23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX you should not be reporting anything about a re-investigation Your statement on the consumer credit file should appear like this consumer dispute meets FCRA requirements is what the law tells you what you should and must report plain and simple Only the credit bureaus and only equifax per their website should place anything about a Re-investigation and you know this. After speaking with an attorney she tells me the reason the YOU and YES I USE YOU is that some credit scale will over look the dispute marks and thats your way of not enter the remarks. You didnt do anything and thats why you are guilty as here is what I found to be true. Equifax does it self if you did do this why didnt you do this with XXXX and XXXX I tell you why is Equifax is the only bureau thats enter what you claimed you deleted. I dont want to sue you but this one wouldnt be hard at all to get you!! Remove the 1 account on Equifax And remove 2 accounts from XXXX and XXXX today When you file a credit dispute with XXXX, XXXX, -4.98 % the agency reaches out to the entity that provided the information. Typically, thats the creditor. 

The business that provided the information in question has 30-45 days from the date you submitted your request to respond back. In some states, the time limit may be shorter. 

When XXXX receives a response, it notifies you of the results of the investigation. If it doesnt get a response in the allotted time, XXXX will correct the disputed information as you requested or delete the disputed information. During the investigation process, XXXX does not add a comment, note or any other indication of a dispute on your credit report. 

XXXX dispute Fuel for Investing Smarter Make the smartest investment decisions with access to XXXX XXXX in-depth analysis and unrivaled market predictions -- all conveniently accessed on XXXX. Limited-Time Offer : {$12.00} for 12 Weeks. 
LEARN MORE XXXX XXXX, -2.49 % also follows up with the entity that reported the information. Based on the information you provided and the information provided by the creditor, the bureau makes a decision about the dispute. 


Advertisement How long does a dispute take with XXXX? XXXX usually finishes an investigation and provides you the results about 30 days from the receipt of your dispute. But the company recommends preparing to wait for up to 45 days. 

XXXX does not note your credit file when an investigation is in process. It will change the disputed information as you requested if the creditor does not respond in a timely manner. 

Equifax disputes Equifax EFX, -3.03 % notifies you of the results of a dispute within 30 days. On average, disputes are resolved within 10 days. 

Unlike the other two agencies, Equifax does indication an item is under dispute on your credit report during the investigation. 

Also see : Equifax says it will work with lenders, creditors to help reduce the impact of the coronavirus crisis on U.S. credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I located some negative accounts reported on my credit report, and decided to request an investigation process pursuant to section 611 of  the FCRA. After I sent my first set of disputes dated XX/XX/2020, I received a 1 document only from XXXX stating that, the letters were ineligibles, so on XX/XX/2020 I re-submitted all of the initial letters, and it is now XX/XX/XXXX, and I have yet to receive anything from either 1 of  the Credit Bureaus. Please note that I am in the process of buying a home, and the investigation, and response of these are extremely important. At this point, the credit reporting agencies are in violation of section 611, and 623 of the FCRA.
Product: Money transfer, virtual currency, or money service

-On XX/XX/22, the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX email was hacked and all of the company 's emails started to be forwarded to the hacker 's email address. The hacker started replying to the email correspondences between myself and XXXX XXXX XXXX XXXX on XX/XX/22. I had agreed to lease an apartment from this company in XXXX ; the hacker instructed me to XXXX XXXX$1800.00} to the hacker 's XXXX account on XX/XX/22, however, they were replying to me through the email correspondences between myself and XXXX XXXX XXXX  XXXX ( Thus I had no way of knowing that a hacker had intercepted our email correspondences ). 
XXXX XX/XX/22, as instructed, I completed a XXXX money transfer in the amount of {$1800.00} to the XXXX e-mail address provided to me by email by, who I thought was a representative of XXXX XXXX XXXX, XXXX XXXX 
-On XX/XX/22, I got ahold of the owner of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX by phone, and was informed of the hacked activity on the company 's e-mail address. 
-On the same day, XX/XX/22, I opened a case with my bank, Chase , concerning the fraudulent charge, and was told the {$1800.00} would be refunded to my account. 
-When I called Chase on XX/XX/22 for an update on my case, I was informed that the case was closed, as Chase determined independently that the XXXX transaction was not fraudulent solely by looking at the electronic token, and they had opened a case with XXXX and that I could call back in 10 business days for an update. 
-I called XXXX myself on XX/XX/22, and was informed that XXXX does not handle cases like this, and no case was opened with them by Chase XXXX as I had been falsely told prior by Chase XXXX XX/XX/22. 
-When I called Chase again on XX/XX/22 for an update on my case, I was again informed that Chase determined independently that the XXXX transaction was not fraudulent solely by looking at the electronic token, and that I was to be responsible for the {$1800.00} XXXX payment and Chase was not going to follow-up further. 
-This transaction was fraudulent and NOT AUTHORIZED by myself, however, Chase maintains that because the " electronic token matches up, '' that it was not fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent a request to The 3 Consumer Reporting Agencies reporting inaccuracies listed on my COnsumer Report. In XX/XX/XXXX, XXXX acknowledged the errors and deleted the inaccurate accounts from my consumer report. 

