23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to open a credit account at the checkstand of the local Kohl 's Department Store.  When I entered my SSAN into the card reader, it showed the number belonging to an XXXX XXXX. Because of this, I was unable to open an account. On XX/XX/XXXX, I contacted Kohl 's Fraud Department by phone. A representative used the " national database '' to verify that the SSAN is indeed mine. I was told that on XX/XX/XXXX, a letter had been sent to XXXX XXXX, whose address is in California, and who opened the account in XX/XX/XXXX, requesting that he provide documentation to verify his information. If there was no response to their letter to in 30 days, another letter would be sent. The representative also told me that XXXX 's name was associated with another account that used a SSAN with one of the middle digits being one number off from mine. He said further that the name is also associated with another SSAN that belongs to someone by another name. I was offered the option of faxing or emailing to Kohl 's fraud department my photo ID, a copy of my SS card, and a copy of a current utility bill to verify MY identity. I objected, citing security concerns, and was told that there is no other protocol because of Kohl 's agreements with credit card companies. I asked for an address to mail a form letter from the identity theft website but was told emailing the letter would be faster. There is no option for emailing a letter at identitytheft.gov ( and none of the letters covers my specific problem ), and I 've been unable to locate a mailing address for Kohl 's headquarters. I called Kohl 's fraud department again on XX/XX/XXXX. A representative there checked the file. There has been no further activity, although my previous telephone call has been documented there. The rep suggested that the use of my SSAN for the other account could even have been the result of " XXXX fingers '' when someone entered it into their system initially ; but there is no other recourse for closing the file or removing my SSAN from it. She suggested notifying the Social Security Administration to prevent identity theft. It 's been 12 years since the Kohl 's account was opened and it has not been used. In my opinion, that is enough reason for Kohl 's to close the account and remove my SSAN from their system. Because I was notified this week that my identitytheft.gov account would be closed if I did n't log in, I logged in today and chatted online with a representative there. He suggested I file a report with consumerfinance.gov.
Product: Payday loan, title loan, personal loan, or advance loan

I've never been late on my PNC Bank Personal Loan Payments! Ever. Yet they report to the credit bureau that I'm 30 days late on my payments. My XX/XX/year> PNC Loan Statement also shows late fees of {$53.00} even though I've never been late on making a payment. I go into a local branch and make my loan payment and get receipts to make sure that I keep a record of my transactions, but PNC Bank still shows me making more than 3 late payments. This is crazy! What can I do t rectify this situation? Do I have to go to court or sue them to correct the misinformation or are they just delinquent in their reocord keeping. Please advise or I will seek advice from my Veteran Adminstration legal department.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX Bill ( Account number ( XXXX ) on my file was discharged in my bankruptcy in XX/XX/2013. It is incorrectly recorded on my bureau as a " charge off '' instead of " included in bankruptcy ''. I disputed this with the bureaus and they left it on my file as it was. This is a violation of federal law. I have included my bankruptcy paperwork showing the XXXX debt.
Product: Debt collection

Hand chip in window, went to XXXX to repairs. According to Kentucky law chip window is covered and pay through the state? Im a resident of kentucky but didnt receive my Kentucky plates yet
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  : I am requesting affidavit forms to be sign and notarize by a senior executive verifying my signatures that willfully comply with authorization to furnished a credit reports, files or consumer reports on my behalf. I did not give XXXX, Experian or XXXX  ( consumer reporting agencies and bureaus ) consent to allow creditors to used a statistical tool to evaluate information associated with extending credit to me. In pursuant for a creditor after the credit report is assessed, I did not give consent for XXXX, Experian or XXXX  to create a report or file to fulfill the creditor 's actions. In pursuant of the score is calculated as a result of data processing activities performed by XXXX, Experian or XXXX, I did not give consent. In pursuant to scores are calculated on upon the request of a creditor, I did not give consent to XXXX, Experian or XXXX  to create a report or file to furnish to creditor or alike. I did not give XXXX, Experian or XXXX  the consent to create a credit history information in my credit report or file, including the inquiries, outstanding balances, number of accounts, age of accounts, etc.. to calculate a score. These credit reports or files are FRAUDUENT. Because, I did not give any written consent to disclose any of my financial transactions, medical history and any information regarding a credit score. No consumer reporting agencies or bureaus shall use any false, deceptive or misleading representation or means in connection with collecting any debt. XXXX, Experian and XXXX  falsely claim to have authorizations to create credit reports and files. XXXX, Experian and XXXX  shall refrain from acting aggressively to report negative information to a consumer 's file and report due to a fee and mutual agreement with the creditor. I will like for you to reinvestigate and send me the requested affidavit ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate late payment reporting on my credit file, which has been reported to XXXX, XXXX, and XXXX by Lendmark Financial Services. I have always had a great relationship with Lendmark and have managed my account responsibly. Unfortunately, due to financial hardship following the birth of my newborn, I fell behind on my payments. However, I find it deeply disappointing that Lendmark would choose to report this in a manner that jeopardizes my creditworthiness and reputation. 

