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

I WOULD LIKE TO DISPUTE OFF THESE NEGATIVE ACCOUNTS ON MY CREDIT REPORT. 

XXXXXXXX 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 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 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 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 XXXXXX/XX/XXXX
Product: Debt collection

THIS COMPANY HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE/INACCURATE.
Product: Credit reporting or other personal consumer reports

Please remove these deceptive accounts from my credit report as I never authorized their use. Kindly eliminate this incorrect account.
Product: Credit card

I used an app once for {$100.00}. And I started receiving spam and my phone was corrupted to the point I had to get a new one. They charged over {$3200.00} to my account without permission and {$600.00} to my XXXX. I have put claims and have no heard a response. They have been spamming my account. I have changed my passwords. 
{$2300.00} XX/XX/year> XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I've recently submitted complaints only to get disrespectful responses from SoFi Bank. I recently emailed the CEO and general council with no response. I really would like my money or a sensible response why haven't I received my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

Furthermore, you have failed to provide the method of verification as required under XXXX USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 48 hours or less than 30 days stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates a reasonable investigation of disputes. Futhermore, Experian 's actions has also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take immediate action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 

Reported accounts : XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXX
Product: Checking or savings account

There were times my card wasnt read correctly, deposits didnt go through at regular times
Product: Credit reporting or other personal consumer reports

Never missed a payment until identity was stolen back in 2022. I recieved 3 late payments after reporting my card lost or stolen. Company helped me regain access to my card by mailing in documents confirming my identity. Company reopened card and said they would get the late payments removed which they did not. ive asked the company to do this seven times within the last year and still no results
Product: Vehicle loan or lease

The car had been wrecked and I was not made aware initially. Also I lost my income and had trouble making payments so the companys solution was to raise my payments instead of lowering them giving me the opportunity to try and pay them and keep from losing my car and all the money I had already paid on it. I wasn't giving the chance to remove my personal belongings before it was repossessed. I've applied for XXXX, have no income and haven't had steady income since I lost that car. I can't financially pay balance owed. I feel by them increasing my payments instead of lowering them they were forcing the situation to achieve a repossession. And didn't genuinely regard all the time and money I had invested in paying for the car and helping me to apply it off. I called and asked one time what was left o wed on the car and was told a higher amount that actually was owed. So this company had some shady practices and in the repo business
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, i have tried to get this resolved with equifax customer service and they have not been helpful in removing these fraudulent inquiries on my credit report. These are the lists of inquiries on my report that i did not authorize and want removed. 

1.XXXX XXXX XXXX 2.XXXX/XXXX 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX 5.XXXX XXXX 6.XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

recently pulled a copy of my credit report and noticed accounts that did not belong to me .please remove these accounts
Product: Student loan

i have an account being reported as AES/NCT and National Collegiate Trust on my credit report in derogatory status all of my loans are federal student loans and are being paid on time and current. this account reports monthly with a past due balance of XXXX ive called AES and verified that my loans are consolidated and AES has been paid in full prior to consolidation my loans were current. this is preventing me rom buying a home as its reported monthly derogatory and with a past due balance. its also based on the date past the statute of limitations i want it removed from my report i did not take out a loan with nct or national collegiate trust
Product: Checking or savings account

XX/XX/2021 Fee putting my account in negative {$11.00} I am not paying anything
Product: Debt collection

I received a letter from Scratch Services , Inc., a 'Notice of Default and demand for Payment '. This was supposedly about an XXXX XXXX # XXXX for {$10000.00}. The loan was apparently made by XXXX XXXX XXXX XXXX XXXX XXXX. This was the first notification I have received about this SBA loan, from anyone. I never applied for or received any funds from this loan. An SBA OIG complaint has also been filed. Complaint ID XXXX.
Product: Payday loan, title loan, or personal loan

I filed an original complaint against First Heritage Credit in XX/XX/2018 because they continued to contact me at work after I told them back in XX/XX/2018 to remove my work number and not contact me at the number again. They continued to contact me there on multiple occasions. I filed the original complaint, to which the company responded saying that no calls had been made since I instructed them not to back in XX/XX/XXXX. That was a complete lie. 

