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

TWICE IN XX/XX/2018 I CONTACTED EXPERIAN CREDIT BUREAU TO FIRST REMOVE FRAUDULENT CREDIT ACCOUNTS FROM MY CREDIT REPORT AND IT TOOK THEM ME WRITING THEM TWICE FOR THEM TO EVEN PAY ATTENTION TO THE CORRESPONDENCE. WHEN I FIRST CONTACTED THEM I ADVISED THEM THAT MY NAME WAS APPEARING TWICE WITH 2 IDENTIFICATION NUMBERS WHEN THERE IS ONLY ONE ME AND THERE IS NO REASON FOR 2 TO APPEAR ON MY CREDIT REPORT, THEY ARE ALSO REPORTING AN ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX THAT DOES NOT BELONG TO ME AND I HAVE NEVER LIVED THERE AND I NOTIFIED THEM SEVERAL TIMES THAT THIS IS NOT MY RESIDENTIAL ADDRESS, NOR HAVE I MOVED IN 30 YEARS ; ADDITIONALLY THEY HAVE ALLOWED SEVERAL CREDITORS TO OBTAIN, ACCESS AND REVIEW MY PERSONAL CREDIT REPORTS WITHOUT PERMISSIBLE PURPOSE AND I DO NOT HAVE ACCOUNTS WITH ANY OF THESE CREDITORS AND I WANT THEM ALL REMOVED AND DELETED AND I ADVISED EXPERIAN OF THIS TWICE ALREADY AND I AM TIRED OF WRITING THESE PEOPLE. EXPERIAN IS ALSO SHOWING MY HOME TOWN AS XXXX XXXX NY XXXX INSTEAD OF XXXX XXXX NY XXXX AND I NOTIFIED THEM OF THIS SEVERAL TIMES AND THEY ARE STILL IGNORING MY CONCERNS REGARDING THE CORRECT TOWNSHIP BEING REPORTED ON MY CREDIT REPORT. THIS IS A VERY SIMPLE FIX AND I SHOULD NOT HAVE TO CONSTANTLY KEEP WRITING THEM OVER SOMETHING SO SMALL AND TRIVIAL SPENDING {$7.00} FOR PRIORITY MAIL EACH TIME I CONTACT THEM -- IT'S RIDICULOUS!! ... MY EMPLOYER IS XXXX XXXX XXXX XXXX AND I AM A XXXX XXXX, MY PREVIOUS EMPLOYER WAS XXXX UNIVERSITY AND I WAS A XXXX XXXX XXXX AND EXPERIAN CAN NOT GET THIS INFORMATION CORRECT EITHER AND IT IS STILL REPORTING INCORRECTLY WITH TYPOGRAPHICAL ERRORS WHERE YOU CAN NOT EVEN UNDERSTAND THE INFORMATION TYPED, AND LAST BUT NOT LEAST MY HOME PHONE # IS NOT SHOWING AS ONE OF MY TELEPHONE NUMBERS ON THE TELEPHONE SECTION OF MY CREDIT REPORT. EXPERIAN IS ONLY SHOWING MY WORK # AND CONSIDERING I HAVE A FRAUD ALERT ON MY CREDIT REPORT IT IS IMPERATIVE THAT POTENTIAL CREDITORS HAVE BOTH MY HOME AND MY WORK TELEPHONE NUMBERS AND I HAVE UPDATED AND PROVIDED THE CORRECT INFORMATION TWICE ALREADY AND EXPERIAN, WITH IT'S UNDER-TRAINED STAFF STILL CONTINUE TO TYPE THE INFORMATION INCORRECTLY AND NOT PROVIDE ACCURATE AND VALID INFORMATION THAT I HAVE PROVIDED TO THEM. I SHOULD NOT HAVE TO CONTACT THE CONSUMER FINANCIAL PROTECTION AGENCY FOR MATTERS SUCH AS THIS AND EXPERIAN SHOULD BE A PROFESSIONAL ENOUGH ORGANIZATION THAT THE HANDLE MATTERS LIKE THIS MUCH MORE PROFESSIONALLY AND WITH EXPEDITION. IT'S TERRIBLY RIDICULOUS, CUMBERSOME AND I PERSONALLY CAN NOT STAND CONTACTING THEM AND THIS IS ONE OF THE REASON WHY I HAVE NOT EVEN USED MY PERSONAL CREDIT IN OVER 10 YEARS JUST TO AVOID HAVING TO DEAL WITH CREDIT BUREAUS AND THEIR NEGLIGENCE!!!
Product: Debt collection

