23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

We applied for and received and unsecured loan of {$8500.00} from PNC Bank. When we closed on the loan, the APR and Finance charges showed 0.001 % and {$0.00} ; respectively. Days later, I get a call from the bank asking me to return to sign new disclosures as the APR and Finance charges were incorrectly stated and they admittedly stated this was their error. PNC stated the rate would increase to 9.9 %. I politely refused and told PNC to stand behind and honor the original APR and finance charges listed in the disclosure. I even pointed out some of the regulations outlined in TILA. I ended up speaking with the branch manager ( XXXX XXXX XXXX who told me that I would most certainly face legal sanctions if I did n't come in to sign a new disclosure, once they had corrected their mistakes. They also suggested that I immediately repay the loan and reapply for another loan. I still refused and told them I would agree to the terms outlined in original the disclosures and loan paperwork ; as such, promising to repay the loan at the agreed ( in writing ) rate. The branch manager then attempted to guilt me by staying the employee who closed the loan would be disciplined and said it was, " collateral damage ... I guess ... ). Now comes, this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax regarding the following incorrect account details : 1. Account Name : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} 2. Account Name : XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} 3. Account Name : XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} I have not received any response from Equifax regarding these matters to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Mastercard credit card account opened at the XXXX and activated on XX/XX/XXXX ( see first card statement attached ). However Experian only report my XXXX card account since XXXX ( see latest credit report ). I am therefore missing three years of duration in the account history. I have maintained since XXXX my XXXX Mastercard payments in good standing with XXXX past due. As the older the better for an account in its score computation I deserver a fair treatment and all the months be taken into consideration, appearing in full in my report since XX/XX/XXXX.
Product: Debt collection

I have a debt for XXXX XXXX. I have lived in the same place since XX/XX/2021. I have never lived anywhere else. I have FTC REPORT for this. Ive also filed multiple disputes with credit bureaus and submitted FTC identity theft report and they are still not removing it.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase is taking 7 days or more to apply payments to the available credit. The timing is happening like this : Day XXXX : Payment is made onlineDay XXXX : Money is withdrawn from my checking account. 
Day XXXX : Payment is shown online and current balance is updated. Available credit is not updated. 
Day XXXX : My bank confirmed that the funds were deposited to Chase. 
Day XXXX : Available credit is finally updated. 

I was told by customer service that the available credit is updated once funds are confirmed. With funds deposited into their account by day XXXX, there is no reason it should take longer to update the account. All of my other credit cards update within 1-3 days. Chase is the only CC that refuses to update in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax by certified mail asking them to validate a XXXX XXXX charge off account that is listed on my credit profile. The company fails to validate the debt with the company because XXXX XXXX can not product the original loan documents that I have requested them to provide me with.They continue to ask for additional information, however, I gave them the account number as it is listed on my credit profile as well as my first and last name, mailing address, and social security number. They continue to ask for additional information. I requested Equifax to validate that the information is indeed mine and listed correctly on my account. The say that they validated that the debt is indeed mine and it continues to report on my credit profile but XXXX XXXX can not forward the documents necessary to validate the account. The continue to aid XXXX XXXX in violating the fair credit reporting act on multiple occasions. The account is not mine and it is listed on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 for my personal loan. Account number XXXX. 

When I paid this account in full and on time. I have my bills on autopay and when I checked my credit report months after the incident my credit score has taken a massive dip. I did not receive any follow ups from affirm about warning me close to my payment date and so I was in the impression that I didn't miss any payments and everything was paid on time and full until I saw this report on my credit report. 

XXXX is infringing my privacy and showing this report to market to other lenders and during the investigation, was not able to show me the proof of CONTRACT with my signature that was made between me and Affirm. According to the consumer laws information that is inaccurate and unverifiable must be deleted items from my consumer report immediately. XXXX has blatantly broken THE CONSUMER LAWS. 

( AFFIRM INC ACCOUNT : XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX credit card account that became charged off and was later pursued as a collection account by XXXX XXXX XXXX XXXX. I have since been able to address this account through XXXX and they have deleted the negative reporting associated with this account. The XXXX XXXX account is still showing as carrying a balance. I have attempted to correct this reporting via the fair credit reporting act and contact with the creditor. XXXX XXXX responded that they had sold the account to XXXX and were no longer reporting it. A recent home loan inquiry still reports this account with a delinquent balance. I have included the notices I received from XXXX XXXX XXXX XXXX XXXX verifying the debt and payment. 



I would like this account deleted from my credit history.
Product: Mortgage

XXXX XXXX XXXX is the company, i have paid XXXX dollars on a XXXX dollar loan. 

after 18 years of payments they are trying to foreclose on my home..they will now even talk to me about my load ... .i hve file complaints in XXXX and XXXX the frist company was XXXX/XXXX XXXX XXXX ... for perdatory lending.. my rates was XXXX then in the year XXXX it was handed over to XXXXXXXX XXXX XXXX XXXX. then in XXXX it was handed to XXXX XXXX XXXX 1 i have maid all of my payments but they are trying to forclose on my home ... 
please i need help to keep these people from talking me home. 

i am XXXX yeare old been married for 40 years, my health is not good was told i have XXXXXXXX XXXX ... about three weeks ago.. 
and i am a veteran i do not want to be homeless.. 
XXXX bless,
Product: Debt collection

This company sued me in the state of Georgia without notifying me. I was not properly served and Georgia being the horrible state that they are let this happen. I looked up some reviews for XXXX XXXX XXXX and they are re-aging credit and falsely signing served paperwork in defendants names. I had 2 credit card accounts that are still on my credit report from the original creditor Comenity Bank. I had a contract with XXXX XXXX through Comenity and was enrolled in a program that offered account protection services. Not only did Comenity and XXXX XXXX deny these services after paying for it but they handed my bill to second round. The services was suppose to provide me relief if I involuntary lost my job through the company XXXX  XXXX. I was wrongfully terminated during the time I had these accounts and I even won a lawsuit for wrongful termination. After settling the wrongful termination with my previous employer, comenity still refused to take responsibility and contact XXXX XXXX XXXX regarding my account. It's been 5 years and they still refuse to fix any damages to my credit report. They also charged hidden interest fees in which they were sued for and yes I was one of the many people who was part of the class action lawsuit with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited a dispute on XXXX for 4 accounts. XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX. A response was sent back as accurate. I then sent another letter on XXXX asking for a method of verification. According to the FCRA, the credit reporting agency is required to give a method of verificatin within 15 days upon request. Never received it. Im asking that all items be deleted. they are clearly in violation of the law.
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following current and collection accounts listed on my Experian, XXXX XXXX and XXXX  credit report are fraudulent accounts: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These are fraudulent accounts and not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA says you have a duty to investigate. The XXXX Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency XXXX CRA XXXX counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!!! 

PLEASE REMOVE TGHE ACCOUNT IMMEDIATELY!!!!!! CONTINUING TO UPDATE THESE ACCOUNTS IS A CLEAR VIOLATION!!! 


XXXX DELAWARE INC/SJ500061INACCURATE ACCOUNT! REMOVE IMMEDIATELY! SECURITY FINANCE3INACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXNACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX FCU403216INACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATEL! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATELY! 1XXXXHIPPA VIOLATION REMOVE IMMEDIATELY!
Product: Debt collection

In XXXX of 2021 I started to sell one of my properties and was told that a lien was placed on my property by an attorney 's office representing XXXX XXXX XXXX, XXXX. During the process I discovered an account was opened that was due to fraud. XXXX did not handle the matter in a timely fashion thus causing the real estate deal to fall apart. It took them several months to right their wrong when I had proof to show it was not my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX- this account is ran as a charge off but i never received any of the 1099 cancellation of debt form which makes this account inaccurate and has to be removed.
Product: Debt collection

I don't recall having a contractual relationship with this collection company FAIR COLLECTIONS & OUT. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Money transfer, virtual currency, or money service

I used the XXXX system to make a payment of {$61000.00} on XXXX XX/XX/XXXX from my personal account in the XXXX to a US company for medical treatment. The US company is a customer of CapitalOne NA. 

