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

I submitted a letter to Experian and they did not respond within 30 days. I want the item Removed from my credit report for violation no response within 30 days. I have enclosed a copy of the letter that I sent them. I have also enclosed Confirmation of Certified Mailed Delivered to them from XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : EXPERIAN Dispute Letter of XXXX To Whom it May Concern, This letter is a formal notice that Experian has failed to respond to my dispute letter of XXXX. I sent this letter Certified registered mail, Drivers license copy of social security # and have enclosed a copy of the return receipt which they received XXXX XXXX, 2020. 
As you are well aware, federal law Fair Credit Reporting Act, Section 611 ( a ) ( 5 ) requires you to respond within 30 days. It has now been Way over that period since their receipt of my letter. Failure to comply with Federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letter or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included proof a copy of my original request and the dated Certified receipt of your reception of the original letter. 
Conlusion : The following information needs to be deleted from my Experian report as soon as possible for failure to respond within 30 days : CREDITOR AGENCY US BKPT CT CA XXXX XXXX ID # XXXX Please delete this erroneous, unverified item from my credit report as soon as possible. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Giving my personal information out when I asked for my credit to be locked and it's still open as of now
Product: Mortgage

XX/XX/XXXX - Started joint mortgage process - credit reports pulled and pre-approved. XX/XX/XXXX - Received email from mortage loan officer that the co-borrower had a tax lien. I called and emailed the mortgage loan officer with no reply because he was not in the office, however, no out of office reply noted or message left to indicate his absence. I did call the bank to speak with the morgage loan officer 's manager and left message for a call back to discuss the lack of communication, but never received any communication. 
XXXX XXXX - Mortgage Loan officer then opened a single application ( credit reports pulled again ) as he stated he was informed to do by his management, however, when I spoke with the loan processer the loan processer informed me that two loans could not be opened at the same time, therefore, loan processer stated to work on the joint application and requested documentation that payments were being made on the tax lien and were current in which I provided all the documentation. This process dragged on until the end of XXXX when all the documenteds expired and yet another credit report pulled/co-borrower 's credit score did not meet the minimum ( of course not, as the credit report was pulled outside of the 90-120 days ) At this point, I requested to move to the single application that the mortage loan offcer started - yet again another credit report pulled for both the joint application and the single application noting that now " The number of inquires has adversely affected the credit score '' Really, thank you Huntington for all the hard inquires. XXXX, XXXX, and XXXX  have a total of 8 with Huntington contributing 5. 
XX/XX/XXXX - Received email from mortgage loan officer that his manager will be looking at the loan with the manager of underwriting to see what they can do anI will receive some communication on Monday, XX/XX/XXXX, however, I believe this is highly unlikely as I have tried to reach out to the manager directly and left messages to receive a call back and I also noticed today when I logged in to check the single mortgage application that it is listed as " closed ''. All I can say is that this whole process has been nauseating and that Huntington Bank needs to do better.
Product: Money transfer, virtual currency, or money service

on XX/XX/2023 there was a {$90.00} payment sent via PayPal. on XX/XX/2023 the {$90.00} was successfully sent to paypal. a refund was granted via the entity receiving the funds. the refund was issued the same day. my bank received notification of an ACH transfer of {$90.00}, but the payment never processed. my bank clarified that it was just a notification and not an actual payment and advised that i contact paypal. when i called paypal XX/XX/2023, the agent advised me the refund was sent to my bank and would take 3-5 business days to post. this was in direct conflict with what the bank advised me. i was able to once again call PayPal on XX/XX/2023 to obtain the trace number of the ach payment i was advised of by PayPal on XX/XX/2023 to confirm that the payment indeed was sent. i was then advised that PayPaXXXX had not sent my refund and they would not be sending the payment until friday XX/XX/2023 at the earliest and that this was not definitive. the representative stated this was because paypal hadnt yet received the money for the initial payment. i advised that the monies were successfully sent and i advised the rep that i could provide the transaction details if they needed help locating the payment. the rep did not resolve my issue, and began over talking me and taking a sarcastic tone and would tell me how to escalate my issue or how to submit a complete regard paypal and the behavior of the representative from XX/XX/2023. i would like money and i need someone to listen to the call from XX/XX/2023. the call was stomach churning and entirely unprofessional.
Product: Money transfer, virtual currency, or money service

We deposited a check in large amount to Chase Bank of a XXXX company, XXXX, XXXX  on XXXX XXXX. The check was cleared by XXXXXXXX XXXXk and bank confirmed that the check was paid at XXXX on XXXX XXXX. Chase was holding the payment intentionally till XXXX XXXX which is unethical, unprofessional, and unwarranted. I made frequent request but they said it is their policy. We are living in XXXX XXXX. The bank could confirm with another bank in a fraction of minutes whether the check is a Bona fide or not. 

This is really hurting small businesses. We have payments to be made to our vendors. Domestically/Intentionally. Holding payment w/o any reason should not be legal and is not appreciated. 

