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

Equifax and XXXX. My credit scores were XXXX and XXXX respectively by credit co . I  received an erroneous report from XXXX school loans and my scored dropped more than 200 points. The error was correctef by XXXX and I have cleared 90 % of collections and my scores are still in the 500. The credit reports document that I am paying bills but score is still low.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX Office of the Attorney General California Department of Justice XXXX XXXX XXXX XXXX, CA XXXX. 

Equifax Credit Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute and Request for Correction of Inaccurate Late Payments on Auto Loan Account [ XXXX ] I am writing to bring to your attention a matter of significant concern regarding inaccuracies in my credit report, specifically related to late payments on my auto loan account with XXXX XXXX, identified by account number [ XXXX ]. The inaccuracies have had a detrimental impact on my credit score, and I am seeking your assistance in rectifying this situation. 

Description of the Inaccuracies : Upon reviewing my credit report from [ Credit Reporting Agencys ], I discovered that there are inaccuracies in reporting late payments on my auto loan account with XXXX XXXX. The reported late payments are not reflective of my payment history, and I believe they have been erroneously included in my credit report. they report this loan late when i have copies of dated checks sent to the bank for the months they mark as late. the dates are for the months of XXXX and XXXX of XXXX. 

Supporting Documentation : I have attached supporting documentation, including copies of payment records, bank statements, and any correspondence with XXXX XXXX, that clearly demonstrate the accuracy of my payments and the error in reporting late payments. 

Request for Immediate Correction : I am formally requesting that the Consumer Financial Protection Bureau, XXXX XXXX, the California Attorney General 's Office, and the XXXX major credit reporting agencies ( Equifax, XXXX, and XXXX ) conduct a thorough investigation into this matter and promptly correct the inaccuracies on my credit report.

Legal Precedence : I would like to draw attention to legal precedents where companies have been held accountable for inaccurately reporting information on consumers ' credit reports. One notable example is XXXX XXXX vs XXXX. This case highlights the importance of accurate credit reporting and the potential legal consequences for companies that fail to uphold this standard. 

Consumer Rights and Protections : As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). I believe that the reported inaccuracies violate my rights under this federal law. 

Request for Confirmation : I kindly request written confirmation from XXXX XXXX  once the corrections have been made and the accurate information has been updated on my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX if additional information is required.

Thank you for your assistance in rectifying this situation and ensuring the accuracy of my credit report.

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Follow-up Complaint Against ChexSystems, XXXX for FCRA XXXX XXXX Complaint # XXXX ) To Whom It XXXX Concern, This letter serves as a follow-up to my previous complaint ( Complaint # XXXX ) against ChexSystems, XXXX regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the fraudulent information reported by Bank of XXXX and XXXX Bank on my ChexSystems report XXXX Despite my previous complaint and the evidence provided, ChexSystems has failed to resolve the issue adequately. 

Background I am disputing fraudulent accounts linked to identity theft that occurred in XXXX, XXXX, XXXX years ago. I have submitted a valid FTC Identity Theft Report. 

However, ChexSystems has : - Labeled my dispute as frivolous and failed to investigate thoroughly. 
- Refused to block fraudulent trade lines despite the clear evidence of identity theft. 
- Requested unreasonable documentation ( a police report from XXXX authorities or a law enforcement-signed FTC Identity Theft Report ), which is not feasible for me to provide. 

Unreasonable Demands for Documentation - ChexSystems ' request for a police report from XXXX XXXX XXXX Police or a law enforcement-signed FTC Identity Theft Report is unreasonable, as the identity theft occurred outside of the XXXX, XXXX XXXX, XXXX. It is impractical for a XXXX XXXX XXXX to sign an FTC report or provide a local police report for an international incident. This is a burden on consumers that should not be required, especially when an FTC Identity Theft Report is already available. 

FCRA XXXX ChexSystems actions continue to violate the FCRA in the following ways : Failure to Conduct a Reasonable Investigation ( FCRA 611 ) : - The company failed to reinvestigate properly, relying only on the information from the reporting institutions.

- Failure to Block Fraudulent Information ( FCRA 605B ) : ChexSystems has not acted on the FTC report and continues to require unnecessary documentation.

Failure to Ensure Accuracy ( FCRA 607 ( b ) ) : - The company has not ensured the accuracy and completeness of my consumer report, despite the evidence provided. 

