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

Experian has not responded to my dispute. Instead it updates the entry with no changes. When i open a new dispute with proof it then forcefully closed the complaint stating it was duplicate complaint. Experian refuses to correct the documented entry on Experian Credit Bureau. I have made multiple attempts with various causes to justify my dispute, all have been ignored. The dispute regards to a documented late payment posted on XX/XX/XXXX, by XXXX XXXX XXXX  revolving account. The account number is displayed as XXXX. Prior to the most recent complaint Experian lied about concluding my dispute. I have attached an image showing Invalid data that was clearly an error that was not verified or corrected.

( 1 ) Under 15 U.S.C 1681 Section 602 A. It State I have the right to privacy. ( 2 ) 15 U.S. Code Section 1666b. a creator may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 
XX/XX/XXXX I called Experian and opened a new dispute. Which shows XXXX XXXX violated my rights under the CARES Act which was activated in XXXX due to the National Disaster, COVID Pandemic. In which is still current. Federal Law Prohibits Negative Credit Reporting. The CARES Act, which was signed into law on XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) My account received accommodations which included waived late fees and placing my account into financial hardship programs due to temporary loss of income. My account was paid and placed in a current status and has been. However, the entry was never updated to reflect current. Hence, late payments reported is not complying with CARES Act and the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from credit karma, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence usedin Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My submission is to urgently request your assistance regarding a 30 day late reporting credit entry that has recently appeared on my credit report by XXXX XXXX XXXX. This matter is of critical importance, as it has the potential to disrupt the business credit lines I rely on to rebuild and recover from the devastating fires in XXXX XXXX. 
In XXXX, as the fires were ravaging the XXXX XXXX area, where I live and work, I reached out to a XXXX  representative via phone and written correspondence to explain the fire situation happening in XXXX XXXX and the evacuation notices : both my home and business were significantly impacted by the recent fires. At that time, I was assured that my account would not be reported as late due to the disaster, and I was granted additional time to manage my payments. Following this communication, I did not receive any further calls or notifications from XXXX regarding my account status or any potential delinquency so I would not have suspected my account to be heading into delinquency. It was recently discovered that XXXXXXXX XXXX internal system did not match the phone number that reflected under my profile information which explained the issue with no phone calls. On XX/XX/year>, I received a credit monitoring alert notifying me of a XXXX point drop in my credit score. I immediately submitted full payment for all amounts due through XX/XX/year> and frantically made calls to XXXX to find out how this happened. Despite the daily efforts regarding this urgent matter, the late reporting remains on my credit report, which could severely jeopardize my ability to access the credit necessary to restore my business operations and continue my recovery efforts after the XXXX  fires. 
I kindly and urgently request your assistance in having this late reporting removed from my credit report as soon as possible. Your prompt attention to this matter is crucial, as it directly impacts my ability to rebuild my business and move forward from this challenging period. Thank you for your assistance.
Product: Credit card

I purchased a bedroom set from XXXXXXXX XXXX XXXXXXXX 's XXXX XX/XX/year>. Between XXXX and XX/XX/year> when examining the furniture I discovered cracks in the headboard on both sides and on the side of the mirror in the wood was cracks and discoloration on the headboard and footboard and the dresser has scratches also. I called the store and sent pictures to the manager of the store and he said at that time to call the home office which I did and they told me I had to deal directly with the manager. At that time I visited the store and took pictures and the manager said for me to pick out another bed room set at that time, I did. But then when I went back a week later, the manager stated he checked with his regional manager and was told his hands were tied, he could not do anything about it and could not change it and didn't have another bed set and didn't have anyone to take the bedroom furniture down and he wanted me to take it down and bring it back to the store and I refused to do it. It was not my responsibility. I am a XXXX XXXX XXXX and did not have the help or finances to move the furniture. I called the insurance because this furniture is still under warranty and they will not honor the warranty and I called the home office, and all the stores that were located in XXXX  and XXXX  and no one would do anything about this furniture. I purchased before XXXX sold the company to XXXX, after I purchased the furniture I learned they sold it to XXXX and XXXX filed bankruptcy, so I still have the furniture and I am not paying this bill for damaged furniture and now this is on my credit which I hope this can be removed from my credit. I did pay {$500.00} on the account already. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been doing disputes and the personal information on my report is in accurate I never lived in Arizona in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit and noticed a lot of stuff on there that wasn't mine and I didn't recognize. I really need to get these items off. They are messing up my credit and my life.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX has contacted me regarding an alleged debt. I sent a cease and desist letter, and an .Affidavit of Truth. I sent an second cease and desist advising XXXX XXXX XXXX XXXX of violating my rights as a consumer under 15 USC 1692 g,
Product: Credit reporting or other personal consumer reports

