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

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The failures of conducting proper investigations, failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes outlined in the recent CFPB lawsuit align with my experience with disputing with Experian. Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting an erroneous balance, continuously updating monthly and damaging my credit. 
I settled and paid this debt in XX/XX/2018 for half of the balance, yet they continue to update and report a balance. I have contacted my attorney and and prepared to file legal action.
Product: Credit card or prepaid card

Back on XX/XX/XXXX I went to purchase appliances on Home Depot using my credit card for the amount of {$1200.00}. A month later I decide to cancelled this order an purchase a better quality appliances for higher amount. I was informed by this company that i will received a credit for the {$1200.00}. Later on XX/XX/XXXX I sow a credit for the amount described. Beginning of this year I sow the same amount reflected on my account and a note saying that this promotion will expire on XX/XX/XXXX. Since XXXX of this year I am trying to fix this used also I maked a disputed with Citi Bank witch determinate I did have the credit for {$1200.00} back on XX/XX/XXXX. Obviously this bank never took the moment to review the problem and simple they answer was what Home Depot informed but never give me the credit. Now is even works because this year City Bank and Home Depot as well never apply my payment on my account and they refuse to fix this problem. I do have all the proofs to support and strong evidence they are overcharge my account.
Product: Credit card or prepaid card

In early  XXXX , I believe it was  XXXX   XXXX , ou r Visa ca rd, issued through   PNC Bank, was hacked. There were multiple fraudulent charges within a matter of minutes. PNC did a great job of cancelling that first card and not holding us liable for the charges. They initiated a new card which took about a week to get to us.
My complaint is that even though the card was closed because of Fraud, VISA   still gave out our new card information to  XXXX   XXXX , which wa  s one of the charges reported as fraudulent. When we saw it we immediately called PNC and they told us the only thing we could do was to get yet another new credit card. My biggest fear is that VISA will once again give out our credit card information without our permission.
I am an accountant and an auditor by education and I am floore  d that there is not an internal control that would prevent this type of thing from happening.
Product: Debt collection

COMMONWEALTH FINANCE of XXXX XXXX XXXX in XXXX, PA XXXX called me attempting to collect an alleged debt of {$660.00}. I spoke with a woman on XX/XX/2019 at number XXXX at XXXX XXXX approximately. The woman would not tell me what the debt was related to and demanded my social security number which I was not comfortable providing. I told this woman by phone that I would be sending the company a cease & desist letter and that they were to remove all negative reporting as they are not my original creditor and I do not wish to work with them. I sent this company a Cease & Desist letter that I had notarized immediately. I did make a copy of my notarized cease and desist letter should I need to provide proof. I am enlisting the CFPB to help ensure this company respects and acknowledges my cease and desist request and that they terminate all collection efforts. Most importantly that this company REMOVE ALL NEGATIVE reporting to XXXX, XXXX, and XXXX A/S/A/P as they are damaging my credit.
Product: Debt collection

Penn Credit Corporation bought my old debt and has reported it to XXXX XXXXXXXX XXXXXXXX as a new insurance cancellation. I received a sanction from XXXX XXXXXXXX  XXXX and upon further investigation ( XXXX XXXX XXXX and XXXX XXXX XXXX ) this is a resolved account from XXXX. As per the sanction, the insurance cancellation is from XXXX. I've contacted the XXXX and was told this should not come back as a new " cancellation '' since I've already submitted the necessary affidavits in XXXX. 

This should be considered fraud and an illegal business and debt collection practice.
Product: Credit reporting or other personal consumer reports

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

This was clearly a billing error made 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 XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have never had an account with XXXX XXXX nor have I signed a contract or accepted anything from this company. If this company or the Bureaus refuse to delete this account I will enforce my right to sue under all avenues. I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so XXXX XXXX XXXX XXXX XXXX  and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report. I'm entitled to validation of this account and not the E-Oscar verification that you're doing to make money from this account and your refusal to delete. I'm entitled to a contract which is something the courts will ask for when I take this case before this upon the refusal to delete this account which doesn't belong to m.e.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX  Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 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 consists XXXX XXXX XXXX with a balance of {$9000.00}, XXXXXXXX XXXX XXXX with a balance of {$6600.00}, XXXX XXXX XXXX XXXX with a balance of {$640.00}, XXXX with a balance of {$1000.00} & {$530.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 from FTC report 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX and XXXX of XXXX, Equifax suffered a data breach, due directly to their lack of digital security. A simple and easily available penetration test series by a professional organization would have found and prevented the data loss. This information is IMMUTABLE. IT CAN NOT CHANGE. So, I am left with a problem that will be MY problem for the rest of my life, thanks entirely to poor security practices. As someone that works in XXXX, in XXXX, protecting your and their XXXX data, it galls me to think that a company that I did n't have a choice with maintaining a file with, has damaged my life like this. 

