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

In the Eastern District of Pennsylvania FCRA Violations complaint XXXX XXXX XXXX. 
Experian XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX RESPONSE TO THE SAME COMPLAINT SENT TO ALL CRAs. for the past 24 months. I have used this forum to build this case to show the incompleteness and inaccuracy on reporting of all three CRAs which continues to report different information on all the disputed items to include proof of all the changes made to each items everytime each items were disputed by certified mail aswell as to the CFPB. 

Instead of agreeing to deleted and block the inaccurated items, they keep changing information and then claim to verify the inaccurate and incomplete account : They have changed several times : 1. The name of the company 2. The date of last payment 3. The balance on the account 4. Payments made to payments not made 5. Type of account If the items were inaccurate incomplete and false, FCRA laws require a deletion of any such credit items. 
I have saved and documented all credit reports reflecting my complaint and planned to seek damages for these reporting errors to include : compensatoury and punitive damages and attorney fees. See my attachements Do they all conduct the same investigation? 

Company responded Status Company responded on XX/XX/year> Response Type Closed with non-monetary relief Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Non Reporting Trade : XXXX XXXX XXXXXXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX XXXX FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com. DESCRIPTION OF NON-MONETARY RELIEF XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable. 

Please note I submitted the same certified mail dispute to all CRAs
Product: Credit reporting, credit repair services, or other personal consumer reports

I Want to ask you to remove delinquency in XXXX 's account. 
Creditor has agree to remove the delinquency and a copy of their letter is attach. 

Thank you.
Product: Vehicle loan or lease

None of the options really fit my problem. Exeter Finance falsely and maliciously reported a late payment as being 30-90 days past due at only 10 days past due. I advised them when the harassing calls started at 3 days past due that I was obtaining a loan to consolidate and this loan would be paid off before the next payment date ( I didn't have an exact date ). I have NEVER made a late payment and they have already issued a repo order at less than 14 days past due and a promise to pay.
Product: Student loan

Since XX/XX/XXXX Navient has incorrectly applied my payments and continues to do so. They are applying my payments to a consolidate loan rather than across all of my loans despite being noted on my payment. then each month they call and harass me about being delinquent each month I have to argue about how they applied the payment to the same loan over and over again and not to all of the loans. Here is my recent communication about the matter. " Why in the XXXX do you keep applying my payments to the same loan, then you send me a past due notice or call me for additional payments. Please apply ALL payments across ALL loans. You need to adjust my payments applied to loan XXXX and XXXX and spread across ALL. I paid a total of {$840.00} the month of XXXX before the due dates. They are applying my payments to the Consolidated loan through Navient, and leaving my federal student loans as unpaid and past due. <P/>I am pending a response from XXXX this has been ongoing since XX/XX/XXXX. <P/>In addition I have been paying on my loans since coming out of deferment during school attendance- XX/XX/XXXX and XX/XX/XXXX. My interest rate is 6.8, why have my balances gone up, I have paid nothing on the principle and very little in interest- the balance just keeps growing. I know they never want you to pay them off but after paying for 10 years my XXXX should be almost paid in full. And my graduate should be paid in full in XX/XX/XXXX. Not going to happen at this rate. This system really needs to be fixed.
Product: Vehicle loan or lease

On or around XX/XX/year>, I refinanced my vehicle with XXXX XXXX XXXX XXXX and was given cash out as a result of the positive equity in my vehicle. I signed new loan documents and title was transferred. When I inquired about a HELOC, the bank initiated a investigation on me and brought me in for interrogation which appear to be a form of discrimination. XXXX alleged I lied on my application for which I was never given as the application to complete. The loan process was a interview cirtual seamless process for which I qualified to have both my vehicles refinanced with XXXX based on the requirements at that time. XXXX froze my account and rescinded the loan. However, the former lien holder never reinstated or sent new loan documents after the car was fully paid off and XXXX rescinded the check sent. I am not currently under contract with the current lien holder since proceeds from the payoff were already used and that loan was closed.

However, since such time BMW Financial Services have continued to bill for the truck each month without legal documentation that they are in fact the current lien holder. The dispute over the payoff is between XXXX and BMW Financial services not me the consumer and BMW. So would like BMW removed from my credit report and all monies sent for the vehicle since XX/XX/year> refunded since there is no valid contract in place. Under FCRA, BMW financial services has XXXX days to produce a contract with my wet Signature reinforcing the loan terms
Product: Credit reporting or other personal consumer reports

The Bureau did not fix the error on my credit report. They are still reporting inaccurate late payments and violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Product: Credit card

On XX/XX/2023, I was a victim of a XXXX  where I was forced by two XXXX  to purchase jewelry at XXXX XXXX and XXXX, XXXX XXXX XXXX XXXXy in XXXX and XXXX, Washington, respectively. 

The total was {$14000.00} At XXXX XXXX, {$13000.00} of jewelry was purchased using my Juniper/Barclays Bank credit card. 

At XXXX, XXXX XXXX XXXX XXXX XXXX$1100.00} of jewelry was purchased using my Juniper/Barclays Bank credit card. 

On XX/XX/2023, I called the XXXX financial institutions involved to inform them that the purchases were under duress. 

Barclays Bank reversed the charges and began an investigation. 
XX/XX/2023 : I faxed my notarized statement with the XXXX, XXXX XXXX report number XXXX, signed Barclays Statement of Fraud , and signed Barclays Affidavit of Fraud to the Barclays Fraud Department . 