Specifically, I dispute the accuracy of the alleged late payment transactions reported to my credit reports. According to 15 U.S. Code 1681a Definitions ; rules of construction, the term " consumer report '' does not include information solely concerning transactions or experiences between the consumer and the reporting entity. Therefore, transactions and experiences with your company that fall under this exclusion should not be furnished to consumer reports. 

The law states under 15 U.S. Code 1681a ( c ) Exclusions : > " ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include > ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' My transactions and experiences with Lendmark Financial are excluded from the consumer report. You have no legal right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

Additionally, the only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments, which stipulates : > " ( 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. '' To comply with this section of the law, Lendmark Financial must provide proof that the information required under 15 USC 1637 ( b ) was mailed out or delivered to me 21 days before the payment due date. Please provide this proof, as a creditor can not legally treat a payment as late without adhering to this requirement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX 
XXXX, TX. XXXX XXXX XXXX. XXXX XX/XX/year> XXXX I am requesting a current copy of my credit report and that you remove any and all freezes or Fraud Alerts on my report.

Under the FCRA I am allowed to get a free copy of my credit report every seven days.

Disputed item : I have never lived at XXXX XXXX XXXX XXXX XXXX, IL. XXXX and under the FCRA you can not just state that because an account shows that address that you are leaving the address on my credit report you must do independent research and provide me with the type of research you did and the outcome.

I have no problem filing a complaint with the CFPB and filing a lawsuit under section 1681n. Civil liability for willful noncompliance of the FCRA. 



XXXX XXXX. XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I went to XXXX XXXX XXXX  to get a loan, due to inflation and everything going up. I got approved for XXXX. I made XXXX payments and my balance was only XXXX. I said to myself something is not right. I looked at my loan documents because the interest rate is not on there website. My interest rate is XXXX XXXX. Way over my state limit by a lot. I tried to call them to get extensions on the loan and they said no. Asked why the rate wasn't on there website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I was auditing my credit report when I notice XXXX XXXX XXXX  XXXX continues to reporting adverse actions, reported XXXX and XXXX of XXXX. This adverse action continues to hurt my credit score, no matter what I have done to prove this injustice.The negative and defaming information is hindering me from getting a favorable credit score. I do not agree wit their action and challenge their accuracy and integrity. 12 CFR 1022.71 ( a ) Adverse action has the same meaning as in 15 U.S.C. 1681a ( k ) ( 1 ) ( A ) .adverse action ( 1 ) Actions included. The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.. I do not agree with their actions. 
12 XXXX 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 XXXX  1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and
Product: Credit card

I contacted American Express to change my XXXX XXXX XXXX card to the Delta SkyMiles blue card due to having an annual fee. I was assured by the representative that completed my product change that my credit limit of {$1700.00} would remain the same and that there would be no credit pull since all they were doing was a product change. XXXX days after my account was converted to the XXXX XXXX XXXX card, American Express lowered my credit limit to {$1000.00} stating that due to credit pull my score had gone down. During that few day period I made several purchases and paid them off the same day, I spoke with another representative that said my account would be re-reviewed and that someone will call me within XXXX business days, I never received a phone call and my limit remains at XXXX. I feel this is discrimination because I'm not giving American Express additional money from an annual fee and just because I downgraded my card, they decided to lower my limit. I've been with American Express for a few years now and have always paid my bill and paid off my credit several times in full in the past.
Product: Debt collection

I have no knowledge of this debt. I have not received any notification of debt collection. I was not given an opportunity to dispute or receive validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Apple card by Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX. Had this transaction Transaction date : XX/XX/2020 Merchant name : XXXX  XXXX XXXX XXXX  Disputed amount : {$740.00} Wich, I did not make nor authorized. This was credit back in the account, however months after charged again and now shows in my credit report as derogatory. I no longer have an apple phone and am unable to see statements online nor never received any mail regarding this. Apparently, the only way to view would be using an XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified letter was sent and electronically confirmed received by Experian on XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX, requesting copies of documents on file proving the debt had been validated, for example signed and dated contracts, itemized billing statements copies, and anything else that was in my credit file. 

As of today, XX/XX/XXXX, I have not received the requested information. 

They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation. 
XXXX and XXXX proof of certified request received is also attached. 