Unfortunately, the account I sent the money to have been closed previously which should have meant that the money bounced back to my account automatically. However, this did not happen. 

My bank advised the first step was to establish the location of the money using a XXXX XXXX. 

The XXXX XXXX was actioned on XXXX XX/XX/XXXX but it was ignored. It was chased on XXXX and XXXX XX/XX/XXXX but these attempts were also ignored. 

When I contacted CapitalOne NA on XXXX XX/XX/XXXX via XXXX messaging using the account @ AskCapitalOne as I could not find any other route, they said XXXX XXXX 's to reach out to the sending bank for an assist. On XXXX XX/XX/XXXX, the same account said we recommend working with your bank to determine the best course of action. 

On XXXX XX/XX/XXXX CapitalOne responded asking my bank to provide a Recall Request and saying FUNDS WERE APPLIED PER YOUR INSTRUCTIONS TO AN INCORRECT ACCOUNT. This is not correct. @ AskCapitalOne confirmed on XXXX XX/XX/XXXX that CapitalOne does not recycle closed account numbers, so the funds have not been applied per my instructions as the money can not be paid into a closed bank account. 

On XXXX XX/XX/XXXX my bank started the Recall Request to ask for the money back. CapitalOne NA ignored this. They also ignored chasers on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

I also have the result of a XXXX XXXX tracker which shows that CapitalOne NA received my money. 

To summarize, CapitalOne NA did not follow the original XXXX instructions, has refused to discuss the matter with me and ignored my banks attempts to resolve this and as a result have kept my money for medical treatment since XX/XX/XXXX.
Product: Debt collection

This account was settled and paid with XXXX XXXX  on XX/XX/16 in the amount of {$230.00} with a XXXX Representative by phone. Not only has the debt been paid, it also is reporting inaccurate on my credit report showing a balance of {$160.00} with an incorrect Credit Limit Amount {$230.00}. I have asked the Collection Agency to show validity of the debt as well as asking the original creditor to show me proof that this account is reporting 100 % accurately. I have sent these request into the Credit Bureaus, Creditor and Collection Agency and still no response or the items requested returned back to me.
Product: Checking or savings account

Was in auto pay program with XXXX XXXX XXXX. The autopay was set up and schedule to be paid on 30 of every month.. XXXX did and always had there money on the 30th.  The problem lies with Bank of America not removing the funds in till days later when myself and wife think its already bern removed.. Month after month BofA did this on my account which should not be permitted..
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX {$210.00} BALANCE XXXX XXXX Date opened XX/XX/XXXX {$350.00} BALANCE XXXX XXXX Date opened XX/XX/XXXX {$150.00} BALANCE XXXX XXXX Date opened XXXX XXXX, XXXX XXXX XXXX Date opened XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of tXXXX  in persons or XXXX XXXX  if the consumer has provided XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 XXXX XXXX XXXX [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX  ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 

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

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

XXXX XXXX XXXXXXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXX acct # : XXXX XXXX XXXX XXXX acct # : XXXX 15 U.S.C 1681 section 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I Reviewed my consumer report and noticed that I had two payment on my account that I was never late for. The consumer reporting agency have assumed a vital role and has a responsibility to Report consumer information to the best of their ability with maximum accuracy.i I have never been late on my payments for the amount that I have included a screenshot of inside this complaint on data of XX/XX/year> please investigate and provide proof with a statement showing that these payments were late. If proof can't be provided I Demanded these payments be updated to be paid As agreed on time as they should be done to face I was never late. Thank you. Please see the screenshot attached.
Product: Credit reporting or other personal consumer reports

TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On three separate occasions, I have disputed incorrect XXXX information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XXXX : I submitted my first dispute regarding the incorrect XXXX  information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 

- XXXX  : I filed another dispute, and on - XXXX than XXXX hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. 

Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 

- XXXX : I made a third attempt to dispute the XXXX record. 

On XXXX XXXX XXXX XXXX, I received yet another email indicating that TransUnion investigated the public record and found no changes. 

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect XXXX  record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The XXXX record in question belongs to my father, who has a similar Social Security number and previously lived at my address. I have never filed for XXXX, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

Sincerely, XXXX XXXX