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

Date : XXXX/XXXX/XXXX To whom it may concern, I am writing to formally dispute certain items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 7 ), I am requesting that you reinvestigate these disputed items. According to the statute, you are required to conduct a reasonable reinvestigation and correct or delete any inaccurate or incomplete information.

These items are inaccurate, and I am requesting that they be reviewed and appropriately corrected or removed from my credit report. Please provide me with the results of your investigation as required under FCRA guidelines.

In accordance with 15 USC 1681i ( 7 ), I remind you that you must complete the reinvestigation within 15 days and provide me with a report detailing the results, including any corrections made. Should you fail to meet this deadline or fail to conduct a proper investigation, the following court precedents support my position : XXXX. XXXX v. XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court ruled that a consumer reporting agency ( CRA ) has a statutory duty to conduct a reasonable reinvestigation of a disputed item, and failure to do so can result in liability. 
XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court emphasized that CRAs must conduct an independent review and can not rely solely on the information provided by the data furnishers. 
XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) This case underscores that a CRA is liable under the FCRA for failing to reinvestigate disputed information that is reported inaccurately. 
Additionally, should you fail to conduct a thorough and reasonable investigation, as mandated by the FCRA, I would expect the items to be deleted expeditiously. 
I look forward to receiving your response in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts one is XXXX and the other is us bank. Several years ago I was a additional signer on the account with my mother XXXX XXXX. I was taken off of both accounts and it still is shows on my credit report. 
US BANK XXXX Revolving XXXX/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1XA ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account number : 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 card or prepaid card

On XX/XX/2023 I received an email that my Citi credit card was closed due to inactivity. This came as a shock to me because I had received no advance Notice that such closure was being considered. I was planning to use this card tomorrow to engage in a citi member presale for a concert tickets. I now have no ability to participate, my credit card is closed, I have no idea how this will impact my XXXX XXXX, and I have no way of reopening it in time to participate in the pre-sale. Ive included a screenshot of the statements section of my account, I received all of my statements electronically, and they should appear on the statements site. As you can see, there are no notices that indicate my account was going to be closed other than the day it was closed. I called citi bank and they apologized and said there was nothing they could do, they dont know why that happened, and advise that I would need to open up a new account. This is simply unfair, unjust, and deceptive to consumers.
Product: Credit card

Greetings, We recently opened an American Express XXXX card in XXXX of 2024. We planned to use this card to consolidate expenditures and payments. 

In XXXX of 2024, payments began being made on the new account. The first payment was returned for some reason, and was immediately resubmitted. I also started getting daily summary emails on credit union activity. I started seeing American Express ( AmEx ) payments being taken out, and assumed that everything was working as intended. 

Two years ago, we re-opened a previously XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, and the consolidated spending was supposed to streamline things for our son while my wife was dealing with a medical issue. In  XXXX of this year, we found out that a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the car wash over the winter. 

As we dealt with my wife 's ongoing treatment, AmEx continued to automatically withdraw payments. Our credit union account also was rapidly being depleted. I attributed this to taking time off from work to accompany my wife to her treatments. 

When I was able to look into the expenditures withdrawn by American Express, they had double withdrawn for ALL payments, but it was done in random amounts, not the single, monthly total payment that I signed up for. I contacted XXXX and found a total of twenty five payments withdrawn since XXXX. AmEx wasn't as helpful. 

There were five payments that AmEx showed in my account as being the actual, single monthly payment that I signed up for, with one payment being split for some reason, but there were also twenty additional payments withdrawn over the last three months. All of the payments were provided with trace numbers by XXXX, but XXXX is only able to go back 24 hours for payments made from a commercial account ( XXXX XXXX ). XXXX recalled the two most recent payments successfully.

We are, and have always been in good standing with AmEx. Of the twenty five payments taken by AmEx, the only payments that made it to our account were the intended payments, no one will help find the additional payments, illegally taken from our account with nearly identical trace information. XXXX has informed me that AmEx withdrew and currently retains the additional funds.

This AmEx fiasco has resulted in almost a XXXX XXXX dollar overpayment, that AmEx is unable or unwilling to help with. It seems AmEx is REALLY good at taking money, theirs or not. 

