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

To Whom It May Concern, This letter is in response to your recent claim that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. I have attached my recent Police report to this letter. 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.

CC : Consumer Financial Protection Bureau CC : Attor
ney Generals Office CC : XXXX XXXX XXXX
Product: Vehicle loan or lease

in 2018 I went to XXXX XXXX XXXX in XXXX Ny to buy a XXXX XXXX, the car they were trying to sell me the engine was bad they took thier back.I called santender to tell them that I dont have the car because the engine is bad, they gon na give me an XXXX XXXX the dealer sold me they XXXX XXXX couple days after I recieved a bill for the XXXX XXXX, I called santender to tell them that I dont have that They took it back and give me an XXXX, Santander told they gon na fix,2 weeks later I recieved another bill for the XXXX I called aigain and tell them That I only have one car why I do I have to pay for 2 cars, I told them to come and get the XXXX and they did, now they charged me almost {$28000.00} for the XXXX XXXX that I never had.I called them they said they gon na investigate it 6 years after.now they telling me that they do not know where the car is.That I have to pay them.
Product: Credit reporting or other personal consumer reports

The late payments listed do not reflect my consistent payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX account multiple times with Transunion for inaccurate reporting but Transunion continues to report it and confirm the erroneous information. As of today, XX/XX/XXXX Transunion is reporting this account as 30-59 days past due and causing me to have a inaccurate credit score / file even though it is reporting current with creditor.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

ACCORDING TO 15 USC 1666B AND UNDER THE FCRA THEY CAN'T REPORT LATE PAYMENTS, SO WHY IS THIS STILL REPORTING? THIS IS VERY FRUSTATING
Product: Student loan

I am writing to express my extreme frustration with the ongoing lack of resolution regarding my request for a written confirmation of my repayment plan. I have made several attempts over the past months to speak with Mohela to get clarity on this matter, but despite countless hours spent and numerous attempts I am still without the required documentation. 

After finally being able to speak with a XXXX on XX/XX/XXXX, we discussed my repayment plan, and I explicitly requested a memo confirming my repayment amount under the agreed plan. However, due to system issues, the XXXX had to manually calculate my repayment, which resulted in a completely different figure than the one provided by XXXX online simulator. I was informed that I would receive this document within XXXX to XXXX business days, and I have yet to receive any correspondence or documentation. I know now, with experience that they will never reach out to me as I have previously attempted to receive this document via email which they never replied to. 

This delay has directly impacted my ability to secure housing, as the document is a critical requirement for my housing approval process. Because of this, I have been denied housing for XXXX, XXXX and XXXX. I have been trying to resolve this issue since XXXX, even submitting my XXXX application multiple times. Each time, I was told it was under review for months, which has added even more frustration to an already difficult situation. Noting, my lease ends in XX/XX/XXXX and I have no idea what to do. 

This ongoing lack of communication and failure to deliver on promised timelines is unacceptable. I need this documentation as a matter of urgency to move forward with my housing application. 

I kindly request immediate intervention so I XXXX be contacted ASAP I can expect to receive the written documentation of my repayment plan. If this matter is not resolved promptly, I will have no choice but to escalate my concerns further. I have attempted to seek help from XXXX but that attempt failed and was redirected to Mohela ( my loan servicer ). 
Thank you for your attention to this matter. I expect a swift and satisfactory resolution.
Product: Debt collection

I sent prove that the debt was paid on XX/XX/2022 and they refused to remove. 

I requested what they had on me to prove the debt was mine, and they did not provide. 

They are not able to prove the debt is mine, and I sent proof that the debt was paid.
Product: Student loan

I setup auto debit for {$200.00}. On XX/XX/XXXX MOHELA withdrew {$360.00}. The additional amount is my new monthly payment. I did not authorize more than {$200.00} to be withdrawn. MOHELA stated because I was in a paid ahead status they were withdrawing my monthly payment of {$160.00} plus {$200.00} which I had setup previously to be withdrawn through auto debit. I have cancelled the auto debit. I contacted MOHELA several times before XX/XX/XXXX. The reason I was given violates the amount I authorized through auto debit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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 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
Product: Credit reporting