Harm Caused The unresolved issues with my report continue to negatively impact my ability to open new financial accounts and have caused emotional and financial stress.
Product: Mortgage

My home loan was transferred to Guaranteed rate and they were my loan servicer for 2 months. After that time, my loan was transferred to XXXX XXXX. I continued to receive statements from Guaranteed rate for multiple months despite providing documentation to them showing that the loan had been transferred. I received nothing but promises of resolution with no action. I spent multiple hours on the phone, spoke with multiple people and yet continued to get harassing letters in the mail. My account was sent to their collections department and I continued to receive statements from them with increasing about of money that they stated I owned. When I asked to speak to a supervisor, multiple supervisors were unable to resolve the issue and I was again told that the issue would have to be researched and they would get back to me.
Product: Credit card

Over time my capital one credit card was fraudulently charged {$1000.00}. When I tried filing fraud/dispute claims, capital one wrongly held me liable for the fraudulent charges that I didnt commit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple UNAUTHORIZED INQUIRIES on my report that I do not Recognize
Product: Checking or savings account

I had been referred to Key Bank for purpose of opening a business checking account. After speaking with the XXXX XXXX XXXX XXXX ( XXXX ) and learned I would need to visit a branch in person to open a business account. I was able to schedule an appointment at the XXXX Indiana location, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/23 initially at XXXX XXXX, but that time was changed to XXXX XXXX. Confirmation # XXXX. I was told the Branch Manager ( XXXX would meet with me to open the account ). Earlier that morning, XXXX called me and asked a few questions about my business ( location and type of business ). After he was informed, my business was property management/consulting, in business for a little over two years, located in Illinois, but have a foreign LLC to conduct business in Indiana. He wanted to know how did I learn about Key Bank. I informed him through my business network, and I learned and verified they offered several business products that may benefit my business. At this time I was informed he needed to check with the back office to see if they would be able to open a Business account for me. Unfortunately, he called me back and stated he was informed, I needed to have a footing in Indiana in order to have an account. There are Key Branches in Illinois, but they are located about four hours away, I should not have to drive four hours to open a business account. I believe Key Bank is utilizing illegal practices to keep certain people from opening business accounts. If they have branches in Illinois, then individuals who reside in that state should not be denied the opportunity to open business accounts. According to the customer service center, you do not have to reside in Indiana to open a business checking account, you only have to go in person to open the account and you can reside in Illinois as they have branches in Illinois.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zell handling of disputes
Product: Credit reporting

I am filling this complaint because I have been ignored by the Experian. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months.
Product: Checking or savings account

Hello, We have been in a ( 2 ) month process contacting American Express National and have had an issue with them re-submitted a valid ( XXXX ) XXXXXXXX XXXX through the XXXXXXXX XXXX XXXX for identification verification. 

We updated our information as per name change declaration decree request order ( XXXX ) documents through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And have the exact same account with prior ID and name verified on the documents listed in this court order as per the updated " OLD '' to " NEW '' name that is exactly the same as to when the account was established and matched the " OLD '' ID as to the " NEW '' ID and both names are mentioned as they appear in this report as on the declaration order document ( pg XXXX ). 

We gave them ( XXXX ) months and contacted numerous times, they would not only XXXX but also did not take the contact seriously with some form of mockery in the customer support contact as to hanging up, saying the XXXXXXXX XXXX company would assist, the other side the XXXXXXXX XXXX  company saying that the American Express National would be able to reinitate a new session. 

The past question on XXXX was ( XXXX ) live chat session was scheduled only within ( XXXX ) months time and as to that fact, they asked a question on the credit protection record questions and the question matched the old name and a question that has to do with the old name, we then answered based on that and it canceled the session. 

We asked them to set up an additional live session to answer the questions based on the new name and they have still not made the completion of the process and are stopping our banking activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, I sent Transunion, XXXX and XXXX stating to them to remove old information on my credit report and accounts that didn't belong to me and/or had outdated information. 


The credit companies are not complying with their own policies in a timely manner.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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, credit repair services, or other personal consumer reports

Over the past several months I have made complaints to Experian and XXXXXXXX XXXX XXXXXXXX that I am not getting a credit report regarding my mortgage that I have had since XXXX. My credit history is showing up on XXXX and XXXX but not on Experian. Each entity is blaming the other one. 

Experian says that they are not getting data from XXXX. XXXX has responded to CFPB that they are providing the data and they provided proof. The letter is from XXXX XXXX and proof that they are reporting. 


I called to speak with XXXX on XX/XX/XXXX. He referred to his supervisor, XXXX XXXX who has escalated my complaint to get to a resolution. I called Experian and got a report and XXXX is NOT on it. I sent it to XXXX who has acknowledged that their trade line is not listed. He has promised to find out what is wrong. 

TODAY, XX/XX/XXXX, I learned for lead supervisor XXXX XXXX that he spoke with Experian Rep XXXX XXXX, in the Data Reporting Team Dispute # XXXX. XXXX according to XXXX, she sent him an email saying that Experian had purged my account from Experian 's data base which is a direct contradiction to Experian 's response dated XX/XX/XXXX. This does not make sense. I did not ask to have my file and purged and XXXX said they did not asked to haver their trade line purged from my account. 

