XXXX and not getting resolution to the problem I filed a dispute with Experian and requested a printed Payoff Statement from XXXX. Payoff Statement was received dated XX/XX/XXXX. XXXX also provided a detailed account history statement dated XX/XX/XXXX. Discussed issues with statement with Experian and added to dispute filed. Experian told me I needed to work with XXXX  to resolve dispute. Discussed with XXXX  and requested another statement. XXXX provided another detailed account history on XX/XX/XXXX. Contacted XXXX  and reviewed statement with them. Showed XXXX where they had misapplied payments received for several months, applying all payments received to the same month! Was assured the problem would be resolved and my credit rating restored. My credit rating was never restored. Experian did nothing to assist me in getting my credit rating restored. I have since cancelled my account with Experian as their service is worthless.
Product: Money transfer, virtual currency, or money service

1. These transactions into Coinbase company were part of a cryptocurrency scam.

2. After several days investigation, there are plenty and verifiable evidence along with other victims indicating this is a cryptocurrency scam and fraud. The website has showed the fraudulent activities. XXXX XXXX XXXX XXXX XXXX. I tracked the downstream wallet, which was report many times for fraud, and Coinbase ignored the problems and they didnt do anything to investigate or close the fraud wallet.

4. Coinbase has a big loophole that makes it easy for the scammers to do money laundering and allows scam site to launder funds to their platform. Such merchant was contributed to fraudulent practices and did not have any safety precautions in place to protect myself and others from this happening.
Product: Student loan

I 've been repaying on my student loan for over ten years now, it 's been transferred from one vendor to the next. However, it started with XXXX, which is now Navient. I heard about the lawsuit, and have been persuaed into going into forberance on mulitple occassions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite assurance in writing from the Mortgage Company XXXX XXXX XXXX and the three credit reporting Agencies Equifax, XXXX  and XXXX  that the incorrect report of 90 days past due mortgage will be corrected and the credit score would reflect the corrected information I was denied a Mortgage refinance from XXXX XXXX XXXX due to a credit score below 600 and a credit report from the three agencies reporting a 90 day past due mortgage report by XXXX XXXX ( XXXX XXXX XXXX. It has been one year since XXXX  received a full payment by the Title Company on XX/XX/XXXX ; XXXX  reported Mortgage unpaid for XXXX, XXXX and XX/XX/XXXX. I received a letter from XXXX  stating that on XX/XX/XXXX an update was sent to the three credit reporting agencies to remove the delinquent payment information from XXXX, XXXX and XX/XX/XXXX but it has not been done, the three agencies credit report past due mortage with XXXX, the credit score reflects the incorrect report and I can not refinance my House at lower interest rates.I filed complaint with CFPB on XX/XX/XXXX XXXX and XXXX and XXXX
Product: Checking or savings account

On XX/XX/year>, I opened a Premier Checking account under the following terms : To receive the {$2500.00} bonus, you must : Upgrade to a Premier Checking account or open a new Premier Checking account by XX/XX/year> AND Bring {$250000.00} or more in new deposits to qualifying linked accounts by Day XXXX and maintain at least a {$250000.00} balance through Day XXXX after account upgrade or opening. 
Qualifying linked accounts include ( a ) consumer bank deposit account balances ( checking, savings, time accounts ( CDs ), XXXX IRAs ) and ( b ) investment account balances ( investments available through our affiliate Wells Fargo XXXX XXXX XXXX Excludes applicable bank fiduciary and custody accounts. 
New deposits received into qualifying linked accounts up to XXXX calendar days before the bonus offer code is applied to the Premier Checking account will count towards the offer qualification requirements. Please see a banker for details. 

I have fulfilled all of these terms and day XXXX was XX/XX/year>. Yet, I still haven't received the bonus which was promised 30 days after day XXXX. This period ended on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report ConsumeXXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX : {$39000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX/XXXX  Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Student loan

To whomever it may concern : Thank you very much for taking time from your day to help. 

I have disputed this several times. 

An administrative forbearance was approved for 7 separate accounts from XX/XX/XXXX - XX/XX/XXXX and a General Forbearance was approved for the same 7 accounts from XX/XX/XXXX - XX/XX/XXXX. During this time period several late payments were reported. 

FedLoan Servicing initially failed to update current contact information ( upon MULTIPLE requests to do so ). 

I stumbled on this and it seemed to accurately depict my current situation. 

Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. 

Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. 



Yours truly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested Credit Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX