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

I am interested in disputing all incorrect information on my credit report with experian. delete all invalid data asap that is hindering my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i am filing this complaint against Experian XXXX and XXXX credit report agencies who failed to investigate a late payment that was reported by XXXX XXXX in XXXX, with the account # XXXX under the FCRA experian is required to verify all information received from creditor before that information is added to a consumer file. but experian failed to do so on my case since XXXX and never sent me in writing a prove of that late payment from XXXX and still continue to list that false late payment. this morning i check online on my credit report and i saw that same late payment listed, i already sent them a letter in the begining of XXXX to remove this information by certify mail but experian refused to remove it. i called and requested to speak to a manager and got hung up several time ehrn i said i will file a complaint against them with CFPB. Experian is using deceitful manner to run their business XXXX and XXXX did removed it after their received my letter. i called them to make sure it was deleted from my credit report and it was confirm by their representatives that it was done. at my biggest surprised they listed again because i told experian that representatives that XXXX  and XXXX removed that false information why they do not want to do the same. they are horrible companies that need to be closed down
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to talk with the Equifax support group at XXXX and the other number I have found XXXX option 6 and the persons or people I talk with are from another country. 
The problem is that the people from these third would countries can not speak very good or very poorly English. Why are the companies such as Equifax and the other using call centers from third world countries, that are handling the United States citizens credit information? 
It is unbelievable, that this continues after the Equifax breach which effected millions of hard-working American citizens. 
I have used up nearly two hours of cell phone minutes to talk with someone about the issues I have with the Equifax web site. No one in the Equifax support group can give me the information I require. 
I have placed the security freeze at Equifax on XX/XX/2017 and hopefully it is still in place. When asking on the Equifax support group if they can give me some type of confirmation about this, I fall into the Equifax black hole. There is no way to confirm this from the Equifax web site. 
When asking for Equifax support from the call centers in the United States of America I get the run around, and if someone does pick up, they are unable to answer, or help out with any issues, on the Equifax web site. 
This is madding and confusing why do I have to be punished as an American citizen to put up with this Equifax. I did not give them permission to do any credit checks or hold any of my credit information to sell, or release to any company for profit. 
What law is there to protect us from Equifax, or others? Seems like there are lots of laws, but none to protect the American citizens from the credit bureaus or others. Just a fine and a hand slap, well thats nice but what about jail time, seem fit, to me. 
How about this. We The People have the right to vote or this issue on the next ballot, Jail Time for the companies that have lost or might loose your information on the web. They just might pay attention to this.
Product: Vehicle loan or lease

At end of paying off auto loan 6 years period and maturity date is XX/XX/2021. Santander stating that I may owe a balance after maturity date when last payment is made etc. Was not informed of this on getting original loan and through conversations with agents
epresentatives was told when my last payment made car loan will be paid off. Recently was told because of extensions I received on loan ; would have a balance or balloon payment yet I am paying interest at high rate. Would not even give me any estimate and vague about answering questions concerning the loan pay off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$300.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$810.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX Balance Owed : {$65.00} XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Owed : {$440.00} XXXX XXXX  XXXX Balance Owed : {$29000.00} 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
Product: Credit card

XXXX of XXXX  I went to school using my XXXX card as it's mandatory for XXXX XXXX XXXX. While I was in school, XXXX charges were on my account ; XXXX for flights and XXXX for agent fees. After the military paid the card off this year, I was informed by citi bank there was still a balance to which they started adding on late fees and have since terminated my ability to use the card due to these XXXX charges that I've since disputed XXXX of this year and has still and yet to be resolved. The representative went as far to imply the military itself had put these charges on my card and that I needed to take it up with them as she's seen this happen before. She also said she can only discuss this further with the XXXX. I called back in after locating the XXXX which was time wasted as the representative hardly spoke to him. I'm always told I'll receive a call back, which never happened over the span of 5 months. My family and I are due to XXXX  and need the card for flights ( per military guidelines and regulations ) and I can not due to the fact this issue is unresolved. I'm unsure how my account can be closed off to me based on fraud. This is malpractice.
Product: Credit reporting

I have not received a final response from Equifax because they are not responding to me. After months of attempting to obtain my credit report, I have heard nothing since submitting copies of my identification over XXXX weeks ago. 

