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

On XX/XX/year> I submitted a direct dispute via certified mail to Equifax demanding they remove all inquiries and all fraudulent information from my credit report however Equifax did not remove anything in fact they were being bias and keep the information on my credit report after Ive sent in proof of identity proof of residency Now today as of XX/XX/year> they have not removed the inquiries and fraudulent accounts from my credit report in which now Im filing a federal suit and seeking financial damages and EQUIFAX HAS ALSO VIOLATED CPFB LAWS REGARDING MY IDENTITY THEFT ISSUE IF THESE ACCOUNTS ARE NOT REMOVED ASAP I WILL SUE
Product: Checking or savings account

On XXXXXXXX I made a Key Bank online electronic checking account payment transaction in the amount of {$81.00} to XXXX XXXX. The process indicated the payment was guaranteed by XXXX. The confirmation number provided is XXXX. The {$81.00} was deducted from my account on XXXX. On XXXX, I received an email from XXXX XXXX indicating my bill is past due. I contacted XXXX XXXX and provided the payment date and Key Bank confirmation number. XXXX XXXX indicated they will initiate an investigation. I also contacted Key Bank on XXXX and was connected to an offshore contracted representative and supervisor. The supervisor indicated the bank processed the payment in error on XXXX as a physical check rather than an electronic check but they corrected it the next day. She also indicated Key Bank will send XXXX XXXX and myself a letter of explanation regarding their error. Since XXXX XXXX still has not been paid as of XXXX, I had 5 additional conversations with a local branch bank employee and bank specialists in Ohio and New York. No one has been able to tell me when XXXX XXXX will be paid and they will not put the {$81.00} back in my account. I have spent numerous hours attempting to get this resolved. As of today, XXXX, Key Bank still has not transferred the {$81.00} to XXXX XXXX and XXXX has posted a late fee to my account. I'm also concerned the late payment will be reported to the 3 credit agencies in turn reducing my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Chapter XXXX bankruptcy in 2018. It was discharged on XX/XX/XXXX. 

I had an account with XXXX and XXXX has refused, after multiple calls, to amend my report. 

They state the account was sold and they can not make any corrections. 

Which is interesting because the same account reflects my bankruptcy on both XXXX  and XXXX. 
However, my Experian file reflects closed, delinquent, sold to another lender ( in the comment section ). 

I considered that it is possible the other two agencies ( XXXX  and XXXX  ) actually updated my file and that XXXX may not be able to amend it's reporting. Although if they continue to report anything at all, it seems likely that it could be amended. Even still, I tried disputing it directly with Experian. 

After two unsuccessful attempts through their site, I called and explained my situation and was instructed to mail in the proof I was attaching to my disputes ; namely, a special form and my discharge order which includes the XXXX  account in question. 

I was told by Experian that a " live person '' vs an automated system would review the file. 

A few weeks later, I received a letter from Experian with the exact same verbiage as their site provided in response to my previous disputes. 

Basically, it said 'we investigated and found the information to be correct and no changes were made '. Not exactly, but that is the gist of it. 

Now, all of my other closed accounts reported by Experian reflect the bankruptcy, closed and a current payment status. 

I tried a couple more times through the website and now I am unable to dispute because I kept receiving the same answer and they disallow further investigation. 

I called again and my information was taken over the phone for the second time. They instructed me to send in the same information again, but said they would make sure to have it addressed. 

A few weeks later, I received the same generic and frustrating declination letter. 

At this point, I've considered having my attorney handle this because frankly, it is ridiculous and so much time has elapsed ( I waited over 12 months for the error to be corrected ) that i feel I have to take more aggressive action. 

I recently received a declination letter for an extension of credit due to delinquency on my Experian report. While there is a bankruptcy, there should be no delinquency. That's one of the few benefits of having your debt discharged. 

I want this resolved and I'd appreciate a sincere apology, and a process review so others do not have to take the same journey as I, but the last two parts are likely wishful thinking. I'll be satisfied with the correction.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX, XXXX Date Opened XX/XX/XXXX Balance {$890.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$710.00} XXXX, XXXX Date Opened XX/XX/XXXX {$1100.00} XXXX XXXX Date Opened XX/XX/XXXX {$460.00} XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX {$1700.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX  {$9400.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$8400.00} Date Opened XX/XX/XXXX XXXX  XXXX  {$1200.00} Date Opened XX/XX/XXXX XXXX XXXX {$38.00} XXXX XXXX, XXXXXXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RMS illegally ran a credit inquiry on XXXX without my consent. I never did business or consented to do business with this company. It is affecting my credit negatively due to their illegal business tactics.
Product: Checking or savings account

My mom passed away in XX/XX/2022. At that time, she had her Medicare premium payments set up for auto payment through PNC bank. I notified PNC and Medicare/Social Security that my mom passed away and provided the official death certificate XX/XX/2022. I then filed for probate and waited for that process to complete. When probate ended, I went to PNC to pay the lawyer fees and settle the estate. It was then that I found out PNC had continued paying mom 's Medicare premiums EVERY MONTH since she passed away ( around the XXXX of the month ). At the time, it was 11 payments of {$140.00} each. At the local branch, I was told it was their mistake and they would make it right by XXXX XXXX XXXX XXXX KY. I put a stop order on all future Medicare payments and received an e-mail confirmation that it would not happen again. The next month, they paid it again! It is now almost {$1800.00} PNC has paid out to Medicare since mom passed. I then received 11 letters from PNC saying they would not be paying me back for the money and that the matter is settled. After numerous visits to local branches, phone calls, and e-mails this is where it stands : PNC blames their third party bill pay service. The third party bill pay service blames Medicare. Medicare told that third party bill pay employee that they have not been billing them or making any electronic requests for money, PNC just keeps sending it out. She said this would be the equivalent of me sitting down and writing out a check and mailing it in each month ( knowing that my mother is deceased and not receiving the benefits ) but just continuing to pay the insurance premiums. THE THIRD PARTY EMPLOYEE AGREED. But no one has made it right! I have had numerous phone calls with social security and filled out forms/written letters to try to get the money back. I have gone to two local branches of PNC, sat on the phone for hours with the escalation department, and written numerous e-mails to try to get the money back. I have not had any success. I have reached out to the lawyer that did mom 's estate/probate for help. He called PNC last week and said that once those moneys had been filed on the probate form, it was unlawful to keep removing those funds. PNC has not responded. Can you help?
Product: Debt collection

I never opened an account with this company and I never gave anyone permission/consent to use my information to open an account. I never asked anyone to open this account for me.
Product: Checking or savings account

HELLO MY NAME IS XXXX XXXX, THE CITI BANK ALREADY HAS MORE THAN 3 MONTHS THAT IS IN THE PROCESS OF CLOSING MY ACCOUNT, AND IT IS NOT YET CLOSED, THE ACCOUNT HAS {$3000.00} BALANCE AVAILABLE AND THE BANK HAS NOT SENT ME A CHECK WITH THE FUNDS THE DELAY IS TOO LONG THE BANK DOES NOT WANT TO CLOSE THE ACCOUNT AND SEND ME THE CHECK WITH MY FUNDS, PLEASE ACT NOW AND SEND MY CHECK. 

DEBIT CARD : XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX, TransUnion, XXXX and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES Act and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

TransUnion has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

XXXX and XXXX never responded. 

XXXX never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$150.00} -This is not my account.
Product: Payday loan, title loan, personal loan, or advance loan

My husband and I signed up to purchase windows from XXXX XXXX XXXX in XXXX  XXXX. We used the financial lender they were assigned with to finance the product which is Momnt. The window company went out of business before we received any services or product. The financial institution Momnt did an investigation and it took a year and a half to do. Once their investigation was over they came back stating we still owe the loan although we received no product or services from the merchant. Momnt the lender gave the funds to the merchant and not to me the consumer. How is it fair that we still owe on a loan and received no product? I have provided contracts and pictures to show we never recieved new windows.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Received a brinks money prepaid debit card with a routing and account number, not sure how or why, i didnt sign up for anything and i dont have a bank account yet.
Product: Vehicle loan or lease

On XX/XX/XXXX I went back to the dealership that I bought this car from in XXXX of XXXX. I tried to dispute the account through the credit bureaus in XXXX because the car is being reported as a repo charge off. What happened is I got into a car accident on XX/XX/XXXX and the car was completely wreck so the insurance company paid off the loan. I went to complain at the dealership because Freeway funding was reporting my account as in repossession AND had a balance of XXXX! I attached the credit report for that date. The car was never in repossession, it was wrecked and paid off by the loan company. I went to the dealership and they called Freeway funding and explained to them that I purchased GAP insurance and that the whole car should have been paid off by the insurance company. The dealership said he saw on my credit report that theres a balance due of XXXX lady at Freeway funding said that they show a balance of XXXX like the car was never paid. They were giving us the run around then forward me their legal department that went straight to voicemail. I left a message and they never responded. 