Incompliance with the FCRA 611 ( a ) ( 5 ) ( d ), Consumer reporting agencies use a ACDV ( automated consumer dispute verification ) system, there is a feature designed to provide consistency in consumer reports across the various reporting agencies. The Automated Carbon Copies feature was designed to have any changes, deletion be communicated to the various reporting agencies. I requested that XXXX and Transunion review the deletions processed by XXXX and update my consumer report with said information. Not sending the Automated Carbon Copy is in itself a violation. I attached the initial credit report from XX/XX/XXXX and the modified consumer report from XX/XX/XXXX showing the deletions. 

XXXX XXXX - Acct # XXXX XXXXXXXX XXXX - Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have provided Evidence to Experian, XXXX, and XXXX of my identity being compromised. I have pointed out several reporting errors on my credit report and the 3 Bureaus has consistently ignored my consumer rights. I feel the credit bureaus has lost reporting integrity and needs to Reprimanded for not upholding the Credit laws in place for consumers. Inaccurate reporting is against the FCRA laws, in which they are not following.
Product: Checking or savings account

On XX/XX/22, I deposited a check written for me from my college XXXX account ( XXXX XXXX XXXX XXXX ). I was advised that the check would be held until XX/XX/22. When I could finally access the check when it posted on XX/XX/22, I realized my account had been frozen ( no notification from my bank Truist ). 
I went to my local branch and was advised the check was marked as fraud and needed to be investigated. It has been 4 weeks to the day now as today is XX/XX/22. NOTHING has been resolved. I have been told to provide proof that the check was for me, which I did get documentation from the XXXX  XXXX XXXX XXXX and submitted it over two weeks ago. 
I had multiple 4 way phone calls between me, the account holder for the XXXX plan ( my Aunt ), a rep from the XXXX  XXXX XXXX XXXX, & a Truist Fraud Rep. Yet, they say call back in 1 more business day or 3 more business days just for nothing to be resolved. I havent been able to access ANY funds in my checking account as my whole account is frozen. I can not pay any bills nor access direct deposit from my employer. All of my bills companys are charging me late fees as well as returned fees. It is ridiculous and Truist is no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. DEPTEDXXXX  XXXX {$6300.00} XXXX  XXXX {$760.00} XXXX  XXXX  XXXX {$63.00}
Product: Credit reporting or other personal consumer reports

I do not recognize these hard inquiries on my report and can not confirm they was me
Product: Credit reporting or other personal consumer reports

I am writing this to tell Experian to update inaccurate late payments on credit report and it shall be marked as ok and or never late. 

Account name : XXXX XXXX Account # XXXX The month of XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 All shall be marked as Ok and or paid on time.
Product: Credit reporting or other personal consumer reports

Personal request to ensure that NO INACCURATE, INCOMPLETE, or BIAS DEROGATORYinformation is reporting on my Consumer Credit Report and that any such information due to result of identity theft, ESPECIALLY THOSE PREVIOUSLY BLOCKED and DELETED by other CRAs, are immediately deleted from my file. 



XXXX is fraudulently reporting student loan accounts to my credit profile. XXXX has been found guilty for deceptive and predatory practices, including reporting inaccurate account information to the three major CRAs, XXXX, XXXX, and Transunion. There are several XXXX  accounts that MUST BE REMOVED from my credit profile immediately! My request to block is not being made in error ; nor is my request being made on the basis of misrepresented material facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me, as the consumer. 

