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

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian is VERY difficult to deal with. The temporary unfreeze option at https : //www.experian.com/XXXX DO NOT WORK. I was forced to go through Experian XXXX in order to unlock it. But once I unlocked it, it's requiring me to pay money to lock it again. 

I have tried calling them at their listed #, XXXX, but no matter what options I choose, I can not get to a human being and the system hangs up on me. It's very frustrating. 

Experian is holding me hostage, trying to make me pay to freeze my report again.
Product: Checking or savings account

I returned an item and the store refunded the money to my debit card and PNC Bank put a hold on the funds and refused to release them to me. 

They have repeatedly held my deposits, including cash deposits for up to two weeks. And, when I said that I need the funds earlier, they accused me trying to commit fraud!! 

When I tried to set up direct deposit, they accused me of trying to launder money!! 

This company is completely insane and unethical. 

They charge ridiculous fees that are actually illegal. They have changed the terms of the account that I have, without my knowledge or consent-so that they could charge me more fees. This is the most unethical bank that I have ever worked with.
Product: Credit card or prepaid card

I sent XXXX XXXX a negotiable instrument as the holder in due course with instructions to pay the bill and leave the credit card open for future use for personal, family and household purposes. I signed with Surname, given name and the account was immediately closed. XXXX  XXXX is in violation of 12 CFR 1007.2 ( b ) and ( c ). The account is fraudulent due to XXXX XXXX 's failure to include 10-point bold face notice pursuant to 16 CFR 433.2. 

Acct. Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Surname XXXX XXXX XXXX name XXXX XXXX Without Recourse, all rights reserved. UCC 1-308
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX XXXX, IL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX XXXX  XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$48.00} -ChargeOff XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXX-Collection XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXX-Collection XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXX-Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX open : XX/XX/XXXX Balance $ XXXX-Collection Inquiries included in dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XXXX Account Number : XXXX Date open : XXXX XXXX XXXX XXXX Balance : {$330.00} -Late/Open XXXX XXXX XXXX Account Number : XXXX Date open : XXXX XXXX, XXXX Balance : {$230.00} -Late/Open XXXX XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$65.00} -Late/Open XXXX XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXXLate/Open XXXX  XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXXLate/Open XXXX XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : $ XXXX-Late/Open XXXX Account Number : XXXX Date open : XX/XX/XXXX Balance : {$0.00} -Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account. TransUnion did not verify the following key information : Payment status Amount past due Worst payment status Times 30/60/90 days late Minimum monthly payment loan terms late payment dates any payments made and when
Product: Credit card or prepaid card

Hello, I filed a transaction dispute for the transaction of {$45.00} XXXX XXXX XX/XX/2022. Discover first resolved the transaction in my favor but later reopened the dispute and resolved it in the merchant 's favor. The transaction was unauthorized because I made a valid transaction with the merchant on the same day for {$64.00} but the waitress charged my card for a further {$45.00} without my knowledge. I did not sign a receipt for {$45.00} and if they have evidence of this I would ask them to show it. When I called, the agent advised me to submit proof of the {$64.00} purchase, but why would that even be relevant if I'm not disputing that transaction? It makes no sense.
Product: Credit reporting

I am filing this complaint because EXPERIAN has ingored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verifiy these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to ... promptly delete all information which can not be verified.that i have disputed.Please resolve this manner as soon as possible.Thank you.
Product: Checking or savings account

Citibank closed my checking account that I have had for 44 years without explanation or fore warning I received their letter a day after my account was closed causing me all kinds of difficulties : Auto debits checks written and pending auto credits that were due to be deposited into my account Much confusion because I could not access my account! 
I talked to a manager of Citibank and received no answers or explanations as to why they closed my account My sizable balance was returned to me again without explanation five days after closing my account
Product: Vehicle loan or lease

I was Denied access to my principal 's credit. Provided no consideration for the application.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX reporting unknown inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