This is not mine and they did n't give me any information about when, where, why this was filed on Transunion XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to take an auto loan out with XXXX XXXX XXXX XXXX through XXXX XXXX XXXX located in XXXX, Ohio. I only gave the salesman permission to run my credit for XXXX XXXX  only due to me having a pre-approval prior to him taking my social security number. The dealership took upon themselves to run my credit through multiple lenders and finance companies. I did not give them permission or authorization to run my credit outside of XXXX XXXX. They ran my credit for JPMC Auto Financing, XXXX XXXX ( twice ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I spoke with the salesman about running my credit for XXXX XXXX only on XX/XX/2022. Come to find out they continued to run my credit on XX/XX/XXXX and XX/XX/XXXX. I have not spoken with the salesman pass XX/XX/XXXX so I was completely unaware that he still had my personal information and was running my credit without my permission, consent, or approval. I believe that the dealership and salesman was trying to commit fraud because I have contacted them and they will not take my calls and act as in if they don't know what I am speaking about or act as in if they never worked with me. I am a victim of fraud and stolen identity.
Product: Credit reporting or other personal consumer reports

This issue of an incorrect public record misreported on my TransUnion credit report has been ongoing for nearly 5 years! TransUnion has avoided, denied, or outright ignored repeated disputes to correct this error which is and has affected my credit rating tremendously. 

In XXXX  I contacted TransUnion XXXX or more times requesting their " Method of Verification '' of the fraudulent chapter XXXX bankruptcy they've been reporting on my credit file for almost 5 years. They never properly responded to my requests. They treated these requests as disputes despite my clearly stating I needed to know the method of verification used for the erroneously reporting of this public record. 

XXXX  years ago, XXXX XXXX, XXXX XXXX XXXX removed this public record after I sent them supporting documentation proving the public record was not mine. I've sent FTC affidavits, police reports proving my identity was compromised ; all which TransUnion has ignored without proper investigation or explanation of how they verified this public record as mine. 

I have now probably disputed this item with TransUnion XXXX times over the past 5 years! They are avoiding and ignoring my requests at this point.
Product: Debt collection

I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct.
Product: Credit reporting or other personal consumer reports

This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

PNC is engaged in systemic fraud regarding their credit card promotions and payment applications. I have been a long time customer with PNC, and up until know, have always praised their practices and customer service. After speaking with a member of their high level retail card specialist team, they confirmed they are engaging in illegal behavior. This issue is costing hundreds, if not thousands of dollars, from all of PNCs ' unsuspecting customer 's. PNC offers a balance transfer for their XXXX credit card, which on their website states : the minimum payment due is applied to the balance transfer while any remaining excess funds are applied to the highest APR balance. However, on my last statement, a month after accepting their balance transfer, they applied funds to my balance transfer ( muting the point of a balance transfer and their fee ) and then charged interest to my standard APR purchase balance. This is in direct violation of their terms, applied practices across other credit cards/banks and is flat out wrong going beyond negligence into fraud. To understand the math and their deceptive/fraud business practice : XXXX Statement : Balance-XXXX Min Due- XXXX 0 % Promo Balance- XXXX Paid/Credits : XXXX XXXX Statement : Balance- XXXX Interest Charged at 20.74 % - XXXX Min Due : XXXX 0 % Promo Balance : XXXX PNC literally charged a balance transfer fee and then applied funds fraudulently so they could assess interest. In one statement, PNC fraudulently assessed/charged almost {$120.00} in erroneous fees. As my payments should have been applied, there should have been no interest charged, the balance transfer rate should have only decreased by the minimum payment of {$87.00} to {$1700.00} with the remaining credits/payments reducing the purchase balance at the standard 20.74 % rate. Please help stop these illegal practices and the thousands of consumers who are being fraudulently stolen from.
Product: Debt collection

IQ DATA INTERNATIONAL IN at XXXX XXXX XXXX XXXX WA XXXX has been mailing me collection letters via mail about a {$3700.00} account that is being reported as past due I dont know this company this company does not have a contract with my signature because I have never done any business with this company
Product: Vehicle loan or lease

Infiniti continues to report inaccurate information to my consumer credit file. When I log into InfinitiFinancialServices the account immediately reflects a balance of {$1300.00}. Infiniti continues to report to the credit bureaus that I owe a balance of {$750.00} or {$790.00} what they report to the bureaus keeps changing. This account has been paid off by my insurance due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. 

