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

I am writing to lodge an urgent and forceful complaint against XXXX, Experian, and XXXX regarding their persistent failure to remove an inaccurate bankruptcy entry from my credit reports ; Account number XXXX. Despite my numerous efforts to provide ample and irrefutable evidence proving the error, these credit bureaus have unacceptably continued to display this erroneous information. 

This process began in XXXX of 2023, yes a full year and they have not resolved it, where I disputed with the court ( attached ). The court states that it doe snot supply information to the Bureaus. I submitted Disputed to XXXX, Experian, and XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to no avail. When they finally sent information back, they stated that it is verified by a 3rd party called XXXX XXXX. So I submitted a dispute to XXXX XXXX in XXXX. XXXX XXXX said I was correct about the inaccurate bankruptcy and removed it from their files ( attached documentation ). I submitted another Dispute to the bureaus in XXXX with the letters sent by XXXX XXXX and XXXX XXXX said it was verified, which is impossible. XXXX and Experian did not even respond ( illegals ) Here is a summary of the egregious missteps by the credit bureaus : Failure to Correct Errors : Despite providing all necessary evidence, each bureau has inexplicably failed to correct the inaccuracy. Their responses have been dismissive and inadequate, lacking any substantive action to rectify the mistake. 

Negligent Handling of Disputes : The process followed by the credit bureaus in handling my dispute has been grossly inefficient and unprofessional. Their failure to resolve the dispute in a timely manner reflects a troubling disregard for consumer rights. 

Impact on Creditworthiness : The erroneous bankruptcy record is significantly damaging my creditworthiness and, consequently, my financial stability. This ongoing issue has led to undue stress and has negatively impacted my ability to secure credit.

I demand immediate action to rectify this situation. Specifically, I require : Prompt Removal : Immediate removal of the inaccurate bankruptcy entry from all three credit reports. 

Written Confirmation : Written confirmation from each credit bureau acknowledging the removal and detailing the corrective actions taken. 

Investigation and Accountability : A thorough investigation into the handling of my dispute, including a detailed explanation of why my evidence was ignored and what measures will be implemented to prevent such issues in the future. 

If these demands are not met within 15 days from the date of this letter, I will be compelled to escalate this matter further, including but not limited to seeking legal redress and filing formal complaints with additional regulatory bodies. 

The lack of action and accountability from XXXX, Experian, and XXXX is unacceptable and reflects a serious breach of my consumer rights. I trust that the CFPB will act swiftly to ensure that this matter is resolved with the seriousness it warrants.
Product: Debt collection

I received a collection letter by USPS from Sunrise Credit Services for {$220.00} referencing XXXX XXXX XXXX XXXX, claiming a balance past due. I have not contacted Sunrise Credit Services. I closed the referenced account 1 year ago.
Product: Checking or savings account

This complaint is about XXXX, formerly known as Transferwise. 

On XX/XX/2021, I took a XXXX car service from XXXX XXXX airport. As this is a car service ordered through an app, the price is already set when you request the ride. When I accepted the ride, the price showed XXXX. However, I was subsequently charged XXXX. When I contacted XXXX regarding this, they claimed the driver manually added an additional short-term parking fee as well as a longer ride fee. When I explained to XXXX that the driver did NOT have to pay the fee, citing that there was no wait time and XXXX  has a specific area for ride service pick-up and no fee is charged to the drivers, XXXX  ignored this information and refused to credit the difference. Additionally, the driver intentionally took a longer route through central XXXX while he spoke on his handheld device and frequently stopped. A ride that should have taken approximately 1 hour took 1 hour and 52 minutes. 

XXXX  still refused to refund the difference of what was overcharged, so I then contacted XXXX  about the issue. It has now been two weeks and after first claiming that the would submit a chargeback, XXXX  is now refusing to dispute the transaction, despite me explaining that at no point in the XXXX app does the word " estimate '' come up, nor did it state that I would be charged additional fees for airport pick-up when I ordered the service. I do not believe that XXXX  is following US banking regulations in refusing to submit the dispute.
Product: Credit card or prepaid card