After a careful review of my credit report, it has come to my attention that I have been a victim of identity theft and my credit status has been seriously compromised and I'm demanding that the 3 major credit bureaus block these unauthorized and unknown accounts to me immediately in light of the laws of the FCRA. Please provide me with certified physical documentation of these accounts or delete them immediately. As following, ( 1 ) XXXX/XXXX XXXX {$3600.00}, ( 2 ) XXXX XXXX XXXX XXXX {$790.00}, ( 3 ) XXXX XXXX XXXX {$760.00}, ( 4 ) XXXX  XXXX  {$150.00}, ( 5 ) XXXX   {$140.00}, ( 6 ) XXXX XXXX XXXX {$2300.00}, ( 6 ) XXXX XXXX {$5300.00}, {$6400.00}, ( 7 ) XXXX XXXX XXXX {$16000.00}, ( 8 ) XXXX XXXX {$1500.00}, ( 9 ) XXXX XXXX XXXX XXXX {$0.00}, ... I'm demanding that these accounts be removed or support by certified documentation, You cooperation is Appreciated.
Product: Mortgage

I purchased my residence in XXXX. The original lender was XXXX, who subsequently sold the loan to XXXX XXXX. While with XXXX XXXX, I set up automatic payment withdrawal to XXXX XXXX. At some point, XXXX XXXX sold the loan to Rushmore. Neither XXXX XXXX nor Rushmore notified me that my loan was sold/purchased until several weeks later. I received a notice that I was purportedly late on XXXX month payment. After speaking with a representative with Rushmore, Rushmore disclosed that XXXX XXXX accepted a loan payment after XXXX XXXX sold the loan to Rushmore. However, the representative with Rushmore refused to correct the error. As a result, according to both Rushmore and Mr. Cooper, my monthly payments are being applied to interest arrears. Additionally, Mr. Cooper is reporting the debt as delinquent, damaging my credit score and my ability to obtain credit. My lawyer has sent a demand letter to Mr. Cooper/Rushmore which has been ignored with no response. At XXXX point in XXXX I was fed up and paid them the fees, etc. They continued to tell me I was late and owed many thousands of dollars in fees, etc. Despite this, they have reported my account as on time XXXX  % from XXXX until XX/XX/XXXX. All payments are automatic from my bank and paid XXXX days prior to the due date and automatically adjusted for holidays and weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the Experian after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX  XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts to BLOCK OR REMOVE it in my credit file. I attach a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers License, and my Social Security Number are all included in this complaint request. I want you to know that I am telling the truth and the Experian not block the going with things recorded underneath which are noting mistakenly a result of extortion
Product: Vehicle loan or lease

I submitted a complaint on XX/XX/XXXX after speaking with a representative, and asking for a settlement, they refused, then responded to my complaint stating they extended a settlement offer, however they have not tried to contact me once since the initial date in which I spoke with them, they then responded to my initial complaint stating to contact them to finalize the settlement offer of XXXX approved on XX/XX/XXXX per their response to me via this portal, and they refuse to have anyone call me back. 

I called XX/XX/XXXX, never received a call back on XX/XX/XXXX as stated in their previous response. 

I called XX/XX/XXXX after reading their response to CFPB, and was told i would receive a call back, and never did. I am now on the phone XX/XX/XXXX at XXXX PST and was told I will receive a call back, but they have no idea when I will. 

I just want to pay the {$11000.00} they agreed upon in my previous complaint, but they have sent no formal settlement offer to my email address on file, nor have they tried to call me at XXXX - I am asking for them to send me via email to XXXX or XXXX a copy of settlement offer, and allow us transfer funds, or set up a payment immediately to finalize settlement offer. 



Original complaint below XX/XX/XXXX Purchased vehicle for XXXX, at interest rate of 19.35 % with sub-prime lender Exeter Finance, located in XXXX Texas, Promised by finance officer that we would be able tor refinance, however actual value of vehicle was never the amount that was listed, and due to several mechanical issues, and failure with engine, it made it impossible to refinance this vehicle. Requested assistance XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no options made available by Exeter and was told I would have to complete 72 payments on original contract and there is no reprieve that can be provided, even based on the current value of vehicle. Current vehicle is worth less than the settlement offer, they have received total payments in the amount of XXXX well exceeding the amount of the loan originally financed, and am hoping they will take the little amount I have and settle on this debt so i can move on with my life. This is a predatory loan, with no exit. Refinance, is impossible as it would require the difference of what is owed on this underwater XXXX. I have done my best to comply with the awful interest on this loan, despite now being qualified for better financing, and a better rate on a brand new vehicle, however the purchase of this vehicle and terrible interest haunt me.
Product: Credit reporting or other personal consumer reports