Please note that as of today, XX/XX/XXXX, I have not received the requested information. I spoke to XXXX different people at XXXX, XXXX XXXX, XXXX XXXX, XXXX Special Handling Rep.and XXXX XXXX, Senior Supervisor. They all acknowledged my rights under the fair credit reporting act but refused to comply and provide me with copies of the requested information they used to authenticate the debts reported against me or delete the information after acknowledging they did not have the requested information and therefore could not authentic the debt. Their actions are having an adverse effect on my me and my credit reputation as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times, with and without the assistance of the CFPB to have Transunion perform a PROPER investigation into the public record on my credit report. They state, on their website that public records before XX/XX/2018 were sourced from XXXX. I have included this webpage as part of my attachments. 

I have proof from XXXX, via my Consumer Disclosure File, that no such public record exists on my file. Yet, Transunion continues to assert that they indeed reached out to XXXX and that XXXX verified this public record which is false. 

I know this is false, because I have personally reached out to XXXX and asked them to verify to me if there was a public record, more specifically a bankruptcy on my consumer file, and they said no. 

Transunion, I am requesting that you do the same. Please do your due diligence and contact XXXX. You will find that there is no such public record on my consumer file. And when you confirm this, you shall remove this immediately from my credit report.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXX XXXX  Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX  XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX Listed below are the Inquiries that are being challenged 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

My cash app was hacked by user and merchant XXXX XXXX XXXX XXXX XXXX their website, who stole {$1300.00} from my CashApp account. They had added many transactions of {$610.00}, {$310.00}, XXXX, XXXX, and XXXX from my bank account to my cash app and sent them over to a XXXX  account that I did not setup before sending money to this account. I had multiple attempts to contact the merchant to give me back all of my money back to my account and with no success, so I then contacted 2 times to dispute these Fraudulent transactions made by this person but for the bank to deny my claims. I have an email copy of the letter denying me my claim and their reason behind why they deny my claim.
Product: Credit card or prepaid card

To whom this may concern my Tracking for my check was XXXX my item was picked up at a postal facility at XXXX XXXX  on XX/XX/2022 in XXXX, FL XXXX by SYNCHRONY BANK XXXX. The item was signed for by XXXX XXXX. This was for XXXX bill. 
Only a portion of my bill was paid I have evidence to prove it. I endorse the check for {$5000.00} and only {$3000.00} was honor. 
XXXX Your item was picked up at the post office at XXXX XXXX  on XX/XX/2022 in XXXX, FL XXXX. This is for XXXX bill. 
Since {$3000.00} was endorse [ wrote a check ] out for the remaining balance of {$2000.00} for the month of XXXX. 

I also had agents of the company denying my rights as a consumer to pay a bill.
Product: Vehicle loan or lease

I purchased a new car in XX/XX/XXXX, BB & T financed it. The first payment was due XX/XX/XXXX when I received my first statement the balance was {$17000.00} I paid {$340.00}. My payments are XXXX for 72 months. Every month I pay more than the amount I owe. I accidentally made a double payment in XXXX. Since then I have made four payments totaling {$1200.00} which by my calculations my balance should be {$16000.00} but instead BB & T has my balance as {$16000.00}. They are charging interest every month and at the rate, they are going the car will not be paid off in 72 months. also, they will receive more than the contract I signed. MY balance is not reflecting my payments. They are not putting the payments towards my balance but instead are distributing them as if I am paying a mortgage instead.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information related to my account as reported to the credit bureaus. This letter is sent in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, and the Truth in Lending Act, specifically 15 USC 1666b.

Upon reviewing my credit report, I noticed the following discrepancies : 1. incorrect payment history I believe this information is incorrect for the following reasons : late payments are being reported inaccurately and I always maintain an consistent payment history. Upon reviewing the credit report I noticed Consumer are reporting 3 different payments history. Which plays a crucial role in my credit report.

In accordance with 15 USC 1681i, I request that you investigate this matter and correct or remove the inaccurate information from my records. I have attached a copy of my recent credit report to support my claim.

Furthermore, under 15 USC 1666b, I am also requesting that you review any billing errors associated with this account that may have contributed to the inaccurate reporting. Please provide me with a detailed explanation of any findings from your investigation and any actions taken to rectify this matter.

I appreciate your prompt attention to this dispute. Please respond to me in writing at the address listed above within 30 days of receiving this letter, as required by law.

Thank you for your cooperation. 

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

I am filing this complaint because Experian has failed to properly investigate and verify accounts that I have disputed as a inaccurate on my credit report. 

Despite providing detailed information and evidence to support my disputes, Experian continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Experian 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : 1. Experian has failed to notify me of the methods used to a verify the disputed accounts.

2. Experian has not provided any proof from the furnishers of the disputed information to confirm its accuracy. ill 3. My disputes have been dismissed without proper reinvestigation, as required by law. 
I request that the Consumer Financial Protection Bureau intervene to ensure that Experian adheres to its legal obligations Thank you for your attention to this matter.