I applied for the Citi Double Cash Credit card online ( 2 % cash back ) around XX/XX/2018. After 2 days I called Citi to inquire about the application. I was told my credit is not a concern but they need to process me through their security. 
I was told they will get in touch in me. On XX/XX/2018 I got a notice of an incomplete application. There were no specifics only a number I should call. So I called Citi. I was put through the security department. I inquired why have you stopped reviewing my application what information did they need from me? The agent asked me what number can I be reached at. I told him the one I am calling from and that this is my cell phone and only number. The agent then asked me is there no other number that I can be reached. I said no and he agreed to call me back in 5 minutes on my cellphone so that he can verify I am who I say I am. Agent did not call back. I called that department again three times during that week and I was given the run around and eventually I was told my application has been declined and that a written notice to explain why had been sent out. On XX/XX/2018 I got the notice of a declined application where they said we couldnt verify the accuracy of the information you provided. I am writing this complaint because Citi handled this item very poorly and unprofessionally. I made myself available and I called the number as asked. The agent did not do anything to try verify the so called information they needed. Citi ran my credit and impact my credit score and they should be held accountable.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2022 I used my XXXX XXXX card for dine-in at XXXX XXXX XXXX XXXX XXXX, WA. Square Inc is the payment processor for XXXX XXXX XXXX. As the payment processor, Square Inc is responsible for computing the sales tax rate on the point of sale ( POS ) system. Without prior notification, XXXX XXXX XXXX added a {$0.00} " Retail Service Tax '' when paying. This is in addition to the expected sales tax. I found out about the additional charge after swiping my card. There is no such tax called " Retail Service Tax '' in Washington State. The restaurant employees were not sure why this fee was added. There is also no posted notice of the fee. The restaurant was unwilling and unable to provide a refund, since they blamed it on Square Inc .
Product: Mortgage

This complaint is not about a specific loan but about the advertising that continues to come to my home and my Veteran friends and clients. I am a XXXX XXXX and I have to continually explain to my Veteran Friends what these flyers are advertising. The particular flyer received in the mail advertises 2.75 % FIXED in bold print. Absolutely no where on the page does it tell me what kind of VA loan it is. It certainly makes me think that it is a 30 yr fixed and it nowhere mentions an arm. It also states that I can get " Cash Out for Any Reason '' and that " No Employment Necessary. '' This particular flyer came from : Stonebridge Lending Inc. NMLS # XXXX, CA Bureau of Real Estate # XXXX. I know you have greater things to deal with, but I get this kind of thing in the mail all the time. All of my friends who are Vets get this kind of mail. Is there anything that can be done to hold these companies accountable for deceptive advertising just to get someone to call?
Product: Debt collection

I see this COLLECTION on my credit ..i contact the credit and sumit a claim .XXXX XXXX delete but XXXXand XXXX not..i told before i have the same problem and i was in court they dischard and delete..because is fraud identy theft..
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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: Credit reporting, credit repair services, or other personal consumer reports

i check my credit report and notice incomplete and inaccurate information from the 3 CRA XXXX TRANSUNION, XXXX AND XXXX XXXX, so i sent letters to XXXX  on XX/XX/2021, Transunion on XX/XX/2021, and XXXX  onXX/XX/2021 disputing the inaccurate and incomplete information that is on my credit report.as of XX/XX/2021, i have not received anything from the CRA 's concerning this information. I also attached copies below of the letters submitted.
Product: Mortgage

I have spoken with the representative for guaranteed rate with no positive results. this company was very negligent and handling my loan process which called me to lose XXXX and to lose the home that I was trying to purchase. they would wait until the day of clothes or one day before close and continue to ask for a documentation that I sent in to them every single time. They would wait 3 to 4 days after sending information in and I would not hear not one single thing from them until the day of close. There was no way I could close on a house being contacted by the mortgage company the very same day asking for more information. They continued this same procedure 3 weeks straight and the seller canceled the contract and I was not able to buy the house because of them not handling my case properly. They would not terminate the loan because the money was apparent but they held the loan over the time period that it should have been held and the seller wanted out. We would call them on a Monday to ask do you need anything additional because we're trying to close on this house by Friday. they would contact us either Friday morning or Thursday evening asking can you send other information in. Doing things in that matter we will never able to close because they kept making up different documents that they said they needed. Guaranteed rate cost me {$5700.00} I lost in earnest money appraisal money and inspection money and most of all I lost my dream house. And they have shown no remorse or no sympathy towards me and my wife losing this house which was their fault. I would like to be refunded my money lost and we are staying in a hotel right now because our lease was up on the house that we were living in. All of this is their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXDisputed account but didnt remove for XXXX Bridgecrest-Disputed account but didnt remove for XXXX XXXX-disputed but didntb remove for XXXX XXXX-Disputed but didnt remove for XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to pursuant to FCRA 605B ( 15USC 1681c-2 ) that you the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at : XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX XXXX  on XX/XX/XXXX with account number XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX with account number XXXX XXXX on on XX/XX/XXXX XXXX account number XXXX XXXX XXXX XXXX on XX/XX/XXXX with account numbeXXXX XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX on XX/XX/XXXX with account number XXXX XXXX XXXX  on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with account number XXXX and these accounts have been placed in collections. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, I do not recognize the aforementioned accounts, collections and hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my credit report were NOT opened, made or initiated by me. All of these accounts, collections, and hard inquiries are a result of identity theft and fraud, I have attached a copy of the 3 FTC Identity Theft Criminal Complaint numbers ( XXXX ) ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are a result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) I request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that the XXXX credit reporting agency block all of the accounts, collections and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me vial email to XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Consumer Complaint Against CFPB, EXPERIAN, EQUIFAX, TRANSUNION FCRA & FDCPA Violations Details of Complaint : I am filing this formal complaint due to the failure of EXPERIAN, EQUIFAX, TRANSUNION to correct serious inaccuracies on my credit report, despite multiple disputes via certified mail. The disputed accounts and details are not verifiable and continue to cause harm to my creditworthiness.

