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

I am filing a compliant against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the accounts accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act, 15. U.S.C, 168i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the consumer Financial Protection Act, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFRB 's recent administrative proceeding ( File No. 2025 XXXX ) against them for similar violations. I request the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have called Experian and requested the XXXX Unauthorized Hard Inquiries currently reported to my Credit Report - dated from XX/XX/XXXX thru XX/XX/XXXX - be deleted as soon as possible. 

Experian as well as XXXX and XXXX have stated I must report the error to the FTC, and then submit the FTC notification letter to them individually for removal consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. P

lease tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. Account Name : US DEPT ED Account # : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The below account has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX { {$310000.00} ) } XX/XX/2023 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon requesting and viewing my credit file with Experian ( File # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Experian ). Here are the errors that I need Experian to correct. 1.  XXXX XXXX XXXX This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XX/XX/2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 2. XXXX XXXX This account is paid in full.
Product: Credit card or prepaid card

I opened an Amex XXXX  for XXXX XXXX on XX/XX/XXXX with a welcome offer of earning additional 9X Membership Rewards points for Shop Small within the first 6 months, up to {$25000.00}. I made a {$2200.00} purchase at XXXX XXXX on XX/XX/XXXX and a {$990.00} purchase XXXX XXXX on XX/XX/XXXX. But the 9X Shop Small bonus points for both transactions were never posted to my account. 

At the time of the transaction, both merchants were showing as Shop Small merchants on the Amex merchant map ( https : //www.americanexpress.comXXXX  ). XXXX XXXX is still on it as of today XX/XX/XXXX ( https : //www.americanexpress.com/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), see attachment XXXX. I have the Amex online chat records ( see attachment XXXX, XXXX, XXXX ) showing the chat representative confirmed XXXX XXXX was a Shop Small merchant on XX/XX/XXXX when I first inquired about the missing bonus points for this transaction. 

After that, I have contacted American Express many times about this issue. Once a chat representative even confirmed that the missing points will be credited within 8 to 12 weeks of the investigation case date ( XX/XX/XXXX ), see attachment XXXX, XXXX, XXXX. 

And till now, the points were still not posted. I also tried to contact Amex by phone about this issue in XXXX. And they sent me a letter saying " we are unable to process your recent Membership Rewards request '' but did not state any reason for that. This is a complete lack of customer care. I have wasted so much time fighting for the missing points that I should have earned, but the team just simply declined it with a sentence without any explanation.
Product: Credit card or prepaid card

I received a card in my name at my address. It is from Avant and has not been activated. They said they would send it to the fraud department, but all in all it didn't seem safe and secure. It says the card is for a limit of {$300.00} and has XXXX fraud liability for unauthorized charges. Says it is issued by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant XXXX  and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Product: Prepaid card

My {$50.00} card expired on XXXX. I found your website and learned that funds remain for up to 5 yrs after the expiration date and fees may not be applied to transfer or return as a check. PNC says that it 's use it or loose it. I have tried to get this resolved but keep getting transferred to someone else. I was able to go online and see that {$32.00} was withdrawn on XXXX as Close Account administrative Adjustment and that today $ XXXX was withdrawn as a transfer fee. This must have been when I called about transferring the balance but a balance was never transferred. This card should still have {$50.00} on it since it has not been used.
Product: Student loan

I wrote : " I am writing to request a XXXX XXXX XXXX XXXX. I attended a school that I believe engaged in fraudulent practices, and I am seeking to challenge my private student loans based on this misconduct. Please send me the application form and any relevant instructions to proceed. I appreciate your prompt attention to this matter. '' Their reply : " Thank you for contacting us. Your private loan does not offer a discharge for school misconduct. This is only offered for federal loans under specific circumstances. ''
Product: Mortgage

Highlands Mortgage sent me a note that they are selling my mortgage to another company giving me just 6 days notice ( The requirement is 15 days ). Their letter arrived in the Mail on the XXXX, and the Mortgage transfers on XX/XX/XXXX. This, I believe was done in retaliation for my having told them of my plans to complain to this bureau on another issue ( CFPB : Complaint ID XXXX ) tied to their not having credited to me an extra payment for over 90 days, and still counting. The letter that they sent me was dated XX/XX/XXXX, which I believe was pre-dated to cover their bases, because on the XXXX itself, they last communicated to me they were still working on the said issue, and they could have just as well told me then that they were planning to sell the mortgage to another company. 

The issue at hand is that the mortgage is being sold to another company while we have an outstanding issue that hasn't been resolved, in this case, they are the debtor and owe me my money. Instead of resolving the issue, they are selling my mortgage to another company to avoid having to meet their debt obligations. 

I need the company to issue me a full accounting of all of the payments they have taken from my bank, including the extra payment, in writing, and an explicit statement, that my payments are one month ahead of due ( i.e. I am asking that the letter state that I am paid through XXXX, if the transfer is due to happen XX/XX/XXXX.
Product: Checking or savings account

Dear Sir or Madam, Thank you in advance for your attention to this matter. I am experiencing issues with XXXX Bank. I opened a XXXX XXXX  Checking account on XX/XX/XXXX, with an initial deposit of {$XXXX0}. I was informed that a bonus of {$300.00} would be granted to new customers who opened a XXXX XXXX Checking account with a direct deposit of {$XXXX} within 60 days. The bonus of {$XXXX0} was to be paid on or before 180 days after account opening. 

To fulfill this requirement, a direct deposit of {$XXXX was received by this checking account on XX/XX/XXXX, and a subsequent direct deposit of {$XXXX} was received on XX/XX/XXXX. After waiting XXXX months, as of XX/XX/XXXX, I have not seen the bonus credited to my account. I called customer service and explained the situation. The representative, XXXX, confirmed that she found the promotion I described in their system. However, she stated that customer service would call me within the next one or two business days to resolve this issue. I never received a call from them afterward. 