We had the same exp. with XXXX XXXX earlier of this year. 
I strongly believe the banks have found another way of making money consumers fund by delaying availability of funds. As we all know XXXX XXXX was caught earlier and fined by XXXX Govt. I believe this is their new propaganda. 

Hope you will investigate this and do needful for the benefits of consumers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax Dear CFPB and FTC, I am writing to file a formal complaint against Equifax regarding the inaccurate information presented on my FICO credit report as of XX/XX/year>. It has come to my attention that my rental history is reported incorrectly, which violates the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s2, furnishers of information, such as Equifax, have a duty to provide accurate information. Specifically, under subsection ( a ) ( 1 ) ( A ), a person may not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Additionally, the findings set forth in 15 U.S. Code 1681 emphasize the importance of accuracy and fairness in credit reporting. Inaccurate information can lead to significant consequences for consumers, underminin
g public confidence and impairing the efficiency of the banking system.

I am particularly concerned about the missing rental
payment history that Equifax has shared with Fair Isaac and Company ( FICO ). This discrepancy must be addressed and corrected urgently to reflect my true creditworthiness. 

I appreciate your attention to this matter and look forward to a timely resolution. Please do not hesitate to contact me should you require any further information. 

Thank you for your assistance.
Product: Debt collection

in XX/XX/XXXX i received two notices from Security National Automotive Acceptance Company ( SNAAC ) in regards to consent order XX/XX/XXXX-CFPB-XXXX ( enclosed ). one of them was a notice of a credit in the amount of {$1500.00}, datedXX/XX/XXXX. the other was a notice of refund in the amount of {$350.00}, as well as a check for that amount ( enclosed ). I received notification via email ( enclosed ) stating that the account was paid in full as ofXX/XX/XXXX. upon speaking with a SNAAC representative on XX/XX/XXXX i was told there is no record of my balance being paid off. ( phone record enclosed ) i requested the contact information of the rep to forward the email, and never received. i then again spoke to the rep on XX/XX/XXXX and was told that now they have the settlement information on file, and that they had taken the credit of {$1500.00} and applied it to the balance to close out the settlement. ( phone record enclosed ) However, the consent orderXX/XX/XXXX-CFPB-XXXX was filed onXX/XX/XXXX, 5 days after i was notified my account was paid in full.This withholding is in bad faith under consent order XX/XX/XXXX-CFPB-XXXX  and directly violates this order. upon more investigating i also never received any redress, or notices in regards to, consent orderXX/XX/XXXX-CFPB-XXXX. i have also attached documents taken from my SNAAC online portal referencing that my account still has a remaining balance, as well as a brief payment history, and a lack of any estatments for viewing.
Product: Debt collection

Received a bill from KeyBridge XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX OH XXXX Phone # XXXX Collecting for : XXXX XXXX XXXX XXXX XXXX 
I received a bill from KeyBridge in the amount of {$53.00}. The bill from XXXX XXXX was $ XXXXsomething after insurance and was paid. 
I did email KeyBridge about the error. 
Please let me know I owe anything? Im sure this has been taken care of. 
Thanks! 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of getting a mortgage. 
I disputed the accuracy of a XXXX XXXX account that has been closed since 2016, but Experian was reporting it as open. 
XXXX XXXX has submitted the correct information regarding the date the account was closed, but Experian logged it in as a recently closed account which dropped my score 26 points. This account is not recently closed. It has been closed since 2016. XXXX XXXX provided that information. Now I have to redispute this account and wait another 30 days? I dont have that kind of time. This is Experians error and they need to fix it. I contacted Experian to request a supervisor, its been 3 days and no return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card companies such as XXXX XXXX and XXXX XXXX are reporting accounts to XXXX illegally. These are fraudulent accounts and needs to be blocked by the bureau permanently as I fight to get these off my report. I am a victim of identity theft and the credit card companies are being very hard to deal with. I am the victim here and I am being made to feel as if I do not matter and they can do what they want. I am retaining an attorney to sue them separately. 

In the meantime my credit should not have to suffer as the Credit reporting agencies have the power to delete and block them. I request they do so. Attached is a copy of the police report as well.
Product: Debt collection

Portfolio recovery debt appeared on credit report. Debt result of identity. 
Portfolio denies fraud claim as valid. Portfolio fails to provide all requested original documents outlined by the law in time required to support their denial of claim. Portfolio continues to harass me after cease and desist letter. 
Included is police report of identity theft.
Product: Vehicle loan or lease

My leased car was return to Hyundai in XX/XX/XXXX. 
The Balance on my account as shown in the XX/XX/XXXX Statement was {$0.00}. 

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was reported as late. This is not possible as there was a XXXX balance. Please see the attached report from XXXX XXXX. 

I owed nothing but, I was reported as 30, 60 and 90 days late in payments to the credit bureau. 