DO SOMETHING.. XXXX.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under XXXX XXXX XXXX XXXX liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX Date reported : XX/XX/XXXX In Accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to file once again a complaint on Experian for miss use of my credit file I just got an email alert not 10 min ago about someone at Experian had open up a dispute on my XXXX XXXX account. Never have I asked Experian to investigate the XXXX XXXX account and Not sure who would be dealing with an account that I didnt dispute??? This has really got me Puzzled why are you tampering a trade line that I didnt dispute? Please EXPLAIN CFPB could you please look into this matter as well. I have already contacted the MINNESOTA AGS OFFICE AS WELL! 
Experian Get it together Pease! And do your Job!! For the accounts that you are Disputing for the opening Disputes I will exercise my right Under the FCRA 611 ( A ) ( 7 ) for your description of procedure used by your agencies. Providing all Information to be more specific based on the FCRA 611 ( A ) ( 2 ) ( B ) I DONT BELIEVE THAT YOU ARE DOING FULL INVESTIGATION LIKE YOU SHOULD. Please Remove XXXX XXXX from this dispute list AND REPORT IT AS NOTHING WRONG EXPERIAN IF YOU ARE UNABLE TO SEND ME WHAT Im asking for Please DELETE THE ACCOUNTS THAT ARE IN DISPUTE THEY ARE CALLED UNVERIFED ACCOUNTS IF YOU CAN NOT VERIFY ANY ACCOUNTS PER FCRA THEY MUST BE DELETED. Here is a list that I supplied to you I WANT full Proof from what you sent to the creditors what they sent back to you who you spoke even down to employee ID NUMBER TO SHOW THAT YOU ARE DOING YOUR JOB CORRRECTLY. Experian I will tell you right now Im not going any Place until you show me your Full investigation of every dispute that you claimed to have disputed. As for the Other 3 accounts I suggest that you delete those ASAP because I have proof that you DID NOT INVESTIGATE SOME ONE AT YOUR LOCATION CHANGED THOSE ACCOUNTS NOW I WANT THE PROOF I SENT IN A TON OF FACIAL INFORMATION BUT YET YOU STILL VIOLATE MY RIGHT NOW THE TABLE ARE TURN I NEED FACTUAL INFORMATION FROM YOU! Lets play this and lets do this the party has just begun also if you dont play fair I will EXECUTE A LAWSUIT also show me what dispute letter That I sent in asking you to even touch my XXXX XXXX account. Get your XXXX together!
Product: Credit reporting or other personal consumer reports

I haven't done anything but enroll in the XXXX XXXX for credit monitoring like suggested on the paper sent to me on XX/XX/2023.
Product: Credit card or prepaid card

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DE XXXX RE : XXXX XXXX Dear XXXX XXXX XXXX, & XXXX XXXX, I hope you're having a great day. My name is XXXX XXXX, and Ive been a customer of Continental Finance since XXXX. Ive enjoyed doing business with your company, and have had many positive experiences over this time period. 
XXXX writing because when I checked my credit report, I noticed it contains a 30-day late payment posted in XX/XX/XXXX. My credit score has plummeted from a high of XXXX as of XX/XX/XXXX down to it's current low of XXXX as of XX/XX/XXXX. 

I dont want to dispute the accuracy of this report, but I do want to explain this one-time lapse on my part. I recently switched to online billing, and this caused me to accidentally overlook my bill and miss making the payment that was due on XX/XX/XXXX. I recently have been dealing with a Covid-19 financial hardship of having our families personal home sued for Foreclosure by our current lender. 

Recognizing the life-altering power of credit information and the impacts it can have on the less vulnerable. The FCRA and several federally backed agencies are asking credit card companies to work with individuals seeking a one time late payment exceptions for a cardholder that's been financially impacted by the corona virus. 

I was facing the prospect of missing payments as a consequence of income loss during this pandemic. I have since regained my financial footing. I was hoping there would be a good chance Continental Finance is prepared to work with me and remove this one time 30 day late payment. 


