23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I ordered merchandise from XXXX XXXX  on XX/XX/XXXX and never got it. It said it was delivered to an individual with the supplied delivery tracking number. When i looked at the tracking info. it did indeed say it was delivered to the town I lived in. XXXX said i should take it up with the delivery company USPS. I did not get any help with XXXX XXXX  with the research. I then went to American Express to dispute who went by the information supplied to them from XXXX  XXXX  saying it was delivered and Amex said my account will be charged back which it was ( yet the Amex dispute is still open, expected to be settled XX/XX/XXXX ) However, the tracking never showed me vital information, my address, where it was shipping from and how much did the merchandise i purchased weighed. The vendor said they could reship but changed their mind saying it was delivered according to the tracking number info as well. That's when i couldn't get any answers through online and chat online about the tracking information, I decided to go to the post office and see if they could get me the answers and they did. While my address was indeed under the tracking number, it was not my address it was shipped to, the address that was used was on a neighbouring street and the package only weighed XXXX lbs instead of the XXXXlbs it was out of the box. I was scammed by the vendor XXXX XXXX  promoted on their site and the vendor also showed a picture of a packaged that was not at either address and had XXXX packaging tape on it. ( uploaded this picture ) Then weeks later the vendor said its now caught in shipping and i should get it in a couple of days which never happened. Just a total scam that XXXX XXXX  is standing by with just online chat help which i talked to XXXX different people with no correct results. I have Pdf 's of receipts, shipping from USPS intranet of the shipping info., the correct weight of what i ordered from the vendor unboxed. I have been totally scammed and with no help from the vendor, XXXX XXXX  and Amex dispute is ongoing yet from what they sent me they reinstated the charge. Please advise, thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon careful review of my Experian Credit Report I foun d 3 b ankruptcy 's in my file under my name. I have reached out to Experian on numerous occasions and spoken with several representatives from both offshore and in the special handling departments. Experian has failed to VALIDATE these said bankruptcy 's listed in my file. I have made contact with Experian by mailing in certified letters that included a letter from the  Federal Courts in G eorgia stating they DO NOT REPORT ANY INFORMATION TO THE CREDIT AGENCIES. However Experian continues to break the law by reporting inaccurate information in my files.  <P/> Attached you will find my prior compliant to Experian which did not result in any resolution as Experian claimed they were unable to locate my file. You will also find the court document I received after inquiring on their procedures for VALIDATING bankruptcy information.  <P/> Experian has claimed to receive this information from  XXXX   XXXX . I also made contact with  XXXX   XXXX  and received written communication that my file with  XXXX   XXXX  has been suppressed and blocked from anyone attempting to receive third party information since    XXXX   XXXX  . However   Experian has listed on my credit reports that public record information was received on behalf of Vender  XXXX   XXXX , Experian continues to maintain this lie to all consumers. Please see attachment.  <P/> Experian refuses and fails to comply with FCRA and they are storing and reporting information that is inaccurate. This is why I am forced to file a compliant as Experian refuses to listen to the consumer.  <P/> Experian has lied to millions of consumers by stating they have verified public record information with the courts, my attachments from the courts will explain that the courts never communicated with Experian and in fact states that the courts DOES NOT REPORT ANY INFORMATION TO ANY CREDIT REPORTING AGENCY. I am hoping that the CFPB can get involved with this process to help enforce the law and help protect the consumers.  <P/> In addition my file was impacted in a negative manner due to Experian mixing my file with another consumer with the same and similar name. Due to the constant inaccurate reporting I am now filing this compliant.  <P/> Please see all attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX I mailed a certified letter to Trans Union along with my drivers license and advised them to correct my personal information as well as the disputes. The letter arrived on XX/XX/22 by certified mail and when they sent the report back the information that I had requested had not been update. I did not receive the update credit report. I did not receive information on how the their information is validated and with what system. I requested a signed contract of all disputes and I was not provided any information or updates. I am not quite sure of how Trans Union is conducting legal operations because everything this company is doing shows to be illegal.
Product: Credit card or prepaid card