I want a credit report from XXXXXXXX XXXX on my Experian File. I want them both to resolve the problem rather than going back and forth blaming each other. I am getting terrible and dishonest service. There needs to be a resolution. I WANT A CREDIT REPORT. I should not have to get an attorney or file a discrimination complaint with the Ohio Attorney General 's Office.
Product: Credit card

I have sent multiple letters to this address " American Express, XXXX XXXX XXXX, ATTN : XXXX XXXX, XXXX XXXX, Texas XXXX '' regarding my issue and I have gotten the same automated message in writing in return. I've also sent a Claim Notice to the address " American Express XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX XXXX. On multiple occasions I tried calling customer service to connect me with someone of higher position or understanding to their SEC filings regarding the XXXX, Prospectus, and the indenture trust agreement dated XX/XX/2018, and yet have I received remedy. There are unjustified violations that American Express are committing to me as the Beneficiary and investor towards the company from breach of contract, breach of fiduciary duty and Securities Fraud. Behind everything I have said I have reason to believe they are committing organized crime without my known knowledge as well. Yes, I am the Note Holder, and I will attach proof of that as well as my letter and supporting documents. Please fulfill your fiduciary duty and fix this issue immediately or I will be reporting American Express to the Securities Exchange Commision and all other proper authorities and seeking all civil penalties.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility.This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to correct or remove this information from my credit report. 

XXXX XXXX XXXX  DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On the XXXX XXXX site, the credit card is shown and says if you apply for the credit card you can get XXXX dollars credited to your statement if you sign up now. I was booking my flight so I applied for the credit card and it said I was approved, but didn't send me a temporary account number. I logged on to Citibank, which showed 11 X 's and my last 4 digits to a credit card. I called Citibank to use the card to get my flight ( flight prices change daily and during the day ). They first said they couldn't find my information and then they said it would a few days until the credit card was processed. I hung up and then called them again to cancel. They said I couldn't cancel the card because the card was being processed. I can't use the card to buy the ticket and get my XXXX dollars off and when I cancel the card my credit score will go down. Today is XX/XX/XXXX and I applied for the card at about XXXX pm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account furnished by XXXX. XXXX and XXXX is a result of fraud and improper reporting. 
I have disputed this account through the proper channels without reply or appropriate results in the legal amount of time provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hire Right Background Services are not working in good faith. I am receiving information from representatives that is inaccurate. I have spoken to XXXX different supervisors concerning my pre-employment screen. XXXX started the lying. XXXX and XXXX joined the conspiracy on XXXX.
Product: Prepaid card

I bought a XXXX pre-paid visa gift card, XXXX transaction went fine in store, tried to use it on XXXX and they declined the charge XXXX separate times, but took the money. I have been on the phone with them for XXXX hours, and i keep just getting read the same prompts over and over. I just want my money back and they have ruined a little girls XXXX now. I hope you ban them from ever issuing cards in the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/2020
Product: Money transfer, virtual currency, or money service

Here is what I've send XXXX  : RE : Account Number : XXXXXXXX XXXX XXXX XXXX Dear XXXX Customer Service Team, I am writing to bring to your immediate attention a discrepancy regarding two recent payments intended for my XXXX XXXX XXXX XXXX account, which ends in XXXX from my account at Sofi. 

Upon reviewing my checking account statements, I have noted that XXXX transactions ( Sofi IDs XXXX and XXXX ), each for the amount of {$1000.00}, were processed and deducted from my account. However, when checking my credit card statement, I see that XXXX has only recorded XXXX corresponding payments of {$500.00} each, totaling {$1000.00}. 

This presents a significant discrepancy of {$1000.00} between the amounts debited by Sofi from my checking account and the payments credited by XXXX to my credit card account. 

Given the seriousness of this matter and the substantial amount of money involved, I kindly request that XXXX conduct a thorough investigation into these transactions. I would appreciate a detailed record of the payments as received by XXXX, and an explanation for the missing {$1000.00}. 

I trust that XXXX will address this matter with urgency and provide a prompt resolution. Should you require any additional information or documentation from my side, please feel free to contact me directly at XXXX. 

I look forward to your immediate response and a swift resolution to this issue. 

Thank you for your attention to this urgent matter. 

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

I have disputed transactions with all credit agencies about a few transactions that are on my credit report that I have no knowledge of. Some are debt collection agencies that don't give out a lot of info about who the original creditor is or even the amount. I've asked what there investigations procedures are and how they decided if the information was accurate or not and I haven't gotten a response back. A few of them were deleted off my transunion credit report, but not XXXX nor XXXX. They also have phone numbers and addresses that have never been mine so not sure. These were removed and I have no knowledge of and asked for the information for each one, they were removed but only from XXXX credit agency.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiry that was unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiry that I did not authorize. 
XXXX XXXX
Product: Credit reporting, credit repair services, 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 & block 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 and the bank 's records ( learned through more research both parties require ). Please block/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, 2023
Product: Credit reporting or other personal consumer reports

XXXX is reporting a charged off status for an account that was closed by me. 

Charge off reporting starts XX/XX/2022 XXXX According to their pay ledger given to me by XXXX XXXX XXXX 
Senior Customer Advocate | XXXX XXXX I made a payment XX/XX/2022 before closing this account on my own. 

I ask that XXXX XXXX correct their mistake of reporting the inaccurate information to my credit report or remove the information completely