I have attached transaction and trace information that was provided by the XXXX representative who informed me of the issue. I really hope you are able to help with this!
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX 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 a Accounts : XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$5300.00} XXXX XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$4300.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$3300.00}, XXXX  XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$3200.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$250.00}, XXXX  XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$950.00}, XXXX XXXX XXXX  Account XXXX XXXX date opened XX/XX/XXXX Bal. {$940.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$240.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$220.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$150.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX. Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( XXXX ) 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: Credit reporting

I was denied credit, went to XXXX to order my free credit report, went through the process online, website kept asking me to refresh then finally stopped working. Tried to resubmit, website said I had already received my report which due to the refreshing I did not. What upsets me the most is I can not reach a human being to report the website problem. I 'm old and really take issue to auto attendants on the phone and computers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I SENT A INVESTIGATION LETTER TO THE CREDIT BUREAU ASKING THEM TO TO DO AN INVESTIGATION AN CHECK EVERYTHING ON MY CREDIT REPORT TO MAKE SURE EVERTYTHING WAS 100 % ACCUTE WITH TRACKING NUMBERS. THEY DIDN'T DO A PROPER INVESTIGATION ACCORDING TO THE LAW DUE TO IT IS XX/XX/2022 AND MY CREDIT REPORT IS STILL INACCURTE. 

TRACKING NUMBERS BELOW : XXXX XXXX XXXX 15 U.S.C 1681 Section 603 ( 3 ) ( E ) States : The term " INVESTIGATIVE CONSUMER REPORT '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning such items of information.

The credit bureaus stated account name & account # was properly investigation but how is that even possible if the Account status, Date opened, Date last Active, High credit, Last Reported and Date of last payment is still incorrect and not accurate. This ground for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. I haven't given these accounts written instructions or permission to furnish these accounts on my credit report. 

I'm sure you know the law just as well as I do my right 's was violated by the credit bureaus numerous times under 15 U.S.C 1681 : 15 U.S.C 1681 SECTION 602 A.

15 U.S.C 1681 SECTION 604 A. SECTION 2 : 15 U.S.C 1681 S-2 ( A ) ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX state that they have verified a bankruptcy on my listed on my consumer reports from public sources or XXXX XXXX. Yet the sources that the above mentioned companies have changed their sources multiple times and they have yet to sight a true source and verifier of the alleged information. In prior disputes Experian, XXXX and XXXX have stated that they have verified this information United States Bankruptcy Court and XXXX, but both organizations state that they do not verify any such information and XXXX XXXX does not have permissible purpose to attain, retain, maintain or sell my personal information.
Product: Vehicle loan or lease

SURRENDERED VECHILE AND GOT SETTLEEMNT LETTER ENLOSED, CREDITOR NEVER FURNISH LETTER AND IS FALSELY REPORTING AS REPOSSEION.
Product: Debt collection

I am in the process of repairing and cleaning up my credit. I requested validation/verification from Experian, XXXX & XXXX for collections accounts on my credit report. All I received was the generic verified or accurate Response with no supporting documentation that I requested for any of the accounts listed on my credit report. I then requested for the method of verification. How did they verify these are my accounts? All I wanted was proof as I described in my letters to them. Again, no contract with my signature or anything supporting that I owe any of these people money. These unverified accounts are still being reported and hindering my financial growth. From what i understand, this is against the law. That is, If they are reporting Negative erroneous items on my credit profile and have not provided me any supporting documentation as proof. Accounts they have failed to validate are as follows ; 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
Product: Credit card

XXXX XXXX, XXXXDear Sir/Ms ; I have requested American Express to remove a negative item on my credit report, but they have declined. The event occurred in XXXX through XX/XX/XXXX. I closed my account with American Express and entered an agreement with American Express to pay the balance in monthly installments. I was reluctant to do this because it would be reported as a late payment on my credit report. I was told by the American Express representative that it would not have a negative effect on my credit because it would show that I was making monthly payments on the account. This was true for the first two months, however after the third month, my credit score dropped XXXX points. I immediately paid off the balance and thought my score would recover. However, two years later it has not and my understanding is that this will be on my record for another five years. 

I was a long time card holder with American Express and always paid my bills. If you look at my credit history, you will see that I have never been late for a payment on any account. I do not think that it is fair for this negative information be on my credit report for another five years. Also, the intent of the negative report is to reflect that I was unable to pay the account. This is false, which is confirmed by the fact that I paid it off immediately when the huge negative affect on my credit was made known to me. It is also misleading to show that I was late in paying my account when I was actually paying it off with monthly payments. 

I feel that I was given misleading information regarding the impact of the payment plan on my credit report. If I was told the truth about the impact on my credit, I would not have participated in the payment plan. I have XXXX requested the transcript of the phone call that I made to American Express where I was given the misleading information, and I have not yet received a response This is having a negative impact on the loan rates that I are available to me. I am also in the job market and I am concerned about this having a negative effect on prospective employer background checks ( which access my credit history ). 
Thank you for your time.
Product: Payday loan, title loan, or personal loan

I have contacted Bank of Hawaii to defer payments for my Covid loan. I initially contacted them in XXXX, but was told I had to call back after my first payment was made. I contacted Bank of Hawaii XX/XX/XXXX to defer the loan. The agent told me I could choose to defer two months : XXXX or XXXX. I chose XXXX, he said ok, and called me back XX/XX/XXXX to confirm my choice. I confirmed XXXX due to my financial difficulties due the Covid shutdowns locally and nationally. 