Violations include : 1. Failure to Conduct a Proper Investigation : The CRA has refused to provide tangible proof of verification and continues to update the inaccurate account as " verified. '' 2. Reporting False Information : The creditor is reporting an erroneous balance/charge-off and late payments despite proof of settlement/discharge. XXXX XXXX is fully aware of this willfull inaccuracies being reported XXXX. Merging Multiple Files : My credit report contains incorrect SSNs, merged profiles, and outdated personal information, creating a security risk. AS NOTED # XXXX is inaccurate and every single accounts attached are to be immediately removed permanently without reinsertion. 



I have exhausted administrative remedies and demand immediate enforcement action under the CFPBs regulatory authority. If this is not resolved, I will escalate through litigation and seek damages under the Fair Credit Reporting Act for all parties involved.
Product: Credit card or prepaid card

I was notified by First Bankcard that my account was closed due to delinquency reports on my credit report. This report was an incorrect report that has since been corrected. See attached letter to confirm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has 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 an account without my written instructions.
Product: Debt collection

I have disputed this debt with collection company as well as spoke with original creditor this is a fraudulent debt ive never taken any classes with this company and they show that someone signed up online with my info but never took a class with them in there own words anyone can use your info to sign up butno services were ever provided by the school and no clases were ever taken by anyone
Product: Vehicle loan or lease

We have a prominent national vehicle financing co. ( Hyundai Finance ), who calls us repeatedly over and over and over and over again, multiple times per day, and when we answer the phone nobody speaks or talks. They also call from phone numbers which often have no way to call them back on that same number. 

When we answer, and if they do finally speak to us, they just keep asking for our name over and over again without telling us what the reason for the call or identifying themselves. When we finally get someone on the phone, they threaten to repose our vehicle, although we are only 1-2 months behind a payment. 

We find this level of harassment and threats unnecessary, very rude and mean spirited. Do these companies not have any responsibility or consequences for this type of belligerence to their customers? 

Consumers, XXXX and XXXX
Product: Checking or savings account

Business checking account with Capital One was closed in person at the branch 3 times and automatically reopened by Capital One due to vendor refunds. 
* Account closed in person XX/XX/2022. XXXX remaining amount of {$140.00}. 
*Account reopened by Capital One XX/XX/2022 due to XXXX refund to account in the amount of {$69.00}. No notification sent regarding reopening of account. A maintenance charge of {$15.00} incurred XX/XX/2022. 
* Account closed again in person on XX/XX/2022. Withdrew {$54.00} from account after {$15.00} maintenance fee deducted. 
*Letter received dated XXXX XXXX, 2022 from Capital One stating account has been closed. 
XXXX XXXX Capital One reopened account again for a XXXX cent vendor refund. Again no notification sent after 3 1/2 months of account being closed that the account was reopened. 
*XXXX XXXX XXXX closed Capital One account again in person. Received XXXX cents.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Consumer Name : ( XXXX Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( XXXX account # XXXX opened XX/XX/XXXX ) ( XXXX XXXX Account # XXXX opened XX/XX/XXXX ) ( XXXX XXXX Account # XXXX opened XX/XX/XXXX ) ( XXXX XXXXXXXX BANK XXXX opened XX/XX/XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud .These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email that I can no longer use PayPal because I was inconsistent with the User Agreement. They did not specify what I did wrong nor give me any valid reasons or solutions. I have a balance of {$1200.00} that they will not release for another 180 days. I can not afford to wait that long to retrieve my funds. This is not fair to hold MY money.