I have attached two supporting documents.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NV, XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear CFPB, I am writing to formally dispute the following information on my credit report under the Fair Credit Reporting Act, specifically 1681 ( o ). I believe the information listed below is inaccurate or incomplete, and I request that the issue be thoroughly investigated.

Disputed Item ( s ) : ANY AND ALL.

Reason for Dispute : inaccurate information Under Section 1681 ( o ) of the FCRA, I understand that you have a responsibility to investigate this matter with the furnisher of the information. I request that you conduct a reinvestigation and notify me of the results of your investigation. 

Please provide me with a copy of my updated credit report reflecting any corrections made as a result of your investigation. 

Thank you for your attention to this matter. Please let me know if you need any further documentation or information to assist in resolving this dispute. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am using XXXX as a bridge to protect my financial information leaked online through transactions. I have an account with PNC and they block my ability to connect to my XXXX account, which other users are able to do so without issue. I tried to talk to them, they asked me to talk to XXXX but they are the one who block the connection which is supposed to be legally allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Equifax for over 2 years and also to CFPB only to have the same information continue to be reported wrong on my credit report and the results of my disputes not sent to me I can not access my report in anyway shape of form they will not correct the information and have been none complaint to my requests, there are 7 accounts with XXXX XXXX that should be only reported as closed paid in consolidation and the remarks removed. I have a positive consolidated account from XXXX that is not reporting wrong and I 'm not requesting a dispute. Also there are 8 accounts from the Department of Education reporting as included in bankruptcy which should only be reported as closed and paid. Student loans are not included in Bankruptcy I have contacted XXXX & the Department of education and they have continued to state they have n't been contacted by Equifax to verify the information. 

I have sent them proof of identity with my dispute and I have concerns about my information as they have had 2 published security breaches recently. 


Equifax has not provide me a copy of my report after at least XXXX disputes.
Product: Credit reporting or other personal consumer reports

Chase continues to ignore my dispute and failes to list or report that my acount was included in Bankruptyon my credit report and refuses to update my credit report as being " Paid In Full '' and refuses to remove the status remarks as late 120 / 150 Days Late!!! 

I've esculated my complaint to senior management for Chase and Employee - XXXX XXXX ignores my calls, left voice messages, and fails to address my request! I have notified Chase for more than three years and no changes have been made to address my complaints! 

I have esculated my complaint to the better business bureau for the way my complaint has been handled!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to put a freeze on my credit report account with Experian.

I first applied on line, but at the end of the process received a statement that they were unable to honor my request based on the information I entered and I would need to send them copies of numerous documents ( including gov't ID, utility bill, bank statement, insurance statement, etc. ) to verify my identity. I felt that this was unduly cumbersome and unnecessary.

I then called them and answered another array of questions, and was informed at the end that they had placed an alert on my file with them and the other two agencies, but no mention was made of the freeze. This all occurred with an automated system and I was never able to talk to an agent to resolve the problem.

I believe that Experian is deliberately obstructing my ability to freeze my file, as they are required to do by law.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Debt collection

I am homeless and XXXX. 

With the help of an advocate at the homeless agency where I reside, I contacted Convergent Outsourcing, which is handling the debt for my XXXX account. 

On XX/XX/XXXX, XXXX my advocate and I talked with a Convergent representative who offered to settle the debt for {$470.00}. The original debt was {$1500.00}. The representative agreed to email a new statement with the agreed upon settlement figure to my advocate. That statement never arrived and we called again on XX/XX/2022. On the XX/XX/XXXX call, we were informed that the company 's representative we had spoken with had committed an error and that the company would not honor the agreement they had made with us. The person we spoke with on XX/XX/XXXX verified that the offer had been made. 

I want to settle this debt, but only for the amount we agreed upon. Can you help?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letter written to all 3 credit bureaus XX/XX/2023. XXXX, Equifax and XXXX XXXX. 

Dispute : Accounts written off with the IRS is considered ordinary income and now canceled debt, 1099c. Advised that I never received the 1099c for any accounts that were charged off and to please provide proof of documentation if so. These accounts are inaccurate and still furnishing on my credit report. The companies have filed it on their taxes as a loss and is still reporting it on my credit report as debt. I asked to be provided proof of accuracy of these reportings and delete for inaccuracy of accounts. Violation code 15 usc 1681e ( b ), 15 usc 1681n, 15 usc 1681o. 

Credit bureau just updated the accounts and added remarks. I asked for deletion. 

Accounts furnishing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX