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

I have made several disputes for accuracy verification regarding the reported account XXXX XXXX # XXXX with the CRA, Equifax with the most recent on XX/XX/2020, resulting in a response from Equifax, this creditor has verified that the date is being reported correctly. Equifax does not say what date is being reported correctly, nor do they respond to the specific items that were outlined in my dispute on XX/XX/2020. 

The CRA, Equifax knows, the information in my file must be complete and accurate, and verifiable, otherwise it must be deleted. This is made clear in FCRA Sect 611. I  asked Equifax to remove this tradeline because they were repeatedly reporting unverifiable information. As of XX/XX/2020, this account XXXX XXXX XXXX XXXX is missing the date of last activity, credit limit, high credit amount, charge off amount, and date of major delinquency. All of this information is required for accurate reporting. 

I am in the planning process of applying for a mortgage and have rights under the Fair Credit And Reporting Act that Equifax is violating.

Equifax response to my dispute regarding missing information with respect to XXXX XXXX ( aka XXXX  ) is that this creditor has verified that the date is being reported correctly. This is a direct response form Equifax. ( see attached ). They have completely ignored all of my disputes regarding this matter and, instead, have merely updated my report with a random reply unrelated to my original dispute. 

It appears that their response is a result of not providing me with proper investigation processes as required by Federal Law or a blatant fabrication. Instead of deleting the account, as required as the necessary remedy, at this point, they have instead, kept the account on my file with incomplete information.
Product: Vehicle loan or lease

XX/XX/XXXX, I applied for credit over the internet with a salesman from XXXX website, the used car had to be transferred from NC at no charge. Rate quote received 11 %. Once ( 2010 yr ) car was delivered to Georgia, my original salesman no longer worked there, a new salesman and manager informs me rate changed and is now 26. 9 %, now required {$800.00} down payment. Sales manager told me I could refinance the  rate because he couldnt get the old one back. I trusted him because he said advised me that was what he did when he purchased his car from XXXX. Unfortunately, I could not refinance the car and the three day return option had expired. The payment I was obligated to make for 73 months is {$590.00}, the loan amount was {$21000.00} including title and transfer fees. I am a single woman who was profiled and discriminated against when XXXX used unfair, deceptive and abusive acts against me. I have been struggling to make this payment to Santander Consumer USA for 3 years. I have made {$18000.00} in payments ( to date ) for this loan and I still owe {$19000.00}. Less than $ {$2000.00} has been applied to the principal balance. My credit is effected by this. I have even lost my job and my home. I have made several complaints to both XXXX for predatory lending and discrimination to no avail. I hold XXXX responsible because they had offered me a lower interest rate beforehand and when I arrived I was pressured to buy now or XXXX could not hold the car for me. I did not understand this since I had waited for the car to be delivered from another state. I also traded in my vehicle I owed a title loan on. I was only given the amount of the title loan for my trade. I also believe this was unfair and deceptive. The payment amount provided when using their ( XXXX ) calculator was {$540.00}, on their website, using the same terms, is less than my required payment. Santander not XXXX does not explain truth in lending as required to consumers. I now understand Santander has been charging me the usurious interest rate 27.9 % plus that of % 13.99 each day for simple interest. XXXX did not show me my credit scores, so I pulled them as was advised car dealers repeatedly pulled my score in order to lower the score in order for their system to increase to the rate they gave me. I would like this investigation to help consumers like myself be able to see what the Auto dealers are doing when they take your personal information and request credit and receive results. I would like to have both companies held responsible for discrimination, predatory lending, truth in lending disclosures and UDAAP violations. I would like this contract to be dissolved and credit for payments to principal to be applied at the initial interest rate quoted.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need delete are listed in the report. I am a victim of identity theft and did not make the charge. 


