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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting & Notice of Civil Liability under 15 U.S. Code 1681o Dear Experian, XXXX, and XXXX, I am writing to formally dispute inaccurate and misleading information contained in my credit reports issued by your agencies. As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), I demand an immediate investigation and correction of the following erroneous items : Disputed Account ( s ) : All Credit reports will be attached and copies of my documents.

According to the FCRA, you are legally obligated to conduct a thorough and timely investigation of any disputed information. If the disputed information can not be verified, it must be removed from my credit report immediately. Furthermore, failure to comply with these legal obligations constitutes negligent noncompliance, for which you may be held civilly liable under 15 U.S. Code 1681o. This statute provides that a consumer affected by negligent violations is entitled to recover actual damages, court costs, and attorneys fees.

To assist in your investigation, I have enclosed [ supporting documentation such as payment records, correspondence with creditors, identity theft reports, etc. ]. Please complete your investigation within the 30-day period mandated by the FCRA and provide me with written confirmation of your findings.

If you fail to comply with these obligations, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will consider pursuing legal action to recover damages for your negligent noncompliance.

Please respond in writing to confirm that this matter has been resolved. You may contact me at the address or phone number provided above should you require any further information. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copies of supporting documents, credit report.
Product: Checking or savings account

On XX/XX/XXXX I went to an ATM to withdraw {$800.00} from my account. The machine malfunctioned and did not dispense my cash. I immediately called the bank and was told they could see the error and the money would be put back in my account on XXXX XXXX since this was a holiday weekend. A claim had been opened since XXXX and I have spoken with multiple people and have been told it has been escalated but I have to wait until XX/XX/XXXX. I have also been told they can see that the ATM was over by {$800.00} but there is nothing else they can do for me. I have been overdrawn on my account due to this
Product: Credit card or prepaid card

It is extremely difficult to understand how your rewards points balance is computed, much more difficult then I have experienced with other card provider. I do not believe that timely, accurate and complete rewards information is included on account statements, therefore I am left without an accurate accounting of rewards accrual, usage and balance. How many points have I earned, how and when have they been used, how many do I currently have ... this basic accounting information feels like it is being purposefully obfuscated.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2023 I noticed some things were reporting incorrectly. I sent a letter to XXXX asking them to reinvestigate the completeness and accuracy of my accounts. However, I waited the required amount time, They said everything was 100 % correct. I asked them how and send me the description of the investigation based on 15 USC 1681 ( 7 ). They did not provide that which is violation of 15 USC 1681 ( 7 ). They also violated 15 USC 1681 ( 5 ). They also violated 15 USC 1681e ( b ). This does not make any sense to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my credit score was extremely low dueto my XXXX credit card account that I had no knowledge of. My credit card company was XXXX card they sold it to XXXX Im assuming, I had no credit card or knowledge of account therefor unable to make payments. I then received alerts of this account on my phone I contacted them made an over the phone payment on XX/XX/XXXX bringing the account current and then paid the total balance of XXXX bringing that balance down to XXXX! XXXX reported that information to TransUnion and XXXX on XX/XX/XXXX. My score was raised, today XX/XX/XXXX I log on to my XXXX XXXX and see that TransUnion reported again the information of XX/XX/XXXX on my credit report making my account delinquent once again. This was inaccurate, wrongfully fraudulent report on my credit report! I contacted multiple supervisor begging this issue to be resolved, they were very rude and unwilling to help, XXXX informed me that XXXX reported the information on XX/XX/XXXX, I contacted XXXX and they said that was an absolute lie, the explained that they report on the XXXX of each month and the last report was made on XXXX stating the account wasnt paid in full leaving a XXXX balance! I monitor my credit score daily how can TransUnion report my account current and show a balance of XXXX and then report the following month the old information from XX/XX/2019! This is unacceptable, it is my life my score is a reflection of me, yes I have high balances but I always make payments! This card was an unfortunate situation because I had no knowledge of this account being transferred! Someone in TransUnion made this fraudulent report on my credit reporting I need this removed and my credit score raised to what it was!!! I suffer from XXXX and this is certainly taking a toll on me! I need this issue resolved immediately, my well being and sleep depends on it!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

By XX/XX/21 I made a final payment totaling {$1800.00} in turn, I was told that the account would get DELETED from my credit report, not paid in full that arrangement was stressed and made clear before the payment was made. Fast forward to now and it is being reported incorrectly. I spoke with XXXX XXXX ( account rep ) who promised me to delete said account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting and expedited resolution as I am XXXX XXXX XXXX, have XXXX, which has spread and urgently need to resolve all my finances this year. 