I received the card in the mail. I never opened an account, never used the card that was mailed to me, and destroyed the card that was mailed to me. I can't even access through their website, as I never set up an account. I never received any statement showing why they are charging me for something I did not ask for and did not use. I only noticed it when it showed up on my credit report. Now they just continue to report me delinquent, adding more costs onto the balance without any explanation. XXXX simply reported my dispute as : " Remains - The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So, if a company tells XXXX their information is accurate, even when they are knowingly lying, there is no recourse? If they insist I owe them, why don't they send me a statement, showing where these charges were incurred? I have never used this account, and it needs to be closed and removed from my credit report.
Product: Checking or savings account

I was using USAA and they ban me from using their services because of fraud. It has been over 10 years since then and would like to use them again.
Product: Consumer Loan

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Product: Mortgage

Freedom mortgage is claiming there is a shortage in the amount needed for my escrow and claim that it is due to a random " estimation '' with no proof to back it up. They are forcing me to pay an extra {$300.00} immediately, plus {$5.00} increase in my escrow per month. 

Looking up reviews on the company, Freedom Mortgage frequently does this scam and frequently claims the escrow account is " empty '' even after paying into the escrow and the company has not paid anything out of it.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXXXXXX 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 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 in those accounts to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Debt collection

I have reside in XXXX XXXX for 26 years I was evicted XX/XX/2016 and left an rental balance of {$700.00} a few days later after the eviction i received an notice stating the balance was {$7900.00} stating that i destroyed that apartment in XXXX. XXXX XXXX XXXX I have live in that particular apartment for 10 years with no repairs I've talked to the manager XXXX XXXX XXXX on several occasions trying to get this issue resolved she have stated that there were a video and pictures of damages from that unit and she have not produce and evidence stating the damages happened. After a year still trying to get this resolved she stop taking my calls I reached out to XXXX XXXX corporate office XXXX XXXX XXXX XXXX she stated that the account went to XXXX Law Firm Debt Collector XXXXNational Credit Systems XXXX this account has been bounce around to several debt collectors I've disputed this debt several times and it has come back to me as my debt is continue to show current all i owe is the balance due of the rent {$700.00} the other debt is not mine I've asked for a copy of the video and pictures which XXXX XXXX the manager of XXXX XXXX  can provide to me. This debt has cause me to not qualify to buy a house and also i can not rent an apartment. I would like this debt to be cleared from my credit report and
Product: Money transfer, virtual currency, or money service

With CashApp I was charged {$10.00} for a charge I did not authorize on XXXX, XXXX XXXX  in XXXX, XXXX contacted CashApp to resolve the issue, spoke with them by phone and corresponded by email. They determined there was no fraud and did not provide adequate evidence supporting their claim. Th {$10.00} is not the issue it is the issue of my financial security.
Product: Credit reporting or other personal consumer reports

I am writing to complain to PNC BANK about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2019, Discover Card reported that I was late on my credit bureau, when speaking to a representative, they saw where it was incorrectly reported and offered my late fees back, but said because they reported it already to the bureaus, there wasn't anything that could be done about it, as of today, my credit report reflects late payments in XXXX and XXXX of 2019
Product: Payday loan, title loan, or personal loan

