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

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I again will dispute this account on my Equifax credit report. I have lost count of the times I have disputed this account and again it remains after this account was investigated. As I went to their website again the photos show how incorrect their reporting is. If information is incorrect or can not be verified it should be removed from a consumer credit report. I will continue to submit a request for removal even though this bureau will not admit there fault. In doing so, I hope my disputes help someone who is going to suffer the consequences if Equifax continues their bad business practices. Again look at my photos and it shows the changes and how the reported info has changed and doesnt match the previous report. The CFPB is not holding this bureau accountable and for consumers, this is unacceptable.
Product: Credit reporting or other personal consumer reports

EXPERIAN AND XXXX REMOVED THE FOLLOWING ITEM FROM MY CREDIT REPORT IN RESPONSE TO AN FCRA VIOLATION I REPORTED. THEN, ON XX/XX/, EXPERIAN AND XXXX ADDED BACK THE ACCOUNT ONTO MY CREDIT REPORT WITHOUT NOTICE. THIS IS A SERIOUS VIOLATION OF MY RIGHTS UNDER THE FCRA. 

ABSOLUTELY, UNACCEPTABLE!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I did a pre-qualification on the CarMax website, and, after getting my pre-approval terms, I opted out and took no further action. I then received a separate text message from CarMax ( that I first ignored ), then it was sent again, and I said " Yes '' ( just so I can speak to a live representative about the hard inquiry I had just received on my credit file ), and I started to receive even more alerts about a hard inquiry on my credit. When I responded to the same message and asked if a hard inquiry was run on my report, the agent who responded ( who I was later told is not a live person, but a computer-generated response ), the " agent '' never responded and I was never contacted by anyone to discuss the issue or even " the financing options '' that ( I never asked for or went through or agreed to ). What CarMax did was took my pre-qualification and ran a hard inquiry with a lender ( XXXX XXXX ; whom I also contacted ) and took my " Yes '' in the text message as some sort of agreement or permission from me that I never gave or even had the chance to discuss with anyone. I've called CarMax numerous times and left my complaint on their survey, chat, and with more than XXXX CarMax Representative for a Manager to call me back. I'm still waiting on that. Again, I reached out to the lender directly ( XXXX XXXX ) and still waiting on a response. I'm finding out that this is a common practice they do on new customers and finding out, even more, that no one wants to take responsibility for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A WRONG CREDIT INQUIRY AND I NEED TO CORRECT IT SINCE IT WAS NOT DONE BY MY PERSON. THE COMPANY ARE PREFERED MORTGAGE ON XX/XX/2021. 


THANKS
Product: Credit card or prepaid card

Every month welfargo charges {$65.00} intrest on outstanding purchases I made through a store credit they issued to me while I am still making payments to pay off the balance. But to my surprise this month of XX/XX/2018 I notice {$430.00} intrest while I have not used the card for any other purchase since I began to make payments on the account. This was also reported to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017, the credit bureau Equifax revealed that hackers had broken into its coputer systems and stolen the personal details of 140 million Americans with credit history. According to their web site, XXXX, my private personal information was stolen during this event.
Due to the sensitive nature of the information Equifax collects as part of doing business, I believe that Equifax was grossly negligent in designing its computer systems in such a way that robust protections for that sensitive information were not in place. Their conduct is unacceptable by any standard. 

Furthermore, Equifax has entirely failed to compensate me for the risk that I am now exposed to. For the rest of my life, I will have to carefully monitor my credit and pay for tools like credit freezes in order to reduce my risk of identity theft.
Product: Vehicle loan or lease

XX/XX/XXXX sent THE PNC FINANCIAL SERVICES GROUP, INC notice to rescind any written or verbal contracts with my signature. And to return the securities and FRN ( USA dollar bills ) payments made over the length of the establishment of this account. 
A registered securities was mailed out and accepted on XX/XX/2024, been over 30days.

THE PNC FINANCIAL SERVICES GROUP, INC per CFPB responded with a letter informing me that they will not stop reporting potential harmful information to the public. And will not stop receiving and selling my securities fraudulently, this fraudulent debt thats continuingly collecting interests and principal on my behalf.
Product: Mortgage

I refinanced my loan for XXXX  home and new mortgage company and previous mortgage companies were the same ( AMWest ). But they show discrepancy of when previous company wired the funds to title company and when title company wired the funds to new mortgage company ( which in this case is the same company!! ) by one week. 

So I lost interest of 5 Days XXXX XXXX $ XXXX even though title company claims they wired the funds for new loan on Monday ( XX/XX/2021 ) the mortgage company says nope they received it on Friday ( XX/XX/2021 )!!! Please note that the previous mortgage company was also AMWest and new mortgage company is also AMWest and title company says they never held the funds with them for more than few hours and immediately wired the funds to AMwest once they received it from previous mortgage company XXXX which in this case was also AMWest only )
Product: Credit reporting

I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against Equifax regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to Equifax and to XXXX numerous times for their review and to this day still no response. 
In XXXX 2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or FICO score for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( A ) ( i ) state that if you are unable to provide Verifiable Proof then you must DELETE the incorrectly reported public record items listed below immediately. 

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CHXXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 
2. Bankruptcy Chapter 7-Discharged. THIS ITEM DOES NOT BELONG TO ME!

Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 
3. Chapter XXXX Bankruptcy-Discharged.. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX Inaccurately posted on XX/XX/2019. 

I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ).

Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/2019 ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX Credit Bureau and Bank Of America Re : Bank Of America Account # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim This account was validated and is in fact accurate, despite my claims of the opposite being true. This is a formal notice that your erroneous claim is now formally disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I actually messaged them and asked very nicely to close my account. And to use the secured portion of the deposit to pay the bill. After I asked them I forgotten about it. Well it seems that they took it o themselves to keep it open and before I realized that it was still open they had already had 5 or 6 late XXXX XXXX or more days late. I had to message and ask if they would remove the late marks as I felt it was their fault and they refused. They have caused me great distress and a bad XXXX as I have worked really hard to get my score up to XXXX at that point and score prolly dropped XXXX points.. They deliberately done that to cause me to be depressed. They prob are laughing now 15 USC 1681a I states report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer can not sue the issuer unless the consumer writes a dispute letter to the credit reporting agency first,
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts Ive marked as inaccurate XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

My account had got hacked and someone removed money from my account I tried to get it back from the bank they said they were not able to do it because of the type of account it was. So I lost almost {$800.00}. Then I use XXXX to pay for a service but never got the service done because they were scammers I tried to get my money back but because it was XXXX I was told once something is sent it could not be refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting

TransUnion, has failed to report correctly despite multiple attempts to correct information. I have sent disputes via mail and through the website. Not only has it been embarrassing to my brother, who they have fully disclosed his debt and financial situation to me, but it is jeopardizing my ability to provide for my family as we are coming up to some major financial decisions in the next year. TransUnion is the only XXXX out of the XXXX agencies that is grossly incorrect. I am currently active duty and XXXX dealing with the hardships that come along XXXX and having to deal with this credit agency over and over again is completely absurd. 
After sending in all proper documents for identification and detailed documentation identifying each dispute TransUnion responded with an even more faulty report. Attached are the documents with hand written corrections. Not only did they keep the items that are not associated with me but they took off an item that actually belongs to me. I am unsure if this is my brothers report with my name on it, or if they just continue to not know how to discern XXXX individuals with a very similar name, same birth date ( we are twins ) and different social security numbers. I am at a loss on how to the credit reporting agency is unable to do its job to properly investigate and report.
Product: Credit card or prepaid card

I used my prepaid ( XXXX ) card to pay a third party ( XXXX XXXX ) via money transfer ( MoneyGram ). The transaction took place XX/XX/2022 for the total amount of {$84.00}. Expecting the money to be applied to the XXXX account appropriately, I waited for it to post to the account. 3 weeks to a month later ( on XXXX about XX/XX/2022 ), is when I was informed the XXXX account had been closed. At this point I was in wait for the refund and once XXXX released the funds back to MoneyGram, i should have been able to get my money back from them.

Moneygram was not being forthcoming with info on how to retrieve the money, so I them filed a dispute with XXXX. At this point I have tried to reopen the dispute thru XXXX. I repeatedly bounced back and forth between XXXX and Moneygram. I simply want back my funds. And truth be told, Moneygram should be the entity to process the refund, but several reps stated that because I filed a dispute, with the bank to my prepaid card, I would have to address them.
Product: Mortgage

my name is XXXX XXXX i own the house at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my mortage company pacific union out of XXXX.well back in XXXX 2014 i received a letter saying that my escow was rasied XXXX. to XXXX a year for hazard insurance but i called my akin insurance and they said that it XXXX a year but pac union is been charging me for XXXX a year i wrote a letter and spoke with pac. union wont chage it and refuse to refund or correct amt.as my pay ment s monthly has gone from XXXX.month to XXXX a month thats XXXX more a year collected my number is XXXX XXXX central time my mortage number isXXXX..i want to take legel action against them for not honest.and over charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to XXXX XXXX concerning two accounts which are showing chargeoffs and collection activity. I wrote to the company on XX/XX/XXXX and again on XX/XX/XXXX to request documentation to support the reported information or deletion of this inaccurate information. They never responded and have stonewalled me. They have a responsiblity to prove the reporting or repair or delete it.
Product: Debt collection

Original debt is from XXXX XXXX XXXX dated XXXX/XXXX/10 in the amount of {$250.00} and is now a dead debt. AmerAssist A/R Solutions purchased the account for collections and has placed it in the credit bureaus with inaccurate amount of {$410.00} and a date of XXXX/XXXX/10. I have tried getting this corrected through the credit bureaus with no success.
Product: Credit card or prepaid card

XXXX store credit card when you pay the bill in full before the new the billing date they put a XXXX dollar fee on your acct because the month before when you paid your bill you did not pay it in full at least that was the crazy explanation the lady gave me over phone. My bill was due on the XXXX and was paid in full on the XXXX but they put this XXXX fee on my bill because of another time, because I did not pay my off my account the month before on the last billing. Its not an interest its a fee. I have talked to other XXXX card holders they have called and companied about this fee too. If you call get the pay off of the card and pay it in full you will get this XXXX dollar fee in the mail. I called and they lady wrote mine off but how many customers are they ripping off on the credit cards. Something needs to be done about a fee that should not be charged for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

An XXXX XXXX XXXX company sent my information to road loans and ran my credit without my consent placing inquires on my credit report. I called XXXX XXXX XXXX and they would not help me, were rude and hung up. I contacted road loans via email and they refused to remove the inquiry, stating that they could run my credit as many times as they like. This is illegal. I am in the middle of a bankruptcy and can not have some scam sources running my credit. I have also contacted my attorney. 
Companies info : XXXX XXXX XXXX XXXX XXXX Loans XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : Dear Sir or Madam/To Whom It May Concern, On XXXX I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. In XXXX  your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed in XXXX ( To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within XXXX XXXX or delete the negative items, as originally requested. Below are the items I am disputing. I never opened an affirm account. I never opened an XXXX account. I never opened an XXXX account. I never opened account called HUNTER WARFIELD ber. Please update XXXX XXXX XXXX XXXXXXXX we brought current so please update this asap. We updated XXXX XXXX XXXX XXXX with a loan modification/settlement. Please correct my credit report by law you must report correct information.