XXXX is inaccurately reporting a {$16000.00} balance for an account which has had no activity since XX/XX/XXXX and will be XXXX XXXX XXXX this coming XX/XX/XXXX. 

Further, in XXXX XXXX filed a 1099 cancellation of debt form with the IRS, which I was charged and paid over {$3000.00}. Yet XXXX is inaccurately reporting as a charge off and XXXX of {$16000.00}. Once a cancellation of debt is filed that balance is satisfied. 
I am also XXXX provide me with a full accounting of this account which means all the transactions
Product: Debt collection

My parents are receiving repeated phone calls from a company called Penn Credit at XXXX. The call is automated and says it is in regards to a debt. There is an option to press a number to indicate a incorrect phone number, which my parents have done several times and the phone calls are continuing several times a day.
Product: Money transfer, virtual currency, or money service

My Venmo account was closed for reasons unknown. When I reached out to the company for more information and to try to unfreeze my account they told me their decision was final and that they would be permanently deactivating my account. They citied improper account activity but did not explain any further. Ive had the account for years with no issues. I have no clue what was done wrong. If the account cant be reopened theres nothing I can do, but I can at least be given a reason for their action. Venmo should give warnings to their users prior to randomly shutting them out of their service. Its abrupt, weird, disruptive, and rude.
Product: Debt collection

I received a document delivered by the Sheriff of the county I live in. I was not home and the document was attached to the front door of my residence. I immediately called the Sheriff once I got home and read the document. The document said I owed a debt and listed the dollar amount of the debt on the document. The sheriff and other unknown persons were able to see my personal financial information. The debt collection agency threatened to take my vehicle as payment if I did not call them immediately and set up a payment plan. The sheriff also called the debt collection agency and he was told too that they would take my vehicle as payment if I did not call and set up a payment plan. I began to have a XXXX XXXX and contacted my M.D. I was prescribed XXXX to control my XXXX and prevent me from XXXX. I began to suffer from XXXX the same night as the document was left on my front door ; I returned to my M.D. suffering from XXXX and prescribed XXXX. After I got myself healthy adn back on track I was able to stop taking the XXXX but I still suffer from XXXX as I look over my shoulder feeling as though someone is going to take my vehicle as I go into XXXX to pick up a few groceries. It 's an awful feeling and as I am unemployed but actively looking for employment ; a payment plan is impossible as I am living off of my savings after moving into my mother 's home unable to pay rent or live independently due to unemployment and lack of money. My vehicle is paid off but the debt collection agency said they put a hold on the VIN so I could not transer the title into another name ; the hold on the VIN makes it impossible to sell the vehicle and buy a cheaper vehicle in order to make a lttle profit.
Product: Credit reporting or other personal consumer reports

I request that you stop and remove these incorrect accounts reported on my credit report. It is important that this is handled as quickly as possible.
Product: Credit reporting or other personal consumer reports

due to the fact that several credit agencies were are being sued for improper reporting I know all the complaint i filed in the pass suffer the same fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : UNKNOWN # XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, Company Inquiries 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

my XXXX was filed XX/XX/2015. It's past 7 years now. this derogatory acct needs to be removed immediately. this has been removed off XXXX. I also have 6 fraudulent inquiries that I have been disputing since XXXX have NEVER had this many issues with any other credit reporting company. I would like this to be escalated.
Product: Credit card

Paid {$3500.00} on a Citi card to pay it off because they said they would keep the line of credit open if I paid it off. It was in my husband 's name, not mine. Although, I knew I was not responsible to a point, I knew it would hurt my credit and he was going to be out of work for awhile and we needed to keep the line of credit. So, we borrowed the full amount and I made the payment in full. They processed the payment to his bank where the money was not and they knew to process the payment to the primary bank account which was mine. They said since the actual payment did not post in the right amount of time they had to close the account. So not only did we not have the money for his treatment, this is wrong. They made a mistake and they know it. Now also, my account has been removed from the credit account because they know they messed up. Citi bank is corrupt. I have all faxes and print outs. I would print everything on everyday. So I have all documentation. 

