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

Upon examining my credit report, I came across inaccuracies that require attention. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the Experian and XXXX credit bureaus are obligated to authenticate these accounts. It is impermissible to label these reporting accounts as unverified without furnishing evidence within the legally prescribed timeframe. The erroneous information on my credit report that necessitates investigation and correction includes : XXXX XXXX XXXX XXXX : {$130000.00} XXXX XXXX Balance Owed : {$130000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally request your intervention in a matter concerning an unjustified suspension of my account by XXXX, and the subsequent unresponsiveness of their customer service in handling the issue. 

On XXXX XXXX, I purchased a membership with XXXX and made the payment through my XXXX account. To my surprise, within a mere 24-hour period, my account was unexpectedly suspended. Upon reaching out to their customer support to understand the reason for this suspension, I was met with silence. 

It was only after filing a complaint with the XXXX XXXX XXXX a few weeks later, that I received communication from XXXX  They stated that my account was suspended on grounds of violating their terms and conditions, specifically for including personal information on my profile. However, upon careful review of their terms and conditions related to site use, I found no clause or provision that prohibits the sharing of one 's personal information. 

Eager to resolve the matter and abide by their request, I promptly began the process of removing the said personal information from my profile. But even before I could complete the corrections, my account was once again suspended. It's pertinent to note that I did not add any new personal information during this time, nor was I given adequate time to make the requested edits. 

Given the facts stated above, I firmly believe that I have not violated any terms and conditions set forth by XXXX. The abrupt suspension, coupled with the lack of clear communication on their part, has not only disrupted my user experience but also led me to question the value of the membership I have purchased. 

Therefore, I kindly request your esteemed office to intervene in this matter and ensure that I am granted a full refund for the membership, either into my XXXX account or as credit into my XXXX XXXX account. 

Please find attached a copy of the terms and conditions from XXXX XXXX  website for your perusal. 

I trust that the Consumer Financial Protection Bureau will consider my grievance seriously and help me get the necessary resolution. I am available for any further information or clarification you might need in this regard. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account Experitan : # XXXX, XXXX : XXXX, Transunion : XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I paid the debt in full and it was reported to collections and impacted my credit. The debt collector stated the debt to XXXX ( XXXX XXXX XXXX ) has been paid in full and they will request to delete the account and stop reporting to collections. 

A representative from the XXXX XXXX Credit Bureau said I HAD to upload documents here regarding this debt in order to view them as accurate because of multiple names on my account. She said I needed a to complete a Consumer Financial Protection Compliant and provide her with the CFPB Complaint number.
Product: Credit reporting or other personal consumer reports

Experion and other unknown credit agencies including XXXX XXXX and XXXX & XXXX have been reporting that XXXX XXXX. XXXX XXXX XXXX XXXX XXXX has filed and granted XXXX XXXX bankruptcy. This information pertains to another person, my son, and although I have contacted Experion and other agencies they refuse to remove this inaccurate information. 

They also show XXXX XXXX XXXX XXXX as our name although this was a seperate corporation that was dissolved as inactive decades ago. 

They also lost our company at XXXX XXXX XXXX as an agricultural business with poor credit scores. This is not us and not true. We are XXXX. 

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

I leased a car from the Hyundai XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score. 

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XX/XX/XXXX/XX/XX/XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XX/XX/XXXX/XX/XX/XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the Hyundai dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The managXXXX of the dealership wrote a letter for me to send to XXXX stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the HMF Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.
Product: Vehicle loan or lease