FCRA vioations not mine not my loan XXXX XXXX SERVICES Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XXXX XXXX Balance {$14000.00} Balance updated XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XXXX  Status Account charged off. {$26.00}, XXXX written off. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$250.00} as of XX/XX/XXXX Monthly payment was never late XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Child Support Responsibility Individual Date opened XX/XX/XXXX Status Open. {$5.00}, XXXX past due as of XXXX XXXX 
Status updated XX/XX/XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Recent payment {$1000.00} as of XX/XX/XXXX Monthly payment {$1100.00} Original balance never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a credit card on XX/XX/XXXX and am going to be charged XXXX dollars for a yearly fee. My question is why are they charging me up front and I will be charged again next XXXX. It's as if I'm getting charged twice for the first year. I didn't create an account or get my card until XX/XX/XXXX. I think they are doubling charging the fees for new customers and I'm probably not the first. Am I correct or wrong I'm just wondering. Thank you
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 my 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 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.

TRANSUNION 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: Debt collection

I received a letter fro m ARS National Services Inc da ted  XXXX   XXXX 2017 stating that an account (  XXXX   XXXX   XXXX  ) has been placed with their organization for collections with a balance of {$1000.00}. On  XXXX   XXXX ,    2017  I sen t ARS National Services Inc  a letter that they received on  XXXX   XXXX ,    2017 to provide me with proof that this debt belongs to me. ARS National Services Inc  sent a letter dated  XXXX   XXXX ,    2017  stating the date account was opened, the last charge made on account, the last payment made on account and  two  billing statements from  XXXX   XXXX .  ARS National Services Inc  has failed to provide me with a contract with my signature stating I agreed to this debt.
Product: Credit reporting or other personal consumer reports

I disputed on XX/XX/2023 and in XX/XX/2023 the derogatory mark on my credit report. that is currently listed on my TransUnion. The wrong information remains on my credit report and continues to negatively impact my credit score. The continued listing of this late payment proof that their procedures have not been adequate in this case and did not provided within the legal time frame with the steps and resolotion of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an obsolete credit account which can not be legally reported after 7 years. Request permanent deletion of all XXXX XXXX XXXX XXXX account XXXX,
Product: Credit reporting or other personal consumer reports

On my credit reports it was reported that i have a late mortgage payment for XX/XX/year> which is incorrect
Product: Debt collection

This apartment complex is trying to collect money from me when I never lived there, never signed anything and never even been to this place. Its reporting negatively on my credit report and ive never associated with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus XX/XX/XXXX To whom it may concern, I recently sent your agency a dispute document requesting an investigation of inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : # XXXX XXXX # 2 Current address # 3 Current employer Once again, I am notifying you that these items are not reported correctly for the reasons listed below, and I am asking you to reinvestigate them : 1. My current phone number is XXXX a. XXXX was stolen from me and is under police investigation by XXXX XXXX XXXX XXXX XXXX. 
2. My current address is XXXX XXXX XXXX, XXXX, FL XXXX a. XXXX XXXX XXXX, XXXX, Florida XXXX was my previous address 3. My current employer is Blue Origin According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. 
Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC Sections 1681n and 1681o, which require your compliance with the law. 
Name : XXXX XXXX XXXX SS : XXXX DOB : XX/XX/XXXX Let me know if you need any additional information to verify my identity and remove this account. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX cell
Product: Credit card or prepaid card

I ordered a product and opted in for biweekly payments to be debited from my cashapp card, the company did not provide the product that I paid for and I would like my 2 payments that was taken off my card returned, I have tried to contact cashapp but there is no proper channel to resolve the issue, the company named XXXX took ( 2 ) {$67.00} payments from my card and they refuse to provide the product or refund my money.
Product: Debt collection

Nationwide Credit is acting illegally and unethically in dealing with a debt. Their license in CA must be pulled for unethical behavior. At issue is the fact that we are trying to do a short sale. CA law forbids contribution to junior lien holders in a short sale. Nationwide, the junior lien holder, is trying to receive a significant contribution which is illegal. To make matters worse Nationwide a division of XXXX very well knows that their parent company 's policy is pay junior lien holders 8 % of their outstanding debt on a short sale. This is the amount being owed to the owner of the debt and their parent company XXXX. XXXX only pays 8 % they can receive 8 % too. What 's good for the goose is good for the gander. Try to illegally play a shell game and move this debt to their Nationwide department does not obsolve them of the requirement of receiving 8 % of their pay off for the short sale only! Nationwide/XXXX must issue an approval letter ASAP to match the amount notated on the first lien approval letter attached.