I have received multiple notifications from merchants that my credit card information has been compromised and have been attempting for months to get a copy of my credit report. The credit reporting agencies appear to be manipulating the system to make it very difficult actually to receive a report. First, I attempted to get a credit report from the website. One of the required questions was the exact amount of the payment on a car loan that was paid off more than ten years ago. Next, I attempted to order a report by telephone and was told by the system that I had to write in. Then, I wrote in and eventually received a form letter claiming that my address was unknown. My address is a house that I own and have carried a mortgage on for XXXX years ; the mortgage itself - with my home address - is surely on my credit report. The response is wholly implausible. Nevertheless, I wrote in over a month ago ( XX/XX/XXXX ) providing, as requested, a copy of my driver 's license and my Social Security card. I have received no response. 

Equifax 's conditioning the required free credit report on information no one would reasonably be expected to possess ( the amount of the monthly payment on a loan closed for over a decade ), the claim that easily verifiable information ( the address of a house on which I have had a mortgage since 2002 and for which I have all the standard utility accounts ), and the failure to respond even after I have provided all requested documentation following multiple attempts over months - all while I have been told by credit card processors that my information has been compromised and I should check my credit reports immediately - is inexcusable and, taken together, raises strong inferences of a deliberate attempt to comply in form with the requirement to provide credit reports while in practice making it as difficult and burdensome as possible to obtain those reports. I also note that I have been offered " credit monitoring '' and other paid services along the way ( for example, " Equifax Complete '' ). I suggest that the credit bureaus be prohibited from offering paid consumer credit monitoring services in order to remove the obvious conflict of interest giving them every incentive to make it difficult for consumers to obtain the statutorily mandated free reports and drive them to the paid services.
Product: Credit reporting

I contacted Experian more than once to inform them that XXXX items on my credit report are no longer associated with me and need to be expunged from my credit file. The items are XXXX loans with XXXX XXXX XXXX XXXX. I co-signed the loans with my wife in XX/XX/XXXX. However, in XX/XX/XXXX, the debt was reaffirmed by my wife per XXXX XXXX, which removed me from any connection to this debt, just as the way a refinance works- the new loan terms replace the original loan terms. What happened was that XXXX XXXX hired a collection attorney to issue a confession of judgment and payment stipulation agreement to my wife. This reaffirmed debt has been in effect for more than 2 years, but XXXX XXXX refuses to report the change to the credit bureaus, and Experian refuses to conduct a proper investigation beyond verifying that I originally co-signed the loans. Attached is the acknowledged payment stipulation agreement from XXXX 's collection attorney that I provided to Experian, and to XXXX XXXX and the other credit bureaus, so that they would take action and remove the XXXX loans from my credit file. Also attached is my correspondence to the credit union and the credit bureaus. XXXX is the only party who responded to my dispute by stating that they deleted the XXXX loans from my credit file. Attached is their response to my dispute with the appropriate results. Please investigate this matter of noncompliance on the part of Experian. I am filing separate complaints for Experian, XXXX, and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have enclosed a copy of the FTC Identity Theft Affidavit and section 605B of the Fair Credit Reporting Act ( FCRA ), which details very clearly what exactly Credit Bureaus responsibility -- that being THAT Credit Bureaus ARE to block fraudulent misinformation AND/OR UNPROVEN INFORMATION on my credit report resulting from inaccurate, unauthorized, and/or unverifiable information including any such identified items of misinformation that is disputed in writing, up to and including but not solely limited to fraud and/or identity theft. 

Recap : FTC Identity Theft Affidavit, Cover Letter, FCRA 605B BLOCKING LAW, Fair and Accurate Credit Transactions ( FACT ) Act of 2003
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Credit card

I am an XXXXXXXX XXXX XXXX I applied for my first credit card at Bank of America, but because I have no credit history they only open card if I put in {$500.00} first. I did so. Still got rejected. Then I actually got the card in the mail! I closed it immediately in XX/XX/XXXX. Was told they would mail me the {$500.00} check. Did not receive. Contacted again XXXX, and again XXXX, and AGAIN XX/XX/XXXX. They have been demeaning and unhelpful each time. And I still have not received my {$500.00} check back from them. It feels like a scam they pull on young people. Shame on them. Help me get my money back.
Product: Debt collection

DEBT VALIDATION LETTER Date XXXX XXXX Dear, LVNV Funding LLC This letter is being sent to you in response to : XXXX XXXX XXXX XXXX  ) - Notice sent to me on, XXXX XXXX - Response to a listing on my Credit Report. 