XXXX XXXX XXXX XXXX When the account was opened : XXXX XXXX Account Balance : {$6500.00} Account name : XXXX XXXX XXXX  When the account was opened : XXXX XXXX Account Balance : {$300.00} Account name : XXXX XXXX When the account was opened : XXXX XXXX ACCOUNT BALANCE : {$980.00} Account name : Discover Bank When the account was opened : XXXX XXXX Account Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to use car lot to buy a car but, they Deny me because I couldnt pull my credit report and I was unable to pull my report because, I have a freeze on the account, I need to unfreeze it and manage the freeze, But Im been unable to because, The email that is signed to the account is old, And I doesnt I dont use the email anymore, I been try to contact the credit Company, Since 2020.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I ordered a custom built boat, I paid {$14000.00} as a down payment cash. Suncoast Credit Union gave me a boat loan for the remainder which is approximately {$60000.00}. I advised the bank to pay me the loan amount so that I could pay the builder as he built the boat in XXXX. The bank refused this and sent the builder a a spec sheet to which the builder provided fraudulent information to the bank ie : serial number to motor and trailer from builds prior.the boat was scheduled delivery in XXXX of XXXX however, the boat has not been delivered. I have made a years worth of payments and the bank is now just realizing I dont have the principal to the loan. When I presented this to the bank they refuse to go after the builder and protect me the client. I am filing criminal charges against the builder but the bank needs to take the loan over and go after the builder. I cant get the loan officer to call me back and have asked repeatedly for his supervisor to call me with negative results. The bank admitted they made a mistake but I feel the loan officer and his supervisor are trying to cover themselves for making the errors they have in lending the money.
Product: Debt collection

I have called on behalf of my husband, The California Business Bureau ( Debt Collection Agency ) on XXXX-2018 after I got their number from XXXX  XXXX and I was told to call them in order to get a new XXXX XXXX. The Representative that answered my call was very aggressive and abusive and told me that my husband owes {$15000.00}, which is false. We got into an argument since she didn't let me speak and was aggressive and disrespectful. I hung up the phone. The day after, I got an alert from XXXX that this collection agency had put a hard inquiry on my credit, not my husband 's. I don't know how a collection agency can place and check my credit whenever they want when it's not even my debt.
Product: Credit card

On XX/XX/23, I received a text message from Citi 's Fraud Department alerting me to suspected fraudulent activity on my account. Upon further investigation, I confirmed that the transactions in question were indeed unauthorized. 

I immediately responded to the message, affirming that the activity was fraudulent. Additionally, I took proactive steps to fax my identification documents to the Fraud Department to aid in their investigation. However, I encountered challenges as I was initially provided with an incorrect fax number. Consequently, I had to resend the same documentation after obtaining the correct fax number. 

Furthermore, I have made numerous calls to Citi Bank 's customer service in an attempt to expedite the resolution process and ensure that appropriate actions are taken to secure my account. 

Given the seriousness of this matter, I urge you to take immediate action to investigate and rectify the situation. I have already provided all necessary information to Citi 's Fraud Department, and I am cooperating fully with their investigation. 

Thank you for your attention to this matter. I trust that CFPP will handle this situation with the urgency and diligence it requires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent several complaints out about bankruptcies being on my credit report. XXXX # XXXX and # XXXX was obtained through the XXXX Report which is against consumer law 15 U.S.C 1681a ( e ). 
# XXXX was removed from my LexisNexis Report on XX/XX/2022 that came back as unverifiable but also stated in same letter that # XXXX was verified? How is that when the bankruptcy courts don't furnish that information and I never gave permission per 15 U.S.C 1681 Section 604 A Section 2 to LexisNexis to provide my XXXX  report to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

*** It has been 75 days since original request was filed to restore credit standing that plunged XXXX points over a period of 3 months. XXXX, XXXX or TransUnion have NOT corrected the error within that mandated time frame of XXXX - 45 days. Please sanction all three bureaus until score is corrected to it's excellent standing of XXXX. Per Fair Credit Reporting Act*** XXXX has locked me out of accessing my credit report on it's online portal. The portal only loops and never allows access to view or manage credit profile. My phone number is flagged in it's telephone truncated lines ; online and telephone access only loops when accessed. This is ongoing since XXXX with formal request to correct credit score ; submitted with clear evidence of correct credit standing. 