Please assist.
Product: Mortgage

I have had 2 prior incidence with Rocket mortgage. About 5 years ago. I had my home appraised at a Value around XXXX dollars with another company. I eventually choose not to get refinanced at that time. However about a Month or two late. I then decided to try again with, but with Rocket Mortgage. They sent there person to appraise my home. They came back with a low ball appraisal, almost XXXX lower. I was shocked because I had just done an appraisal prior and had been much higher. I just decided not to go with the refinance at that time. I did check with two or more sites and every other appraisal quote I got was at the XXXX or even higher. It was obviously they were racially profiling me, or trying to low ball my home value. That wasnt the first incident with rocket mortgage. A representative cold called me regarding a potential refinance. He saw my rate was around a 6 % percent and quoted me a lower rate. He asked about my XXXX/ or Credit Score I told him my range was around XXXX. He stated that he could get me to an APR,,, around 4 %. He actually insisted to do a Hard Credit run on the phone. This caused a hit on my credit report. He then stated yes everythings good. I then did the application over the phone, paid a XXXX or XXXX dollar app fee. Then a week later he called me back saying he could only move the APR to a 5.4 %. from a 6 %. I said its not worth doing this refi. So it was a Switch an Bait call. He never intended to give me a 4 %. Then I lost my XXXX dollars as well. He did try to push or hard sell me to just go ahead with it, and we could do it again in another year. I was very upset, XXXX XXXX dollars and took a hard hit on my Credit report..
Product: Debt collection

I have tried for months to resolve and settle this account. First it was with XXXX, it's been tossed around with XXXX  XXXX and XXXX XXXX, now it's with Kramer and Frank. I have called and called many times. NO RETURN CALLS. I have left messages with Mr. XXXX, XXXX and XXXX. NO RETURN CALLS. No communication whatsoever. I have filed complaints before and Kramer & Frank said they didn't have it. I call XXXX XXXX  they say they do. Finally today they say they do have it. No return calls after 4 calls! This is wrong. They are harassing me. I am sick of it. XXXX XXXX  says they own it but refuse to take a payment or try to settle this. Please help me. I will be filing a complaint with the Missouri Bar Association.
Product: Mortgage

I received a tax bill that went unpaid. I was instructed to send it to this email address : XXXX which I did twice and received an automated response saying received. The tax bill has yet to be paid. I have tried many times to call and contact the company which I reach an automated phone system that will never allow you to connect to a human representative. This company will not allow a customer to engage with them to resolve an issue. They are not paying my property tax bills and they are ignoring my requests for assistance.
Product: Credit card

I am writing you in a last ditch effort to have {$770.00} credited back to me for XXXX  ticket number XXXX back to my citicard ending in XXXX. This was for a flight that did not occur due to the XXXX XXXX in XXXX. I have been trying since XXXX to get a refund. I have spoken to multiple people at XXXX  and Citibank. Being told that money is stuck somewhere and there is nothing that can be done. MULTIPLE HOURS involved in this. 

Initially I requested a refund from XXXX XXXX- they offered flight credit, which i disputed. Then I filed a dispute with Citicard- who found in favor of the airlines- could be because they have an XXXX XXXX Citicard. I then returned my complaint to XXXX, which resulted in a refund that citicard is saying they didnt receive. At one point I had both citi and XXXX  on the phone with me and neither could figure out where money is??? 

I am BEYOND FRUSTRATED!!! I have since closed XXXX citicard accounts and will not EVER do business with XXXX XXXX ever again! I have been a loyal citi customer for over 20 years, without XXXX late payment or filed dispute! 

For a CITICARD with XXXX  XXXX  BOTH companies should have a clue how to fix this. 


Reps at CITIBANK I have worked with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My last correspondence from XXXX  stated I needed to contact citi once more - after reaching their executive services department, I was told there was nothing they could do. I have paper correspondences saved.
Product: Credit card