XX/XX/2023 : I received a letter dated XX/XX/2023, saying that the charges were deemed valid and that I would be responsible for them. 

XX/XX/2023 : I called Barclays, and they confirmed my investigation was still ongoing, but they wanted me to pay the balance. 

XX/XX/2023 : A representative who identified themselves as XXXX, operator identification XXXX, called me and informed me after further review that I was responsible for the charges and that Barclays does not consider duress when reviewing fraud claims. 

XX/XX/2023 : I received a letter dated XX/XX/2023, from Barclays again informing me I was responsible for the charges. The letter was identical to the one I received on XX/XX/2023.
Product: Debt or credit management

I paid them certificate money in order to fix my credit and they did not do absolutely anything to fix my credit just charge me a lot of money
Product: Payday loan, title loan, or personal loan

My personal loan payment of {$450.00} per month was due on XX/XX/XXXX. I paid through my bank and it was paid by the bank on XX/XX/XXXX. I started getting emails from American Express stating that my payment was overdue. After three of those, I received an email stating they would report it to the credit agencies. I called and they said they would take care of it. I have called him a total of three times. Yesterday XX/XX/XXXX I called and they said there was a problem with processing on XX/XX/XXXX the date on which I paid. Its hard to believe after 20 calendar days they can not fix this. Now my American Express credit card is locked and I get Im getting rejections on purchases made on that credit card. They keep trying to tell me theyre there helping me but they are not and now Im going to get reported to a credit agency, and I have to go through a lot of trouble paying these bounces with other credit cards. An AMEX person called XXXX told me that if I get reported to the credit agency they will fix it. I do not believe them. I believe something is happening in their system and for some reason they can not fix it and keep telling me they will. XXXX said she was going to call me Friday, XX/XX/XXXX but she did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times with Equifax of 2 inquires that I did not initiate and or not mine. I have requested the verification and removal of these inaccurate, fraudulent inquires on my report. The inquires are from XXXX XXXX XXXX  on XX/XX/XXXX & XXXX XXXX on XX/XX/XXXX. I have reached out to both companies multiple times to remove these inquiries that were not made by me and are incorrectly reporting on my report. All of this I sent to Equifax as proof and to no avail, these inquires remain on my report. I have not signed any documents authorizing either organization to view my credit history therefore, their inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. XXXX XXXX responded, dated ; XX/XX/XXXX. Stated that this was the result of PRESCREENED INQUIRIES. NO, these inquiries are NOT the result of any prescreened offer. These inquiries are standard inquires, which I did not authorize. They are fraudulent. I also called XXXX XXXX about this issue in XXXX of XXXX and was told it will be removed. IT HAS NOT! XXXX has not responded and letter was returned, so I sent another ... .Nothing ... 
If XXXX XXXX and/or XXXX XXXX are in possession of any document that they believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed, so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Also, I have been trying to remove old addresses since XX/XX/XXXX. I have sent 5 or 6 request to Equifax to delete the old addresses on my report. On XX/XX/XXXX I received my Equifax report # XXXX showing the old information was DELETED! I received another report # XXXX on XX/XX/XXXX showing these same items once again reporting on my report! This has been going on now for the past 6 months!
Product: Credit reporting or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the following items immediately 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 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 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 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: Checking or savings account

I signed up for a credit repair service to improve my credit scores in XX/XX/year>, however due to the lack of results, communication, & poor customer service I requested to cancel the service by telephone, e-mail & two follow-ups with one of their representatives twice in XX/XX/year> and then once again earlier in XX/XX/year>. I still was billed {$150.00}, which now has forced me to have my bank open an investigation into this company to confirm that I requested the cancellation of their service. I most likely will have to have a new debit card issued because of this company 's lack of properly updating their records. This is totally unacceptable, & should never have happened in the first place. I will never do business with this company again, & I'm upset about the principle of the matter. You can reach Credco at XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section XXXX A states I have a right to privacy. 
15 USC 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXXAccount # XXXX, Account name : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX/Account # XXXX, Account name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX/Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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: Debt collection

I understand that transUnion are supposed to report maximum fair and accurate to the consumer reports but they are causing me and my family harm due to failure of reporting accurate accounts on my consumer report the account listed below has fail to verify this account and needs to be deleted immediately I will be forced to take action and seek remedy for these damages I understand that its add up to a XXXX per violation and damages I will be seeking if not deleted immediately this is there response to the CFPB that they can not verify this account so delete it immediately
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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: Debt collection

I filed a FTC Report Number : XXXX because victim of Identity Theft and followed the plan FTC had and it did not help. 

I wrote a dispute letter to CBNA ( Citibank ) on XX/XX/year>. 

I sent a follow up letter to the same CBNA ( Citibank ) on XX/XX/year> because I did not receive any response. 

I sent a letter to the credit bureaus and have tried online disputes I did not receive any response or verified with no documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert placed on my credit report because of previous hard inquiries from a bank called Comenity capital / XXXX which was resolved with XXXX in XXXX of XXXX. 
On XX/XX/XXXX another inquiry from Comenity Bank Capital showed up again this time on XXXX this time when I disputed the hard inquiry I was told that even though I have a fruad alert on my account they could not remove the hard inquiry till I filed a report with the CFPB. 
I am a victim of repeat fraud with this particular company Comenity Capital, Thank you
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.