It is unlawful, and a DIRECT VIOLATION of several FEDERAL laws and statutes to report inaccurate, misleading, or factually invalidated information. I have been made aware of the following accounts that can not be verified and it must be immediately BLOCKED and DELETED from my credit profile. I have completed and filed an FTC IDENTITY REPORT and attached the document to the complaint filed and delivered via CFPB communication portal to the 3 CRAs, XXXX, TRANSUNION, and XXXX. ( See documentation attachments )
Product: Mortgage

I am trying to get a home improvement loan with my XXXX XXXX. they aproved the loan, but then came back to me saying fith third bank had a mortgage on my home that had not been XXXX. I had refinanced with XXXX XXXX in XXXX OF XXXX AND THEY SENT THE MONEY TO PAY OFF XXXX XXXX THEN. I have been getting mortgage loan statements from fith third since then showing a zero balance. when i called them about this in the beginning of XX/XX/XXXX they said there was a balance of {$130.00} but they could not tell me what they were for or why they were not included in the pay off in XX/XX/XXXX. At the end of XXXX they waived the fees but did not close the account. I did not find this out until mid XXXX when they said will close the account. since then they have sent me letters quoting an older mortgage and a letter saying an account with a different number then the one i was having a problem with was paid off. On XX/XX/XXXX they said they would fax a letter to XXXX XXXX XXXX XXXX saying that they have discharged the mortgage that has not happened yet. I just what to get this resolved and to get a letter from them shoeing that they do not have a lein on my home, thank you
Product: Credit reporting

XXXX XXXX reports my Equifax score as XXXX. A lending institution pulled my credit score from Equifax and it came back XXXX. XXXX XXXX told me that different institutions use different models to arrive at a score. Equifax does n't have a means for me to ask them about it. This difference is causing me problems. An explanation or resolution would be helpful.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from US Auto Sales, in XXXX of XXXX. The car had a manufacturers recall on the engine, in which myself and my Husband received the notice for in the mail. In XXXX of XXXX unfortunately US Auto went out of business, and my car was taken in to my local Kia dealership for the recall work needed. Its actually a fire hazard issue. None the less, upon my car having to sit in the line of cars at Kia for over two months to get started on, the service Manager informed me that the recall work wouldnt be covered, because in XXXX US Auto didnt get the recall work done then. So XXXX  refuses to do it. The cost would be thousands of dollars. Had US Auto still been in business, I would have gone to their dealership and they would have had to put me in another car, or FIX the issue!!! I literally have payed on this car since XXXX. I experienced them turning my car off on me when I was out of town and stranded on the last for a day late payment after communicating with them. XXXX XXXX XXXX has taken over their accounts, but are of no help. My car is still sitting at the XXXX  dealership since it cant be fixed. I requested a voluntary repo and they havent gotten the car yet! I am at a cross roads and need help knowing what my next move should be. I am willing to speak to whoever about this and provide whatever documentation needed!!!
Product: Mortgage

I read that you successfully sued Ocwen Mortgage yet they are still using the same tactics. My loan was sold over and over during the housing crash of XX/XX/2008. I can not remember the name of the company that sold out and gave my loan to Ocwen. The previous company and Ocwen, will not stop these late fees from being on my account. Now they no longer will allow me to pay my mortgage payment without charging me because they put that I owe {$2000.00} in fees due to them never allowing me to change date my loan payment which was originated with another mortgage company. I have been charged at least {$7.00} a month for years to make a payment! Ridiculous. They will not modify the date. My husband was seriously injured in XX/XX/2010 and is now XXXX   XXXX. I could not make the payment on the 1st of each month, I had to wait until I got paid at the end of the month and so they added even more late fees. You can not win for losing with this company. Everything you sued them for they are still doing. I did not get any compensation or letter from Ocwen about the lawsuit with your company. I do not understand how they are allowed to do what they do to consumers because it is so criminal and appalling. Due to my husband 's injury it ruined our credit and I can not find another company to service the loan, unfortunately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX processed my monthly payment incorrectly without my knowledge and as of result reported me late tot he credit bureaus. I made my monthly payments and for 2 month they were applying a portion of my payment to excise tax without my authorization- they paid the tax with the money from the regular payment and as of result my credit score has significantly been impacted i called and submitted a dispute but they refuse to remove it from my credit score - once i got an alert i called them and immediately paid everything to bring the act current.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

3. Identity Theft ALLY FINANCIAL Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

On XX/XX/year>, Consumer XXXX XXXX XXXX deposited {$4000.00} of which {$1000.00} were from U.S Postal Money Orders and {$3000.00} was a Negotiable Instrument. It was approved and reflected in the balance of account # ending XXXX. I checked this morning and the account reflected a - {$690.00} taking away all of my lawful deposits. It shows a pending check hold of {$2100.00} until midnight tonight. The negotiable instrument was denied claiming that it is an altered document that makes no lawful sense. I asked what's altered and wasn't given an answer. They also refuse to give me back the original negotiable instrument so they can trade and cash it in for 10 times more. ( Modern Money Mechanics ) The Constitution does not give we, the people rights. It forbids the government to ignore the God given Rights of the people, as seen in the 9th Amendment : The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people. In addition, the 10th Amendment : The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people. There is no law to discourage the people from creating credit instruments. In fact, by the 14th Amendment, 4, we need to. We must Accept For Value, the debt instruments/legal tender of the United States . As long as the debt exists, the Democracy exists. The Republican Form of Government, The United States of America, can only come back when the debt is gone. Since Federal Reserve Notes ( FRNs ) as legal tender are debt notes, an insufficient number exist, for their repayment in kind, will not cover the interest owed. Using FRNs to pay debts only increases the government obligations on debt by their creation.
Product: Checking or savings account

I was duped into buying a XXXX premium membership. I had no clue about. I never even used it not once never even opened. It didnt even know I had it didnt authorize it. PayPal says it is within my purchase history or something that seems like I couldve because of my purchase history, Ive never bought XXXX before in my life or any other subscription for that matter on PayPal because thats my business account, not a business transaction
Product: Credit card

I applied for and was approved for the U.S. Bank XXXX XXXX Credit Card on XX/XX/XXXX, which included a XXXX bonus mile offer after meeting a specified spending requirement. 

I activated and started using the card on XX/XX/XXXX, and met the required spending within three months as per the promotional terms. I expected the XXXX bonus miles to be credited in my statement after fulfilling the spending requirement, but they were not. 

I waited for the next statement, but the miles were still missing. On XX/XX/XXXX, I contacted U.S. Bank customer service to inquire about the missing bonus. The representative informed me that I was ineligible for the bonus due to a new rule restricting previous cardholders from earning the bonus again. 

When I applied for the second card in XX/XX/XXXX, there were no publicly stated restrictions on earning the bonus again. U.S. Bank never communicated this policy change during my application process. This restriction was not disclosed at the time of my application. I met all spending requirements in good faith, expecting to receive the advertised reward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following inaccurate information against XXXX XXXX XXXX. I have leased with XXXX twice. The second lease I was eligible for early lease due to a promotional offer at the time. I started a new lease in XX/XX/2017 and was assured that since it was the beginning of my lease, my payment dates will not be affected. On my credit report they reported me for a late payment in XXXX when in fact that was inaccurate. I paid twice in XXXX and was early for XXXX payment. They had a glitch in their system and they failed to notify me. I notified Experian and filed a dispute, but unfortunately they couldnt do anything and advised me to reach out to XXXX. So I reached out to XXXX and they mentioned it was a system glitch and also mentioned I was always on time with my payments. Because my account is closed and paid I full, they can not remove the late payment on my credit report. 

Enclosed are copies of my payment history and you will see that I made two payments in XXXX and in XXXX.
Product: Credit reporting or other personal consumer reports

Request for Removal of Inaccurate Late Payments from Credit Report To Whom It May Concern, I am writing to dispute and request the immediate removal of inaccurate late payments listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1666 ( b ), and the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to have accurate information reported on my credit file. The late payments in question are inaccurately reported on my credit file and do not reflect my payment history accurately. I assert that I have never been late on any payments, as I have always been enrolled in autopay for all my accounts. The fact that a bill may have been sent to my address does not constitute proof of a late payment. The reporting of these inaccurate late payments violates my rights under the FCRA, as they do not reflect my true creditworthiness. Additionally, the reporting of false late payments may constitute a violation of the FDCPA, as it misrepresents the status\ of my accounts : XXXXXXXX XXXX  account, account number XXXX Specifically, late payments were reported for the months XX/XX/year> Furthermore, the Truth in Lending Act ( TILA ) requires accurate reporting of credit information to ensure consumers are treated fairly and have access to credit based on accurate data. I demand that all late payments currently reported on my credit file be updated to reflect 100 % on-time payments, as per my true payment history. Failure to do so constitutes a violation of my rights under the FCRA and other consumer protection laws. I request that you investigate this matter promptly and provide me with written documentation of the removal of these inaccurate late payments from my credit report within 30 days