I was attempting to obtain a HELOC or simple home equity loan after being persistently solicited by my two current mortgage companies, but was frustrated by their attempts to push me into a cash out refinance, instead. Frustrated by what appeared to be a bait and switch scam on the part of XXXX XXXX and XXXX I went on XXXX XXXX on XX/XX/XXXX and submitted a request for a home equity loan. I was immediately contacted via phone by a loan officer from loanDepot who seemed to understand my needs and the fact that I had no desire whatsoever for a cash out refinance. I informed him of my current income and provided substantiating documents. At no point was I asked permission to perform a hard pull of my credit file as he informed me they were such a large bank he could do a soft pull without impacting my credit score. I was unable to view a couple of emails he had sent inviting me to establish a web account, but was able to set up an account on my own at a later time. It requested some additional documents, which I provided. A week or so went by and I began to receive texts and calls from other lending officers from loanDepot with the theme of " we're sorry we couldn't earn your business, but perhaps we can interest you in a cash out refinance. '' I explained to them that I was unaware of any issues with my application and concerned that they were engaging in bait and switch. I logged onto the site a short time later and found a notice stating they could not extend a HELOC to me at this time, but suggested I consider some of the other financial products they offer. It also said I could review the related documents, but the tab took me to a blank screen. I noticed my credit score had dropped and both a soft and unauthorized hard pull of my file had been performed by loanDepot. I addressed this with XXXX XXXX, the initiating loan officer and he denied performing the hard pull. He had also claimed to his supervisor that he had informed me of his decision on my application and reasoning, which never occurred. This was relayed to me by a XXXX XXXX XXXX who also passed along that the reason was due to my debt to income ratio. 
I have a net income of {$77000.00} from retirement and XXXX with additional rental income that could not be considered for the loan. I have over {$300000.00} in equity in the subject property with a current mortgage balance of {$130000.00}. I was seeking a loan of {$130000.00} to consolidate some debt and to reinstate a mortgage that XXXX XXXX fumbled the transfer of servicing to XXXX XXXX XXXX XXXX while I was XXXX. That mortgage underwent an illegitimate if not illegal foreclosure after public gatherings were discontinued during the spread of COVID-19, but my lawyer has negotiated a reinstatement of the mortgage. 
I believe my interaction with loanDepot is a case of bait and switch and would appreciate any assistance you can provide in helping me obtain the HELOC that was initially offered to me and that I am more than capable of repaying in a timely if not very short term fashion.
Product: Money transfer, virtual currency, or money service

My brother passed away on Friday, XX/XX/XXXX. The day of his funeral, Thursday, XX/XX/XXXX, I was trying to arrange with movers to take my brother 's belongings from a XXXX XXXX facility to our home in Florida. The movers wanted a deposit to be paid through XXXX rather than check or credit card which I felt was fine. 

My husband and I have joint accounts with SunTrust, now Truist, and I handle all the banking ; my husband doesn't do any of it. 

We have used XXXX before and I was trying to pay the movers through XXXX and had a problem with the transaction. When I called SunTrust, the representative asked if my husband was available because I needed my husband 's " permission '' to make this important transaction as his name was first on the account. 

I told the rep that my husband was not there, which he wasn't, and I didn't need his permission as this is a joint account and I won't open up another account in order to justify this transaction. The rep and I went back and forth with this and nothing was accomplished and I was extremely upset and angry. Yes, I do have a temper and I did curse. I went through XXXX trying to pay these movers, not only for the deposit but for the final balance as well. 

I tried going through the chat with SunTrust and that didn't help either. They could have cared less that I was burying my brother the day I called because they wanted my husband to call them to give his " permission to the little woman. '' They have now suspended our online banking as a result of this situation because I refuse to let my husband call them. I never even bothered to tell my husband about this because I know he would think this was ridiculous. 
It's the principal of the matter ; plus they caused me such grief the day of the funeral and thereafter due to this scenario. I will never forgive SunTrust for how they handled this delicate situation in such a thoughtless manner! 

I now have to go through my brother 's Guardian /Conservator ( I am the G/C ) account in order to pay our mortgage or check our other accounts. SunTrust just keeps piling on the grief! 

This isn't the first time I've had problems with SunTrust. They wouldn't let me close my deceased brother 's business account, even with proper documentation, until I mentioned that I was going to contact my lawyer. 

I could understand if I was trying to cheat my husband out of money, but to ask his permission to send money to the mover who was helping me with my deceased brother 's belongings was outrageous!!
Product: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes. I use Zelle frequently and when I report a discrepancies my financial institution as well as Zelle failed to investigate claims adequately. I was told that tracking transactions and recovering lost funds was impossible. Zelle had neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to fraud and scams. This lack of accountability raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the US Bankruptcy Court of Arizona asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 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: Credit reporting or other personal consumer reports

`please see all attached documents to include report to XXXX FTC Report Accounts to be removed within XXXX days and police report showing my wallet and personal effects were stolen and identifying info