I was in the hospital multiple times ( 3 ) i was not a minor, My father said he would have my bills put on his insurance and he was there 2 of the 3 times i was at XXXX XXXX   XXXX XXXX in XXXX Tn. The first time he went there and gave them the insurance card to get this resolved before they billed me. I have recieved multiple letters and calls from them stating that i owe XXXX . My father keeps telling me he will get this fixed but i just recently got approved for a credit card to start building credit, as im only XXXX years old and i allready have 3 derogatory marks due to this. I do not want this to hurt me or my credit, especially because i just started trying to build my credit. The dates are XX/XX/2018 for XXXX   . XX/XX/2018 for XXXX  . And XX/XX/2018 for XXXX  . If you could help me this would be awesome.
Product: Debt collection

I already went to court for this debt They excepted the courts offer.. But still put it on my credit report
Product: Credit card

My credit card company ( PNC bank ) changed and lowered my credit limit without notice and then refused to give me any reason for the change. I appealed the decision but was never able to speak to anyone who could do anything and was told that in 48 hours they would get back to me with the decision on my appeal. 

It took almost 5 days for them to then tell me the change was not going to be reversed. 

They also didnt give me a clear reason for the change just a list of potential generic reasons it could be. 

Ive never missed a payment and usually paid my full balance off every month. 

They said they sent me a letter but it never came. 

My credit limit was reduced from XXXX to XXXX
Product: Credit card

I purchased two pair of jeans from Nordstrom online a few days apart, and returned both via mail, also a few days apart, with the mailing labels provided to me online by the store. When I received the credit card statement for XX/XX/, I checked my account on the store website to confirm that both pair of jeans had been returned AND RECEIVED by Nordstrom. Because both items had been received, I did not pay the credit card bill assuming I owed them nothing. 

The next credit card bill for XX/XX/XXXX  stated that my account was overdue. When I called, I was told that even though both pair of jeans were received, the one pair was not received until after the account had closed out for the month and therefore still owed the minimum payment. 

I was directed to the small print on the Nordstrom website regarding returns which states that it takes 14 days for a return to be processed and then another 3-5 business days for the credit card company to place the credit on your account. Therefore, the consumer must pay the minimum amount on the credit card account even though the store has the product! It was further explained to me that once the store and credit card company finalize processing the return, the account will then show the proper credit. You must then ask the credit card company to send you a refund check or you can use your card and apply the credit to a future purchase. 

This " return policy '' is incredibly deceptive and intentionally designed to force a consumer to have to make a minimum payment to the credit card company -- in other words, they have the use of your money AND the product. Because everything is done by computer, there is no legitimate reason for the amount of time to process the return.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, {$990.00} -EXPERIAN , I have pulled my credit report from Identity IQ. XXXX XXXX is reporting inaccurate information on my Experain credit report. 

1. ) Date Opened is inaccurate compared to XXXX XXXX. ) High Credit is inaccurate compared to XXXX XXXX. ) This account is a collection/charged off. Therefore it should not report a PAST DUE AMOUNT. 
3. ) Date Last Active is inaccurate compared to XXXX The Fair credit reporting act states that a furnisher SHALL NOT report inaccurate information to ANY consumer reporting agency. Refer to 15 U.S code 1681s-2. Delete this account for reporting inaccurate information
Product: Credit reporting or other personal consumer reports