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 davs to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If vour office fails to respond to this validation request within 30 davs from the date of vour receipt. all references to this account must be deleted and completely removee fom my credit file and a copy of such deletion request shall be sent to me immediately. 



Sincerely, XXXX XXXX XXXX
Product: Mortgage

Im currently in the closing phase of selling my property to prevent foreclosure and Im unable to obtain the payoff request from Flagstar Bank. 

The attorney working on my sale has sent the necessary forms and we have received no information. Ive been told by the foreclosure attorney that they have not received the necessary information they need from their client ( Flagstar Bank ) and are unable to proceed due to lack of contact with Flagstar. 

Ive completed the necessary form in writing and it has been over XXXX business days and Flagstar has failed to comply with my request. 

Ive tried to contact Flagstar multiple times and Im unable to get to the payoff department or get any supervisor or employee on the line who cares to help me. I have now had to push my closing off 3 times due to lack of the payoff request. Customer service is non existent and Im in jeopardy of losing the sale and the property as my forbearance will be ending. I believe this is a deliberate attempt to stall by the bank. They have failed to cooperate and or communicate with myself and the title company attorney. I need a resolution immediately. I have waited over XXXX hours on hold on XXXX call, been hung up on multiple times and get transferred to space every time call.
Product: Credit card or prepaid card

I have been trying to dispute a charge on my credit report and it seems as if Bank of America dont want to help me. I was suppose to go on a cruise with my mom and we were not able to go because she got a new job. So I was not able to go on the cruise, I previously dispute the charge with the cruise line and they didnt want to help either. I also would like to negotiate my credit card debt with them and they are discriminating against me because I closed my credit cards with them. I closed the card because they never try to help me with anything I ask for. They keep telling me no they are not going to help me.
Product: Vehicle loan or lease

I filed a chapter XXXX bankruptcy in XXXX and it was fully discharged XX/XX/XXXX. I reassumed my lease with Toyota and have never missed or been late on a payment throughout the life of the loan. I have been completely iced out of my TFS account since XX/XX/XXXX ( when I filed ) and Im directed to call if I have questions about my account. Around XXXX I realized Toyota stopped reporting to my credit in XXXX so Ive made multiple calls to Toyota. They advised they didnt know my bk discharged so they couldnt report and to send them papers proving it, which I did the same day. Ive called multiple times since then and they still have my TFS account reporting the same way, one of the representatives I spoke with told me to dispute it through the credit bureaus to get the proper reporting. So I took that advice and disputed the reporting with the credit bureaus which has now resolved. Instead of Toyota updating the balance of the loan and reporting my timely payments, they simply reported the loan as paid in full on XX/XX/XXXX. Clearly not the case since Im still paying nearly $ XXXX. 

Furthermore, Toyota financial will not provide me an accounting or statements showing the balance of the debt. So not only will they not appropriately report to the credit bureau but they will not provide me ( the creditor ) any information on the balance of the loan.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I plan to finance a house and I 'm currently shopping for a mortgage through various lenders. As long as I 'm aware, once my credit report is inquired- I 'm good to shop around for same product and my credit score wo n't be impacted. However, my credit score dropped 7 points after I applied for a loan through my own bank ( Bank of America ). Now if this continues, I wo n't be able to find a fair product in the market and my credit score will drop significantly with each inquiry for a similar loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX called and verified all my info .told correct info spoke with a representative and he told me everything was good to go! Called back today as someone is telling me something different. Manager rude. I mailed certified letters also contacted the original creditors. The creditors told me to contact the credit bureaus. Im not sure why they havent received or gotten clearly as a client I did my part Inquires are 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
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Please refer to details provided in Complaint ID XXXX which has been closed prematurely without an explanation from Bank of America and without resolving the issue. 

In this connection, please refer to Class Action Lawsuit against Bank of America under Case No : XXXX The details may also be checked on XXXX
Product: Checking or savings account

My brother, XXXX XXXX, is an existing Chase customer and sent me a referral link to open a checking account with Chase. When I clicked on the link, the webpage said {XXXX} sign-on bonus. So I continued with the account opening that was successful but I got a message saying coupon could not be applied. I tried chatting through the Chase mobile app but their automated responses didnt help so I called customer service. The agent said there is no offer for opening this account, which contradicts what was advertised. This is misleading the customer and tricking them into opening an account. Chase is clearly exploiting their monopoly position.