On XX/XX/XXXX, my husband and I were subjected to predatory lending practices at XXXX XXXX XXXX XXXX in XXXX, Idaho. We agreed to purchase a XXXX XXXX XXXX at this dealer. We had specifically agreed to financing the vehicle through a 60-month contract with $ XXXX/month payment, and a {$5000.00} downpayment. The sales person who had helped us to this point, XXXX XXXX, brought a paper indicating these terms and we signed it. 
Shortly afterward, we were introduced to the finance manager, XXXX XXXX, who would provide the closing documents. He advertised additional insurance coverage ( XXXX XXXX XXXX ) in the amount of $ XXXX/mo, raising our payment to $ XXXX/month. He did not at any time mention this would entail an extension in loan length, as we would not have agreed to such terms. In the final documents XXXX XXXX produced, he extended the duration of the loan to 66 months without consulting with my husband or I. We did not immediately see the change and signed the final documents. The change in loan duration that XXXX XXXX made is a misrepresentation of the cost of the additional insurance package, and I believe it to be a predatory lending practice. 
When I read the loan documents again that same evening, I found the discrepancy in loan duration and emailed XXXX XXXX for an explanation. He never responded to my email. I also asked the sales person, XXXX XXXX, for an explanation but he avoided providing an answer.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account with HSBC USA on XX/XX/18, with a promotional mailer offer to deposit {$10000.00} in new money and maintain at least {$10000.00} for 90 calendar days. The offer was to receive {$400.00} for meeting these requirements. 

I fulfilled these requirements, but HSBC USA never honored the promotion. I contacted customer service several times, and was told they would get back to me, each time. But I never received any resolution, despite several inquiries. It is now more than 10 months later, and I have continuously maintained the account balance at {$10000.00} or more since opening the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX  XXXX , XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX   XXXX  ( Original Creditor : XXXX XXXX  XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit card or prepaid card

American Express sign up bonus of XXXX points was not honored. The sign up bonus received was XXXX. When I called AMEX, they informed me the offer link I used for was for the lesser amount of points. They also confirmed the XXXX offer was introduced in XX/XX/XXXX and it is still valid today on their website. I signed up for the card from their official website. AMEXs argument is that I went to their website and somehow sign up using a link for an offer with lesser points than what has been getting advertised for almost a year. Again, the XXXX offer is still valid today on their website. The offer advertised when I signed up was of XXXX. AMEX is deceiving customers and luring them in with promises of a high sign up bonus that is not being honored. Only AMEX is able to see the offer link I sign up for which is not transparent. This is false advertisement on their end and a cheap tactic to get customers in the hook for a meeting credit card. I did not take a picture of the offer when I signed up, I attached an article from XX/XX/XXXX that advertises the XXXX sign up bonus. I signed up for the card on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this several times to XXXX that this information is incorrect and unverifiable - I even received a letter from XXXX saying that they couldn't verify this account. 

XXXX XXXX XXXX XXXX {$2200.00} thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reporting late monthly payments reporting on a closed account. I wonder how were the late payments verified? Please provide proof of bank records and proof of the transactions or receipts that belongs to this account. I've been disputing with TransUnion since XXXX. TransUnion had more then enough time to do a proper investigation along with showing me proof of a proper investigation. They are in violation continuing to report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX, XXXX XXXX , was never late! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX, XXXX XXXX , and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX, XXXX, XXXX, XXXX XXXX , Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

I have been trying to access my account online since XX/XX/XXXX/XX/XX/XXXX. I have made numerous calls and have been hung up on. When I call I am asked to verify my information and once I do the CSR reads the notes and either tells me there is no update and I will get a call once there is. Or they will transfer me to tech support, who tells me my online account is still not fixed and they will call me when it is. Today during a call someone named XXXX who claimed to be a senior customer service rep hung up on me. I just want to access my information. I also asked for the transcripts of all of my calls and was told I do not know how to get those for you, here is a mailing address that might help you.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX who is being sued by the CFPB for unlawful acts has sent a company called XXXX XXXX to collect a debt that I had no clue I had nor was it ever verified with. this seems to continue again with more unlawful procedures and because of this they have caused so much setback to credit report. The Debt collector showed up on my credit report on XX/XX/year> for the amount of XXXX. Please have this Removed from my credit report immediately.
Product: Credit reporting

All XXXX credit bureaus list XXXX state tax liens as active ; however these liens were XXXX released and I have a copy of the release documents from the state. I would like to have XXXX of these state tax lien entries deleted from all my credit reports. See attached documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Consumer Financial Protection Bureau ( CFPB ) Complaint Complaint Type : Credit Reporting Company Name : Experian Subject : Unable to Access Free Annual Credit Report & Account Login Issues Complaint Summary : This is my third report regarding an ongoing issue I am experiencing with Experian. Despite my previous attempts to resolve this matter through the CFPB, I am still unable to access my free annual credit report via XXXX, as required by law. Experian continues to prevent me from viewing my credit report, which is a critical part of my financial growth and planning. 