These are Not my address need to be deleted immediately please XXXX XXXX XXXX apt XXXX north XXXX SC XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving notices from these people for quite some time. I thought it was mine but then realized it was a previous boyfriend of mines and they are trying to collect from me. I tried on several occasions to obtain documentation from them that proves that this is my debt and if so, that this collection agency has the right to collect the debt. I have not received anything and they continue to report to the credit bureaus and they continue to send me notices. XXXX Sent letter asking them how they verified the account, the name and contact info. They did not supply this information. XX/XX/XXXX - Sent second request on how they verified the information and the name and contact of the representative. Did not receive a response and they continued to report the unverified information. XX/XX/XXXX - Sent a letter asking them again, how they verified it because I contacted the collection agency and they DID NOT verify it. I received no response and they continued to report the unverified information. XX/XX/XXXX - Made a final attempt for them to investigate and/or tell me how they verified the information when the collection agency DID NOT VERIFY with me yet continue to report the unverified information. 

They simply ignored me each time and sent nothing AND CONTINUED REPORTING THIS UNVERIFIBLE ACCOUNT. So I would like assistance in either obtaining this information or assistance in having them stop reporting this unverifiable information on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account number : 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 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, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter to XXXX  and Transunion about 4 negative accounts that were removed from my XXXX Consumer Report because of its inaccuracies and errors. I sent documented proof of the Inaccuracies and XXXX  and Transunion refuse to remove them like XXXX did. Also, I have not received a response letter yet and its been more than 30 days.
Product: Mortgage

XXXX sent you confirmation that they received all payment from me XXXX through XX/XX/XXXX the credit report state " PAID AS AGREED '' you also in your letters to me verify that at a minimum XXXX  rec 'd XXXX payments for XXXX with {$1100.00} unapplied in escrow when you rec 'd the Mortgage on XX/XX/XXXX Explain in detail how you calculated payments were due from XX/XX/XXXX which is what is included in your complaint send the documentation that proves payments are owed from XXXX XXXX despite the fact that XXXX says all payments were made XXXX through XXXX of XXXX in your letters to me you admit XXXX received XXXX payments of {$840.00} there's a excess funds of {$1100.00} why wasn't that applied to the XXXX payment?
Product: Debt collection

This item is wrong and inaccurately reported on my report for a while now under different names, first started with XXXX, then XXXX XXXX and now it 's listed under Southwest credit system. 
I 've contacted XXXX & XXXX in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me. 
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report. 
XXXX wo n't give me any answers or access to learn about the account since it 's not mine. 
I 'm writing to CFPB today requesting to press a serious action against XXXX. 
for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my XXXX credit bureau reports with no reinsertion even if the same debt comes back with different entity collection. 

the collection or debt info is : Southwest credit system/XXXX account # XXXX balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Within Grace Period : The payment reported as late for XX/XX/XXXX was actually made within the 15-day grace period allowed by my creditor and should not have been recorded as a late payment. 
Misapplication of Funds : There was an error in how my payment was processed, resulting in an incorrect report of a late payment. The payment was sent and processed on time but was not correctly applied to my account by XXXX. 
I provided substantial evidence in my dispute, including bank statements and payment confirmations showing that the payment was made on time and within the contractual grace period. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I was shopping for auto loans in XX/XX/2021 to purchase a used vehicle. I completed an application with Pentagon Federal in XXXX to see what the interest rate would be, but ended up going with another lender ( where I purchased the vehicle ) as it offered a better rate. I did not reply to any further correspondence for months after I saw the loan offer. It is important for context that in order to even express interest in an auto loan with Pentagon Federal, they require that you create a checking/savings account with their credit union and put in {$5.00} ( in order to add {$5.00}, you have to link a checking account to push funds into the account- this is important in how the scam was done ). 


Little did I know, that PenFed then proceeded to open an auto loan account, and at some point sent me a " check '' within the dozens of letters they sent to my house following. They sent lots promotional ads as well during this time ( life insurance, home mortgage, etc. ), so I just cut everything up and threw everything away believing I was just on their mailing list. 