Unauthorized transactions. Company temporarily credited. I have complete proof I did not authorize. As I never heard of this company or purchased. I have no connection or history with this company. I ask that my resolution of XXXX liability and back by regulation e I am fully credit as this is fraud XXXX rebill {$1800.00} XXXX rebill {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am needing assistance in dealing with Equifax because I have contacted Equifax several times and they wont correct their errors. I have sent letters about accounts they are reporting that are not correct and they have verified these accounts stating they are accurate? Im really confused how these accounts were verified as accurate when 1 ) Equifax is not even reporting MY CORRECT YEAR OF BIRTH 2. ) These accounts DON'T EVEN HAVE A FURNISHER on the accounts?? So how were these accounts verified, please explain this to me, because I can not understand this. Secondly, I have sent them proof of MY birth : my drivers license, my social security card and proof of my address but for some reason they will not correct their information? I was NOT born in XXXX ; I was born in XXXX. Period. There is absolutely no question about that, but somehow Equifax reports their information is accurate? HOW CAN THAT POSSIBLY BE??? I can not get a credit report from Equifax because they can not verify me. When I attempt to verify my identity, Equifax sends questions for me to answer that does not even apply to me, questions about someone else in another city of another state! And they have numerous addresses listed on my report that are not mine! I can not get approved for credit because the creditors can not verify me because Equifax is reporting someone elses birth year and not mine, FOR YEARS. I feel like I am in the Twilight Zone, surely this has to be in serious violation? This has kept me from numerous credit opportunities to provide more for my children and myself! This has even kept me from being able to continue my education! I am now consulting with an attorney because of the false reporting and refusing to correct their information for something AS SIMPLE AS MY YEAR OF BIRTH. This is absolutely absurd and your errors continue to affect MY financial livelihood!! And you continue to put my personal information at serious risk!!
Product: Credit reporting

Unable to get a credit score or report because all of the ph # they day are associated with me are not, asks my mthly auto payment from purchase in XXXX & I 've never bought a car, asks about mortar from XXXX and I 've never bought a house or had a mortage, no score and no report and all associated cities and numbers are not associated with me whatsoever.
Product: Mortgage

I pay Fay Servicing {$500.00} in escrow each month. The company failed to make a timely payment to my insurance company resulting in lapse of coverage. I suffered a loss after the insurance account was lapsed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023
Product: Student loan

My loans were transferred from Great Lakes to Nelnet. Every time I attempt to login to Nelnet 's website with the password I created with my account, I receive the following error message : " Incorrect Username or Password, Double-check your log in information and try again. Or : Get help logging in, Create an online account if you have loans that were transferred to us or if you've never logged in to our website before. After three failed attempts, we'll disable account access for 30 minutes. '' This is the third time this has happened, with the first two being XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried resetting the password twice and received the same error message after receiving emails " confirming your recent password change ''. I tried logging in on 3 different browsers ( XXXX, XXXX, XXXX ) to no avail. I need to access my 1098-e to file my taxes.
Product: Credit reporting or other personal consumer reports

AFFIRM XXXX XXXX XXXX XXXX HAS ILLEGALLY REPORTED MY ACCOUNTS PAST DUE. I WAS WORKING THROUGH MY UNFORTUNATE ISSUES WITH MY BANK SERVICES AND CREDIT CARD ACCOUNTS. I FORWARDED A MESSAGE TO AFFIRM THAT I WAS NOT GOING TO MAKE PAYMENTS UNTIL I RESOLVED MY PERSONAL BANKING ISSUES. I RECENTLY MADE MY ACCOUNTS WITH AFFIRM IN ACCORDANCE WITH PAYMENTS UP TO DATE. THEY REPORTED MY ACCOUNTS PAST DUE. I REACHED OUT TO THEM AND THEY TOLD ME THEY CAN NOT RESOLVE THE PROBLEM
Product: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  are claiming I owe a debt of {$660.00} XXXX XXXX XXXX claims that the account Holder Name is : XXXX XXXX XXXX this is not me nor am I the person they addressed the bill to : XXXX XXXX I have included an Affidavit as evidence that this is not my alleged debt. 
XXXX has not provided me with a purchase agreement Violation under the FDCPA 15 U.S.C 1692a ( 2 ) states that communication means : The conveying of information regarding a Debt directly or indirectly through " Any '' medium I have spoken with this debt collector on the phone and they said it was not suffice to dispute over the phone and they have made this misleading statement that I needed to send a dispute in writing as well as fill out a identity fraud forms. 
Therefore XXXX XXXX XXXX is breaking the FDCPA I have asked for an original signed by both parties contract and they have not provided that I have asked for an itemized bill and they have failed to produce one i have asked them to provide their booking keeping entries per G.A.A.P ( 15 USC 44 ) ( documentary evidence ) none of which I have ever received I requested a copy of the 1099C This is Fraud and I have the right to report XXXX to the IRS and sue for statutory damages. 
This dispute will be used as evidence