I contacted XXXX XXXX XXXX and was told " you have not provided sufficient information for us to begin an investigation ''. 

I provided my XX/XX/XXXX statement and the credit report from XXXX showing a XXXX balance in the XXXX XXXX account, but yet payment for this XXXX balance was reported as late!! 

My credit score prior to this was XXXX, it has dropped over 100 points  through no fault of my own and XXXX XXXX XXXX  is not even researching the problem!!! 

I have never been late for any payment to any creditor in my life and I am annoyed and surprised at how dismissive and unwilling to fix their own mistake XXXX XXXX XXXX is being!
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 Credit Bureaus Experian, XXXX, and XXXX need to be held accountable for the injustices they have burdened me with. My credit report shows an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX... ) That is full of inaccurate information. If they are getting this information from the same data furnisher, then how is it that they all have different information being reported? My credit report has to be 100 % accurate, and 100 % consistent, and 100 % verifiable. 1 ) The account status shows as Indeterminate. This account can either be Open or Closed NOT indeterminate. 2 ) XXXX is reporting a balance of XXXX $ on a closed account that has evidently been purchased by another per the remarks associated with this account. 3 ) If the account has been purchased by another lender, the Original Creditor can no longer report information of this account. 4 ) The date last reported has different information reported between the three Bureaus, XXXX. Yet another inconsistency. 5 ) the XXXX record of payment history is all jacked up, full of unfactual payment history. XX/XX/XXXX XXXX reported that I was 30 days late when Experian shows that I paid on time, while XXXX holds no payment history at all. Again, in XXXX of XXXX XXXX reports me as 30days late when Experian shows I paid on time, no payment reported from XXXX. From XXXX of XXXX to XXXX of XXXX my payment history is reported Inconsistently ( See attachment ). My payments were never late, and the account is closed. These false and inaccurate late payments have tarnished my credit rating. I want this erroneous data deleted from my consumer profile immediately.
Product: Payday loan, title loan, or personal loan

I am a victim of identity theft. I filed a police report. I found out about the XXXX XXXXt account after receiving collection calls. I have emailed and regular mailed a letter and the police to XXXX XXXX numerous times. Every time I call to follow up I speak to the same person. She advises me that there is literally no other person there that can speak with me. She said she does have access to the mail or email and will not give me a time frame for when this account will be closed as fraud. She will not let me speak to anyone else and refuses to give me to upper management or a supervisor. I did not open an account with XXXX XXXX. I did not authorize an account to be opened with XXXX XXXX. I filed identity theft with the police and with the FTC. I want this account removed and closed out so that I am not held liable for something I did not do.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/2022 XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received an email from XXXX XXXX ; XXXX requesting that I settle a debt that I've paid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX The settlement offer that was agreed upon was {$150.00}. 
I received another email requesting money again.
Product: Mortgage

My loan was recently transferred from  XXXX  to Nationstar mortgage. Nationstar provides an option to pay online. The terms on their site say that Nationstar is not responsible for any errors within their site. How is this legal for consumers to make payments from their site, using their tools, and they can not guarantee that their payments will be credited properly, or that their balance information is correct. Nationstar should have some responsibility to ensure that customer information is correct in their systems, or not be allowed to present faulty information.
Product: Debt collection

i found a few unauthorized inquiries that are not connected to any personal business on my credit report i am not doing business with any of these companies on this ftc report. i spoke to the bureaus multiple times they see these inquiries do not belong to any accounts on my report at all and refuse to assist.
Product: Credit reporting

I am disputing the derog reporting on my credit report. I do not have nor did I apply with the creditor.
Product: Credit reporting or other personal consumer reports

Inquiry from XXXX XXXX XXXX on XX/XX/2023. 
I previously disputed this inquiry stating : ''There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.

Okay
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be deleted. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

To whom it may concern, THANK YOU for taking the time to read this. I appreciate you. You're awesome. You're probably the coolest, nicest, hardest working, and best looking representative in your company. SOLUTION : I would like delinquent payment mark removed from my credit report. Please! I don't believe it is accurate. REASON WHY : I spoke to a CHASE representative on the phone because they called asking about my late payment ( it was not delinquent yet at this time ), and I told them the date AND the amount I'd be paying. I asked specifically if this would prevent a delinquent report. They said I would be safe. But shortly after CHASE still reported it as delinquent. Please remove this report. Thank you so much for being so awesome.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened two lines of credit with XXXX  XXXX in 2015 ... those were indeed mine ... A few months later I found out that someone else used my information with a different social security number to open another one. I contacted XXXX XXXX to inform them of this and they refused to remove it from my credit history, instead they added another social security number to my credit report which I have never been associated with!!! I am now being harassed my debt collectors with regard to a card that I never applied for. My information was one of the many that was compromised when these companies were hacked and this needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit reports with regard to my personal information : ADDRESSES that I have never lived at or may belong to a relative : XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX   XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX XXXX XXXX OH, XXXX, XXXX XXXX XXXX