Today, XX/XX/XXXX, a Bank of Hawaii Collections agent called me to confirm the paperwork for the deferral. In the paperwork, I am being charged a {$15.00} interest and late fee charge for my XXXX payment. I had paid my full minimum payment due for XXXX with the loan payment on XX/XX/XXXX. This payment was automatically deducted from my checking account. 

The bank reversed this payment XX/XX/XXXX, then charged a late fee and interest payment, referring my account to their collections department. When I refuted the late and interest payment with the Bank of Hawaii agent, she told me that this was all in the loan terms and I had agreed to it. I told her I had not seen the loan terms or agreed to the late payment. I am still being charged and have only four days over a three day weekend, receipt due XX/XX/XXXX ( a bank holiday ) for them to receive this paperwork and payment, which must be mailed, otherwise the deferral is void. 

This kind of thing needs to be stopped, especially when they are the ones handling covid funding granting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the Credit Reporting Agencies after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINTS and hoping that the following accounts will be removed as soon as possible : 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 XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Closing Date : XX/XX/XXXX.
Product: Mortgage

We did a loan modification with Rocket Mortgage and we signed all the paperwork, notarized it, and made the first mortgage payment. Despite all of this, Rocket Mortgage continues to tell us that the loan did not update and we owe the amount not paid during the forbearance period. This is contrary to the CARES act. 

In our man conversations with Rocket Mortgage, we are told they are working on resolving this but they never do resolve and other departments at the company tell us we owe the money and are at forclosure risk. On one hand we are called with urgent calls saying we owe the back payments while we were in forbearance and then we're told that it should be ok but it takes 45 days for our records to update since they received the signed loan docs -which was back in XXXX. 

Furthermore, in our verbal correspondence, we have been repeatedly told different facts regarding this situation by Rocket Mortgage representatives and we have each of their names. We get the run around on the phone with no resolution.
Product: Debt collection

On XX/XX/2021, I first contacted this company to let them know that I did not know anything about this debt and needed information on the transaction. I was told that they were unable to provide proof of the debt at this time. 

Since that day and today ( XX/XX/2021 ), I have attempted to contact their customer service agents several times via email and chat to resolve the issue. Today, I went ahead and paid the {$400.00} debt because I do not need that on my credit report. I have explained to them several times that this charge could have been fraud, and not one person cared.
Product: Checking or savings account

XXXX XXXX of 2022 I found out my social security number was being used for someones Business number & that they also had an XXXX bank account at PNC bank. That prevented me from opening an back account for myself. Also I visited an PNC bank branch & they did a quick & petty investigation, gave me a call back the next day & said basically it was nothing they could do & that I should call social security & the IRS myself. Plus they was closing the investigation.
Product: Credit reporting

I have set up an account with www.XXXX.com to monitor all XXXX of my credit reports. To my surprise, I have noticed several dozen inquiries that do not belong to me. Please remove these inquiries that were unauthorized. XXXX total inquiries reporting on XXXX. I have included a word document will all inquiry names, address and dates of inquiries for your to investigate and remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX card placed a hard Inquiry to Equifax without my knowledge or authorization on XXXX XXXX 2016. 

I have done everything XXXX has asked me to do as they have admitted they have no knowledge why I have an Inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

after finally having the money to meet and retain my attorney and being able to file all the proper police reports and federal reports equifax has not honored my identity theft packet. the XXXX and XXXX company both have investigated and deleted all contested accounts but equifax has not. there is no other way for me to prove my identity was stolen. I have done everything according to the law to restore my name, however equifax is the only reporting bureau that has not corrected my record. I have sent proof of my address at the time these purchases and accounts were created. please remove the creditors listed on my FTC report and police reports, and also this unvalidated bankruptcy
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX Previous Address ( es ) : XXXX XXXX CT XXXX XXXX XXXX XXXX, LA XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I received two calls robo calls from First Recovery XXXX. The voicemail left a callback number XXXX and a acct # XXXX. I call the number back and the person who answered the phone asked if she were speaking to XXXX and wanted me to verify my ssn. I responded that I was she but would n't verify my ssn. I was told that they would give me any information until I verified the ssn. I said that 's fine. This is a scam and I will report this call to the FTC. The women then said " when you make the report tell them to come lock your XXXX up '' and then quickly hung up.