So on XX/XX/XXXX XXXX funding updated my credit report to show a charge off with a balance of XXXX. I know with the GAP insurance everything would have been paid off. Now for sure with them updating my credit report I know they got the money so at this point they are just back tracking and adding all these fees.
Product: Mortgage

I have contacted Wells Fargo several times over the past few months. My main issue is that because of the pandemic my mortgage was placed in forbearance without my knowledge or consent. I am the co-borrower and the other borrower was allowed to take action without documentation or my consent. Because I no longer live in the home, I don't pay anything financially and I've been pushing to get this home out of my name. It i is absolutely ridiculous that the other person on the loan can obligate me further without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pay my parlance on my credit card always and I explained this to XXXX XXXX equifax and every month they do the same thing they lowered my scor and then ask me to pay money to raise my score so they do that on purpose
Product: Credit reporting or other personal consumer reports

I just looked at my credit report to XXXX on XX/XX/XXXX. I saw a hard inquiry that did not have a permissible purpose. I sent a letter to XXXX on XX/XX/XXXX ask them to investigate this but they still haven't fixed the matter. Can you investigate this matter? I also attached a document. 

XXXX. XXXX XXXX XXXX XXXX, XXXX, This inquiry has no permissible purpose of being on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Credit reporting or other personal consumer reports

This company violated my right to privacy by ignoring rights provided by the Fair Credit Act
Product: Credit card or prepaid card

This complaint is against Capital One on how they handled unauthorized transactions on my account and how callous they are with fraudulent transactions on consumers account simply because they know they can deny your claim for any reason and get away with it. this is not right. who is protecting the consumers again these big corporations. Capital One holds his loyal customers responsible for unauthorized and fraudulent transactions and expect them to pay for charges they did not authorize with their hard earned money. On XX/XX/XXXX, I contacted Capital One about an unauthorized charge of {$44.00} cents by XXXX on my account that was posted on XX/XX/XXXX, XXXX upon further investigation, the agent and i found out it was a recurring transaction that was posted also on XXXX, XXXX, for {$44.00} cents and XX/XX/XXXX for {$44.00} cents. so the agent filed the complaints for all three. Now the fraud operation, although acknowledge the transactions were unauthorized, denied the claim to reimburse me for the charges for XX/XX/XXXX and XX/XX/XXXX by stating I am responsible for the unauthorized charges because it is too late to contact the seller. I believe Capital One should be responsible to protect their customers against unauthorized charges or fraud on their account. I should not be responsible for transactions I did not make. I should have XXXX liability when fraud has been determined and established. 

I Spoke to XXXX, id number XXXX, who identified himself as the manager. he told me my claim was denied because they are older than 60 days therefore I am responsible for these fraudulent charges. How does a credit card company hold his consumers responsible for unauthorized charges on their account. who is protecting the consumers? What is Capital One 's responsibility? 
the goal of my complaint is because I want Capital One to reimburse me for those unauthorized charges and not place the burden or blame on their consumers for fraudulent transactions.
Product: Debt collection

I am writing to formally dispute an item on my credit report that I previously contested. Despite my dispute, all three major credit bureaus [ XXXX, XXXX, XXXX ] have failed to provide any documentation or explanation regarding the investigation process. Instead, they have stated that the debt was " validated '' and closed the case, without offering any proof or evidence of a thorough investigation into my dispute. 

Given the lack of proper investigation and substantiation, I request that this inaccurate item be removed from my credit report immediately, in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my continued concern and frustration regarding the second unsuccessful attempt to remove fraudulent items from my credit file with Credit Bureaus. Despite my previous communications and efforts to rectify this issue, the unauthorized entries persist, causing considerable distress and potential harm to my financial standing. 


Discovered unauthorized and fraudulent entries on my credit report. 
Immediately reported the fraudulent items to your dispute resolution department, providing all necessary details and supporting documentation. 

Received acknowledgment of my initial dispute but witnessed no immediate action on the removal of the fraudulent entries. 

Followed up with the dispute resolution department to inquire about the progress, expressing the urgency of the matter. 

Despite assurances, the fraudulent items remain on my credit report after the second attempt, causing additional stress and potential financial repercussions. 

I understand that resolving these matters can be complex, but the persistence of these fraudulent entries is highly concerning and unacceptable. 

I urgently request the following actions : Immediate and thorough re-investigation into the fraudulent entries on my credit report.

Transparent communication regarding the steps being taken to identify and remove the unauthorized items.

Swift removal of the fraudulent entries from my credit report and a confirmation of their removal.

Assurance that my credit report will be accurately updated, reflecting the successful removal of the fraudulent items.

Compensation for the inconvenience, stress, and potential financial impact caused by the delayed resolution and second unsuccessful attempt.

I insist on a resolution within the exact timeframe from the date of this letter. Failure to address this matter promptly will compel me to escalate my complaint through appropriate regulatory channels. I am asking for your assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

i had two mortgages with bank of america that were transfered in XXXX banks are not supposed to report payment issues during the transfer because it is being transferred. we actually got a check back from bank of america as the loan was being transferred. very suspicious that my loan goes into delinqunecy on the month it is transferred. that is not supposed to happen
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1300.00}