What I did not realize was, they then granted themselves permission to pull money from the personal checking account I used to add {$5.00} to PenFed savings account ( which was required to inquire about an auto loan ) for months to pay this " auto loan. '' I finally caught wind of it in XXXX 2021, after they had already paid themselves nearly {$900.00}. I have called their customer support numerous times to resolve. They agreed multiple times that they did not have any of the documentation needed to authorize a loan, and did not have permission to auto-pay themselves from the account tied to my Pentagon Federal checking account.

In their effort to resolve this, they claim to have cancelled the loan, and reversed payment on the loan itself to refund me. Now, after they reversed the payments, they then reported me to the credit bureaus for being 90 days late on my " loan. '' My credit score is now tanked to the low 600s. 

I have called PenFed at least 7 times to resolve. They have agreed that they do not have documentation on file needed to establish an auto loan with me, or the authorize using my checking account to auto-pay this loan. Every time they say they are resolving it, they make it worse. I have tried to be patient but this " loan '' was enacted under false pretenses, I never signed a Promissory Note or used the funds from the check they allegedly sent, or provided any vehicle information to insinuate I would be borrowing money from their institution to purchase a particular vehicle. They have even gone as far as increasing my rates on this loan now for still not providing vehicle and insurance info. 

I am without options and feel at the mercy of fraudulent business practices. I would like to report so others do not go through this via PenFed and to establish a case of fraud as I dispute the impact this loan has had on my credit history. I will also be reporting to NCUA. Unfortunate that NCUA directly charters PenFed who allows this sort of malpractice to occur.
Product: Credit card or prepaid card

On XX/XX/2017 I noticed charges on my prepaid XXXX card that I didn't make. Immediately I contacted them and was referred to NetSpend. I was instructed to submit a claim to them. My claim for over {$1600.00} was denied within 3 working days. I've contacted them, repeatedly trying to get my money returned to me unsuccessfully. I was instructed to file a police report, which I did. But still have not gotten any money. I'm XXXX and need my money. Help please
Product: Credit reporting or other personal consumer reports

I have addressed this account several times, but it continues to appear on my credit report. Please take action on this matter, or I will be forced to file a case regarding this issue, Here 's the list of negative accounts need to delete. 

XXXX Date of inquiry : XX/XX/XXXX Account Name ; XXXX  XXXX Account Number : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, BANK OF AMERICA violate UDAAP laws by doing a bait and switch tactic. I was approved for opening a checking and savings account. Received email stating that I was approved. Received confirmation that we're to receive temporary online password in the mail within 3-5 business days so that I could either find the account or setup my enrollment with online banking. Well, XX/XX/XXXX a letter issued stating that a decision wasade to " close '' my account due to them not being able to verify my identity. I find this very odd. Why? Because the information that I put on the application was verified and most likely checked again XXXX and XXXX XXXX and I was approved. If my information at any point came back from those two bureau not allowing me to open an account, I would not have been approved. Furthermore, my application would have come back " not able to verify identity '' and would not have allowed me to continue. Bank of America never contacted to me to give me the chance to provide documentation so that my identity was verified. I am sure they used XXXX XXXX to try to confirm my identity, and I am 100 % positive my information shows by using my social and matches what's on the application. If that wasn't enough, then additional proof should been request and do nothing. 

The problem I have is that they are asking me to reapply and then go into a financial center with passport, i.d, utilities bill in order to verify. Why is this not your process upfront. I feel like they are bait and switch with new account offer to fudge their numbers for opening account. This is clear violation of UDAAP and sales practice misconduct.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : INQUIERES : 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 Listed below are the Personal Information that are beings required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your Company, This has cause me financial injury, this has cause me defamation of character hurting my ability to obtain credit under the COVID Pandemic crisis
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a letter with method of verification for verifying a bankruptcy from Equifax, XXXX and XXXX XXXX. I need to know how Equifax, XXXX  and XXXX XXXX verify a bankruptcy before they add the information to an individuals credit report.