Warm Regards, XXXX XXXX # XXXX XXXX # XXXX SS # XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit card or prepaid card

This is regarding the same credit card that I filed a complaint on XXXX with Comenity Bank credit card. On Friday XXXX I went to use the credit card for the first time at XXXXXXXX XXXX  XXXX gas station. After inserting the card for payment, the screen on the pump read card reader is inactive and pump is out of order. I requested a station attendant thinking the pump reader was the issue. The attendant looked at the screen and then asked me " do you have a XXXX XXXX XXXX '' as I replied yes, she informed me that the card will not work at their pumps and " no one has that are using the same issued card by that bank ''. I by using Comenity cc shut down their pump and XXXX it and not the first customer but several customers to do just that according to the attendant. She reset the pump which took about 15min to complete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my free annual credit report from all 3 agencies on the same date XX/XX/2019. XXXX and XXXX provided me copies of my report but not Equifax. This issue happened last year as well with Equifax. Equifax never responded to my queries or provided a free copy of my annual credit report until I filed a complaint with the consumer protection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5000.00}, XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Also, Please remove this account- XXXX  XXXX XXXX Date opened : XX/XX/XXXX Balance : {$410.00} from my file. The bank made an error with my statements & the bank agreed to remove it. Please remove ASAP.
Product: Debt collection

I REQUESTED FULL ACCOUNTING OF THE ACCOUNT USING GAAP, TO SEE ALL THE INCOMING AND OUTGOING AMOUNTS OF THE ACCOUNT AS THE BENEFICIAL OWNER OF THE ACCOUNT. THE COMPANY HAS BEEN ILLEGALLY TRADING MY ACCOUNT AND THE RECEIVABLES. I SENT THE COMPANY PAYMENT OF XXXX BY MAIL AS REQUESTED [EVEN THOUGH I SENT THEM A LEGAL DOCUMENT RESCINDING THE SECURITY INTEREST OF THE ACCOUNT, POWER OF ATTORNEY, RIGHT TO REPOSESSION, RIGHT TO TRACK THE VEHICLE BY GPS AND RIGHT TO ANY AND ALL INSURANCE PAYMENTS AT 100%] WHICH WAS SENT CERTIFIED MAIL USING USPS XXXX XXXX XXXX. THE MAIL SHOWS RECEIVED BUT THE PAYMENT WASN'T CREDITED TO THE ACCOUNT AFTER THEY RECEIVED THE CHECK. ADDITIONALLY, THE ORIGINAL REQUEST TO ENTER THE ACCOUNT INTO A BILLING ERROR WAS DISREGARDED THOUGH THE DOCUMENT WAS NOTARIZED MAKING IT A LEGAL DOCUMENT SAME AS THE RESCISSION STATEMENT. ALLY FINANCIAL HASN'T HONORED ANY DOCUMENTATION SENT TO THEM BY REGISTERED MAIL OR CERTIFIED MAIL. ALLY FINANCIAL ALSO JUST REPORTED ON MY CONSUMER REPORT DEROGATORY FOR THE MONTH WHICH DROPPED MY SCORE XXXX POINTS WHICH UNDER 15 USC 1666 CLEARLY STATES NO ADVERSE ACTIONS AGAINST ME ARE PERMITTED ONCE THEY'RE NOTIFIED BY MAIL SEE SUBSECTION (e) THEY'VE AGREED TO FORFEIT THE ENTIRE AMOUNT OF THE LOAN AND ACCEPT NO MORE THAN THE AMOUNT ALLOWED BY THEIR ACTIONS.
Product: Student loan

I have been scammed by a company called " The Student Loan Help Center '', based in Florida. This company offered to consolidate my federal student loans for a {$990.00} fee, promising that I would be eligible for loan forgiveness after consolidation through a program implemented by the Obama administration. Unfortunately, I was unaware that federal student loan consolidation i s FREE. This was the second company that offered me the same solution, so I thought it had to be  legitimate. The other company offering a similar scam is called "  XXXX   XXXX    XXXX   '', based in California. Unfortunately, I gave " The Student Loan Help Center '' {$160.00} to consolidate my student loans. When I found out it was a scam, I cancelled my loan consolidation and credit card so they can not take any more money from me. But so far, I am unable to get a refund. Every time I call I get held for hours or transferred to a voicemail. These companies need to be stopped! They are preying on burdened graduates who struggle to pay their student loans.
Product: Credit card

I am very annoyed with Capital One. I call and no one really helps. I even called their corporate office and no call backs at all. I would like to report a rebill. They rebilled me when I was in XXXX, for six months, the rebill was for XXXX. Not only could the girl not tell me what it was for, she would not help me either. She said they mailed me in the USA a note for me to fill out. How am I suppose to fill that out in XXXX???? She could not and would not help me. This is XXXX a waste of time.