XXXX erroneously caused my credit score to drop XXXX points. Score has also suffered and dropped erroneously with Trans Union and XXXX after filing suit on XXXX XXXX  XXXX. ( Copy already on file with all 3 Bureaus ). I have attached copy here for your convenience. 

I requested correction of false negative reports and provided detailed data proving XXXX XXXX XXXXXXXX negative report was false. My XXXX XXXX before XX/XX/year> was XXXX. Only one year of on time payments have been reported to all XXXX bureaus during that XXXX year time frame. After XXXX  XXXX XXXX 's false report was removed score fell XXXX points then another XXXX points finally XXXX points. XXXX XXXX plunged XXXX points in total in three months. 

There is no logical reason FICO score should drop XXXX points after removal of derogatory and false information. FICO score certainly should not have plunged, again, after correction and removal of false report from XXXX XXXX XXXX. Logic and sound reasoning tell us score should have increased not decrease XXXX points. 

Correct my credit standing to it's proper class of XXXX FICO score without continued delay. Enforce this regulation with and all credit bureaus mentioned here operating in tandem with XXXX  XXXX XXXX. 

The FCRA, The Federal Banking Regulations and Credit Bureau regulators CFPB all state that if there is no response after 30 days consumer shall be made whole. 

Finally, sanction XXXX, XXXX and TransUnion for not correcting this error within the 30 day time frame provided by Federal Bank Regulations, Fair Credit Reporting Act and CFPB. 

This was reported and solid evidence provided to all three bureaus in XX/XX/year> and again in XX/XX/year>. 

Enforce correction of all three bureaus to place credit score back to it's stellar standing of XXXX. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX  Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report.

This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter of Method of Verification Request to Experian because they said they would no longer reinvestigate my claims.On XX/XX/2019 I received My Credit Report yet again from Experian with no changes to it and with the same comments.They did not do what I had requested in my letter I had sent by Law.I had previously sent them 3 letters and I had gotten the same results.They claim they verified everything yet I have not seen one single paper with my Signature on it or anything saying its my account who or when it was verified.They are not doing their jobs as they should be and making it harder on those of us who are trying to fix our credit.If you see the attached you will see what I mean.
Product: Credit reporting or other personal consumer reports

See original Experian 's disputes with Report Number : XXXX for XXXX XXXX XXXX XXXX Credit Card XX/XX/XXXX Closed Charge-off XX/XX/XXXX Balance {$6800.00} which was deleted. Then why am I still having another XXXX XXXX XXXX  XXXX Credit Card XX/XX/XXXX Closed Charge-off XX/XX/XXXX Balance {$6300.00} on my credit report when the first XXXX credit card XXXX XXXX was deemed already fraudulent even though it's different account? It's the exact same issue which was fraudulent and Experian already deleted/blocked one of XXXX from my credit report. Moreover, regarding dispute Report Number : XXXX for XXXX XXXX XXXX XXXX for {$10000.00} which was deemed fraudulent by Experian. Hence, Experian has also blocked/deleted from my credit report. Then why is Experian NOT consistent by deleting/blocking XXXX XXXX XXXX XXXXXXXX for {$1400.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax used my credit reporting history negligently, and let my information get leaked. Then, on top of this, they tried to get me to sign up for one year free credit protection, if I forfeit my rights to class action lawsuit.
Product: Credit card