I applied for a CITI mastercard after they bragged about offering a 21 month 0 % interest rate to roll other cards to. I have a XXXX FICO credit score that was just reported to me by a creditor, I have a card I wanted to roll to them with XXXX limit. They did not approve I called their number and it said because I filed bankruptucy, I have an old discharged bankruptucy that is not on my credit report and I have not been turned down for credit by anyone for this reason since it has been discharged for quite a few years now. The old bankruptucy was for medical bills and debts, not my home or car. I have even refinanced my mortgage without problems and leased 3 cars. I was told the bankruptucy was off my record after the discharge, which has been some years removed. I do not think this is fair if Citi Bank was able to get these records and I want to get an attorney. I applied for this card on XX/XX/XXXX and just found out XX/XX/XXXX when I called their XXXX XXXX and entered my SS #. I feel I was treated unfairly, I pay all my bills and have a XXXX FICO score and was just told that by a company this month who said I have excellent credit. I feel very frustrated and do not think CITI has the right to deny me for this old history. I do want to seek legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2021 XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX Made on : XXXX2021 Made with : Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2013 I did open a car loan with XXXX XXXX. The vehicle was totaled and there was a balance. The balance has been satisfied and the creditor is reporting it as a charge off/collection. I need this item removed IMMEDIATELY as it is negatively impacting my credit report and their money has been paid.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX credit card that was used fraudulently for some transactions, i filed a claim and XXXX XXXX agreed that the transactions where fraudulent nonetheless, i paid for these transactions and XXXX XXXX refused to give me credit for these transactions. I am now looking to file a lawsuit against XXXX XXXX for this matter as my card was used without my permission in multiple other states due to this disagreement my XXXX XXXX credit card had minimal credit reversals or charges that where reversed and considered late payments and reported on my credit this is utter nonsense and has brought both emotional and economical distress and damages please help rectify this issue and remove this late payment as it was never late and caused by fraudulent activity on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE CALLED XXXX XXXX AND THE COMPANY XXXX XXXX ABOUT AN INCORRECT LATE PAYMENT. I HAVE NEVER HAD A LATE PAYMENT AND WOULD LIKE FOR IT TO BE CORRECTED ON MY XXXX, XXXX, AND TRANSUNION.I HAVE SENT LETTERS AND MADE PHONE CALLS WITH NO ONE AVAILABLE TO CHANGE THE STATUS!!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX SSN : XXXX | XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but youve admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX. Name of Account : XXXX XXXX XXXX Account Number : XXXX XXXX. Name of Account : XXXX XXXX XXXX Account Number : XXXX XXXX. Name of Account XXXX XXXX XXXX XXXX Account Number : XXXX Thanking you in advance for your anticipated quick co-operation on this matter. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, GA XXXX RE : ACCOUNT NUMBER XXXX, ( ACCOUNT NUMBER XXXX ), ( ACCOUNT NUMBER XXXX ), ( ACCOUNT NUMBER XXXX ) Dear Sir or Madam : I am a victim of identity theft. The item listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. 
XXXX. XXXX XXXX XXXX ACCOUNT NUMBER XXXX ) XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX ) XXXX. XXXX XXXX  ( ACCOUNT NUMBER XXXX ) XXXX. XXXX ( ACCOUNT NUMBER XXXX ) XXXX XXXX ( ACCOUNT NUMBER XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Driver 's License & Utility Bill Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX report.Under loans prequalified for. I chose XXXX  XXXX   loans.When I inquired with XXXX XXXX loan, I told them I don't want any hard pull inquiries on my credit report/trade line for a loan.I received three denial letters from XXXX XXXX/XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Transunion Credit Bureau to complete a verification on the accounts below that are on my credit report. They told me they completed the verification, and everything was accurate, however I completed thorough research myself and found improper inaccuracies on my credit report even after they completed their research. 
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions. 
In the attachments you will see : Dispute Letter sent to Transunion via Certified Mail on XX/XX/2022. 
Copy of the Certified Mail Receipt Credit Report from XX/XX/2022 o The accounts in question and inaccuracies are highlighted Updated Credit Report from XX/XX/2022 o The credit bureau stated my accounts were verified, but the inaccuracies are still present. The accounts in question and inaccuracies are highlighted
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX Balance : {$66.00} XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2500.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, DE XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX 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 or other personal consumer reports

I am writing to urgently request the immediate removal of fraudulent items from my credit report. These fraudulent entries are negatively impacting my credit score and financial standing.

I have discovered the following fraudulent items on my credit report : I did not authorize or engage in any of the activities listed above. These fraudulent items are causing significant distress and damage to my financial reputation.

I request the following actions be taken : Immediate Removal of Fraudulent Items : Conduct an urgent investigation into the fraudulent items listed on my credit report and remove them promptly.

Enhanced Security Measures : Implement additional security measures to prevent further unauthorized access to my credit information and protect against future instances of fraud. 

Communication Enhancement : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the fraudulent items. 

Please acknowledge receipt of this letter and provide an update on the steps being taken to address these fraudulent items. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX my car was repossed by a company named XXXX a company that works with my Loan holder PNC Bank. After calling PNC they said I never made my XX/XX/XXXX payment. I make my payments every month thru mycheckfree app. I told them I was unaware that payment did not go thru. This was the only payment in the 5 yrs of my auto loan that I missed, I told them I never received any phone calls or mail letting me know I still owed this payment. I immediately went to a bank branch and made all necessary payments to bring this loan back to good standing and get my car. When I called back and talked to PNC they told me they would not remove this from my credit report. I told them again this was not right and I was never notified by phone or mail. They were very unhelpful. I would like this taken off my credit report, because I was never notified and this could have been avoided. I feel a better effort could have been made on their end to collect a debt. After being a customer who paid there bills every month for 5 yrs I would expect better treatment and not to have my vehicle taken away like a person who made no payments for months. Side note since that XXXX payment that I missed I made my XXXX and XXXX payment which apparently meant nothing to them as far as maybe this other payment was missed in errror. Thanks PNC for the classy treatment
Product: Credit reporting, credit repair services, or other personal consumer reports

Around 90 days ago my credit score stopped showing suddenly on my.Equifax.com. Once I contacted Equifax they advised me to send in my documents to very my identity. Those documents included my SS card, drivers license, and a letter asking them to update my information. Recently on XX/XX/XXXX I was told by Equifax that they never received my documents. I then resent them and was told they arrived XX/XX/XXXX. They stated my credit score should be showing now but it is not. Ive call a numerous amount of times. Disputes have been filed and completed. Ticket request were requested and stated they were completed. On my end there is still nothing showing. When I apply for credit I am immediately denied due to Equifax. I also tried to purchase a product from them multiple times and it says unable to complete your request. I call customer service and still nothing. I keep receiving an NH code error from Equifax. This issue is now hindering me during covid. I am worried because I can not access my credit score information like every other consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX and XX/XX/2022, In accordance with the fair credit reporting act, this creditor XXXX XXXX has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX whom is reporting inaccurate information of a vehicle repossession. I demanded proof a legal document of the vehicle in question. However according I did never receive no such proof or a response from XXXX XXXX within 15 days of a certified mail I sent to them. This alleged claim and inaccurate information reported on my Experian credit report is considered null and void, and any continued collection activities, or continued reporting of this invalid claim of a car repossession from XXXX XXXX is considered a violation of the FDCPA and FCRA laws.