I sincerely request that XXXX XXXX fulfill their promise and grant me the {$XXXX} bonus as advised, as soon as possible. 

Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$200.00} XXXX XXXXXXXX XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$500.00} XXXX, XXXX XXXX XXXX a victim of identity theft I have never applied for any loan with XXXX XXXX or XXXX XXXX. I did not apply for any accounts with XXXX XXXX BANK. These are fraudulent accounts and the inquires from XXXX, XXXX XXXXXXXX XXXX XXXX XXXX are fraudulent as well and I have never applied for them. I never lived at XXXX XXXX XXXX XXXX, XXXX and I never lived at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I never applied for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. This is effecting my financial livelihood and preventing me from having financial stability. These fraudulent accounts listed and inquires needs to be removed from any and all credit reporting agencies who is reporting these fraudulent accounts on my credit report immediately
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.
Product: Credit reporting or other personal consumer reports

Im trying to get a car but no one can get my credit report to release. I had to quit my job because of transportation issues and not being able to afford ubering to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX have been and are in constant violation of the United States Codes that cover " Accuracy and Fairness of Credit Reporting. '' For my current and open account XXXX XXXX Account, XXXX has violated my right to privacy, reporting my private information regarding my open accounts payments. This is not a closed account. Yet According to 15 U.S. Code 1681 it states " 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I do not consent in any way for my private status of my open and current account ( s ) under this account to be reported to XXXX, XXXX, or Transunion Credit Bureaus. According to this United States Code, my right to privacy has been and is continuously being violated, with reporting my late payments in my credit report, which have not only affected my ability to qualify for proper mortgage loans while serving in XXXX XXXX military status currently, but being able to properly qualifying for appropriate car loans, with a fair reporting credit score due to deficiencies reported like such. 

As for the XXXX XXXX XXXX account listed as a closed account on my XXXX Credit Report, Transunion Credit Report, and my XXXX  Credit Report, I am demanding that this account be removed from all credit bureaus including but not limited to XXXX, XXXX, and Transunion, as it violates my right to privacy posting late payments within this account, and also posts the account as a charge off. A charged off account, can not be considered a " late payment. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Investigation Request Letter Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have XXXX days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account/Late Payments : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX percent accurate, please remove them from this account and update the account as paid as agreed. 
I also read where I can get the updated report after you investigate this from the XXXX XXXX guy. I still have not received any updated credit report from your office. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau never did a proper investigation according to the FCRA. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

According to 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I did not give anybody written instructions.

15 U.S. Code 1681i states If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Product: Credit card or prepaid card

In XXXX of XXXX, I ordered an island for my cabinet at Home Depot. They had a promotion for 24 months with zero interest. I decided to take the promotion. I have made all of my minimum payments on time and never missed any payments. I recently noticed that all of a sudden the remaining balance ( which I was planning on paying off fully ) has increased. 
My payments were on automatic payment. So I didn't login to my account every single time to make a payment. 

In XXXX of XXXX my promotion ended. And since Home Depot doesn't send any notification about the promotion ending I did not realized that until my next billing cycle. After I realized my balance have increased. I logged into my account and come to find out that there was a deferred interest of {$1300.00} applied to my balance. Since at the time of opening the account there was no information communicated about deferred interest that kicks in after the XXXX time is up. Considering the purchase this deferred interest is not insignificant. and since Home Depot doesn't communicate that the promotion is ending and we will charge a deferred interest if you have your payment on auto payment you can easily miss that. 

I believe this is completely intentional from the side of the company to catch people missing their deadline and getting charged for the entire periods ' balance plus the interest. All of this makes me think that I am ill advised at the time of purchase and I am being betrayed by this company. 

When I called the company on XX/XX/XXXX, they told me that the grace period is over, even though I offered to pay my balance right away ( which I have already ). But given that they don't send any communication to the card holder regarding deferred interest and the grace period ending, I find it extremely dishonest. 

I believe this is creating a precedent for others who also have been or will be in the same situation and either because the balance was small or they didn't know how to solve this situation, they ended up paying into this scam. I believe Home Depot needs to be forced to send their customers clear communication when any promotional rate is ending or if there is going to be a deferred interest being charged. I know as a consumer I have a right and a representative, that's why I am writing you. 

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

Capital One reported to XXXX XXXX that I have a balance of over {$12000.00} when i have a {$0.00} balance according to my records AND their records. I have to file a written dispute that may take 60 days or more and in the meantime, my credit score is down the XXXX 's when i should be in the XXXX 's. This will financially impact me as it pertains to borrowing money until this is resolved. When I called them, their was no way to expedite the process even though admittedly it was their mistake.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collections XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Late Payment : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Current Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XX/XX/year>
Product: Debt collection

Upgrade On XXXX XXXX XXXX I sent a Priority Mail letter to Upgrade Inc regarding alleged charged off accounts they had listed on my credit reports. 
I requested validation under the XXXX along with corresponding local state laws. Validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 
Since it has been more than 30 days since I sent my letter to them without them providing the validation I requested, I am demanding that they permanently remove any/all negative information from my credit report as they are in violation of FCRA/FDPA laws.
Product: Credit reporting or other personal consumer reports

There is a company that showed up on my credit report as a line of credit. It says i was paying {$40.00} a month but is now delinquent. I never opened this line of credit, looking at my bank statements I never made monthly payments in the amount of {$40.00} to anyone. I had a XXXX XXXX of over XXXX now its XXXX. The company name is XXXX. There is a name, XXXX XXXX and a phone number of XXXX. I called the number numerous times, no one answers and the mailbox is full. How can I fix this problem when I cant get a hold of the company to find out what this is and how to fix it?