I was approved for a XXXX XXXX XXXX XXXX from Barclay 's Bank. The offer explicitly promises " instant gold status '' on XXXX XXXX  after making your first purchase. It also says that when you book a flight on XXXX XXXX with your XXXX XXXX you will receive XXXX free checked bags. As of today, XX/XX/XXXX, I still do not have XXXX status with XXXX XXXX. Additionally, I booked a flight using my XXXX XXXX, and was not able to add XXXX free checked bags. I had length conversations with XXXX and Barclays, and Barclay 's has yet to connect my new car account to my XXXX XXXX membership account, which prevents me from accessing the promised benefits. The say it could take 30 days for the accounts to be connected, but I have carefully reviewed the terms and conditions and nowhere does it say that there will be a delay of any kind, let alone 30 days. The times presented are " instant '' and " after your first purchase. '' They refused to offer any additional help or to expedite the connection of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying so hard to fix my credit ans buy home for me and my kids. Theres stuff on my credit that isnt right or is old but effecting my score till
Product: Checking or savings account

On XX/XX/XXXX I made an atm withdrawal for XXXX and was charged XXXX on XX/XX/XXXX I made an atm withdrawal of XXXX and was charged XXXX... XXXX time I received an error message on the atm regarding my card and the atm didn't dispense any funds at all. I went inside the bank and a clerk told me the charges should drop off. The transactions posted and on the XXXX I filed a dispute explaining to chime. On the XXXX I received an email from chime stating my claim was denied and I can't appeal. {$720.00} is a lot of money and I refuse to loose that much due to a careless bank if I have to take this to court and XXXX I will. I just want my money. I never received even {$1.00} from the atm. It's the first few days of the month I was trying to withdraw that for rent but now I'm behind and at risk of eviction due to a XXXX atm and banking with the worst possible bank ever... XXXX isn't on their customers sides at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response back from Transunion via email on  XXXX / XXXX / XXXX  regarding the most recent complaint. They indicated they found the item to be accurate and it will remain on my credit file. This item was previously removed over a year ago  on two di fferent occasions. I was never notified this item was being added back via email or mail from Transunion in the past. I do however, have notices from Transunion were the they found the item to be inaccurate in the past and removed it from my report. 6 months to a year later this item comes back on my report under another creditors name. I do not agree with Transunions most recent investigation and will be seeking legal counsel if action is not taken to have this removed for the third time.     Here is my complaint that I recently sent Transunion : A collection account under the name  XXXX   XXXX   XXXX  was listed on my credit report in the amount of {$640.00}. I had no knowledge of this account and it was disputed to Transunion and  XXXX  on  XXXX   XXXX . It was removed by both Transunion and  XXXX . It reappeared under another collection agency name  XXXX  in  XXXX   XXXX . I was never notified by either Transunion or  XXXX  in writing this was being placed back in my credit report. I redisputed the items again with both companies and it was removed f or a 2nd tim e on  XXXX   XXXX . I looked at my credit report today and found that for the  3rd tim e on  XXXX   XXXX  this same collection account was added back to my report under the collector name  XXXX   XXXX . Once again I was never notified in writing after this was deleted that it was going to be added back into my credit file. I have no knowledge of this account and it is illegally being placed back into my file months after it was disputed and removed without my knowledge. As the consumer I should not have to keep filing disputes for this unknown account that was removed over a year and a half ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

Hello The debt is not mine, We cancelled the therapy and asked for a refund. Please see note. I am not responsible for this debt. The father was responsible through a court order. I don't owe this bill.
Product: Credit reporting or other personal consumer reports

I signed up on TomoCredit.com on XX/XX/XXXX to evaluate my credit profile and acquire a {$10000.00} trade line. However, I've been experiencing persistent issues with the verification process. Despite being told to wait 30 days or upgrade to the VIP package, the verification process continues to fail. Even after being advised to wait an additional 30 days before trying again, the verification remains unsuccessful. This would entail paying next month 's service fee, even though I haven't received any services. My information is accurate and up to date, so there seems to be no valid reason for the verification failures. 

Due to these concerns, I've asked them to close my account, refund my money, and remove my data from their system. However, I haven't received a response, and my account is still open with my information retained in their system. I'm worried that this could be a fraudulent service and want to warn others to avoid similar issues. Upon signing up, they gain access to all of your bank information to monitor transactions and insight into your bills and overall lifestyle. Despite the payment, they haven't delivered any services and have refused to issue a refund or address the problems.