Additionally, I have been unable to log into my Experian account to access my information or resolve this issue independently. My attempts to use the provided credentials and reset my login information have been unsuccessful. As a result, I am unable to monitor or manage my credit, which is causing significant financial distress. 

Attempts to Resolve : I have previously submitted XXXX complaints regarding this issue to Experian through the CFPB, but there has been no resolution or change in the status of my access to my credit report or account. Despite this ongoing issue, Experian has failed to provide a solution, and I am still unable to obtain the information to which I am entitled by law. 

Impact on Consumer : This situation is directly hindering my ability to monitor my financial health and make informed decisions about my financial future. It has caused significant inconvenience and stress, as my credit report is an essential tool for tracking my financial growth, planning for future loans, and ensuring my credit history is accurate. 

Relief Requested : I am seeking prompt resolution to regain access to my free annual credit report, and I am requesting that Experian provide monetary relief for the significant inconvenience caused by their failure to allow me access to my credit information. Furthermore, I request that Experian promptly resolve the issue preventing me from logging into my account. 

Please investigate this issue thoroughly and ensure that Experian fulfills its obligations under the law by allowing me to access my credit report and account without further delay. 

Thank you for your attention to this matter. 

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

Remove the items listed on my FTC report
Product: Debt collection

I cant remember exactly how much because this was last year. I remember needing to take out more loans because I didnt have any money after paying them back
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX   XXXX  XXXX {$640.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$930.00} XXXX XXXX  XXXX {$15000.00} XXXX/XXXX   XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX   XXXX {$780.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Debt collection

eos cca XXXX XXXX XXXX XXXX, ma XXXX XXXX this company i already paid off but still on showing balance account number XXXX creditor name XXXX century link
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS AND THE CENTERPOINT HAVE NOT RESPONDED OR INVESTIGATED MY DISPUTES. 

I SENT THEM MULTIPLE OF DISPUTES EVERY 30 DAYS FOR 3 MONTHS STRAIGHT, WITH NO RESPONSE. 

PLEASE HAVE THEM DELETE THIS INACCURATE CENTERPOINT ACCOUNT FROM MY CREDIT REPORTS. 

IF THEY DON'T REMOVE THIS ACCOUNT I'M MOVING FORWARD WITH LITIGATION, AND STANDING ON MY CONSUMER RIGHTS THAT THEY HAVE TO ABIDE BY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> SS # XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX Experian sent me multiple stall letters which it violate 15 U.S.C 1681I Fail to Reinvestigate My disputes there are still inaccurate information accounts on my credit reports 15 U.S.C1681EB states CRA 'S shall follow reasonable procedure to assure maximum possible of accuracy to whom it relates 15U.S.C1681 S-2 ( b ) violates Fair Debt Collection Practices Act 15 U.S.C.1692 E ( 8 ) States information which is known to be false. 

please see attach document of the stall letters
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

M & T Bank reported a negative trade line account on my credit report. 
This is not my account and the information was reported inadvertently. 
Hindering my ability to obtain the opportunity to receive the credit credentials due to me.
Product: Mortgage

Here is my Loss Mitigation packet, I just received this packet XXXX days before the deadline of XX/XX/XXXX to submit this packet, and I called customer service several times to speakto an XXXX, so that I can get help in filling up the Loss Mitigation packet, but to no avail. 
Anyways, I filled it up as per my knowledge. 
I am sending you last XXXX months of Bank Statements where I have received my rents. 
Eviction documents of XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, also my covid test results from XX/XX/XXXX, my XXXX, and XXXX XXXXXXXX report. 
I hope we will be able to reach some kind of resolution.
Product: Student loan

I went to XXXX XXXX for XXXX and being that I worked in the morning I went to evening classes. Only to find out there was only a teacher there to teach me 2 days out of the 5 day week. I 'll be thrown into the lower level classes to watch them do the SAME thing I just passed. It was n't fair! I feEl that school took my money for the loans and I do n't think I should pay that back. I started in XX/XX/XXXX and left in XX/XX/XXXX.