Today, XX/XX/2018 at XXXX XXXX, XXXX XXXX at the XXXX location of 1st Heritage Credit contacted me again at my work number. I asked her for her full name, which branch she was calling from and who her manager was. She provided this information. I asked to speak with XXXX, who she said was the branch manager. I asked XXXX why she was contacting me at work, after they have been told repeatedly not to contact me at that number. XXXX said he was not aware of her calling my work number and apologized. I asked why my work number was still in their system, as I had previously been told it had been deleted. He said he wasn't sure, made a reference about his DM that I didn't understand, and said he would make sure it was removed. I told him I had already filed a complaint with the CFPB and that I would be filing another one. I hung up with XXXX and then called XXXX XXXX, who wrote the response on behalf of 1st Heritage for the initial complaint. I told her who I was, what had happened that instructed her to get her XXXX branch under control. I also informed her that I would be filing another complaint with the CFPB. I then hung up. 

They continue to harass me and put my job in jeopardy. I want them fined this time around.
Product: Prepaid card

I received a AMEX Gift card back in XX/XX/2023. I've been unable to use this almost anywhere ; I've only succeeded twice. It keeps getting declined by the standard online retailers and is now also declined on previous XXXX purchases that have worked in the past. I've included the only two transactions I've managed to complete.
Product: Debt collection

- Loan Payoff check in the amount of {$11000.00} issued to BMO Harris Bank on XX/XX/2021 - A XXXX tracking receipt, # XXXX showing that the check was received by XXXX XXXX on XX/XX/2021 and signed for at the front desk by a person with the last name of XXXX I received loan delinquency notice on XX/XX/2021, followed by several harassing collection calls from XXXX XXXX in the weeks that followed. During each phone call, I explained to that person that they had the check and provided them with the check number, amount, and the XXXX tracking number showing that they had received the check. I received a second loan delinquency notice on XX/XX/2021, followed by the same harassing phone calls in the weeks that followed. 

I faxed a copy of the check and XXXX tracking receipt to XXXX XXXX, as directed by XXXX XXXX on XX/XX/2021. I emailed the same ( check copy and XXXX tracking receipt ) to " XXXX '', as directed by XXXX XXXX on XX/XX/2021 and on XX/XX/2021. 

Despite all of the above, and assurances by each XXXX representative that they would correct this situation, I still receive daily phone calls from BMO collections people ( latest was this morning at XXXX ) advising me that my loan is delinquent and that I would be reported to the credit reporting agencies if it remained delinquent on XX/XX/2021 - until I explain the situation to that person the situation, and then advised that they would be resolving the issue. 

The loan payoff issued as actually an overpayment of {$480.00}. XXXX XXXX actually owes me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance {XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX BANKRUPTCY XXXX XXXX  XXXX Amount - BANKRUPTCY CHAPTER XXXX XXXX Amount XXXX XXXX XXXX Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XXXX XXXX, XXXX Bankruptcy XXXX XXXX Amount : - Bankruptcy chapter XXXX XXXX Amount : Individual : Bankruptcy XXXX Amount - Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount Individual : Bankruptcy XXXX Amount
Product: Credit card

The Apple Card provided by Goldman Sachs and XXXX is a credit card that I have been using since it is easy to use Apple Pay anywhere. However, I have heard and experienced many issues when it comes to disputes. The Apple Card dispute team has refused to resolve many disputes not in my favor even though I have sufficient evidence. This has been going on far too long and Apple Card keeps randomly rebelling me these transactions so I have to go back and reopen the dispute since it is not my obligation. It is unethical to rebill me something from 2 years ago and this is what I want to get to the bottom of and resolve finally through this bureau. Please keep in mind this is ongoing so there are quite a few. 

Here are the following dispute transactions that the Apple Card has refused to resolve in my favor and keeps rebilling my account for : Merchant : XXXX Date : XX/XX/XXXX Amount : {$140.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX Date : XX/XX/XXXX Amount : {$90.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX XXXX  Date : XX/XX/XXXX Amount : {$110.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX Date : XX/XX/XXXX Amount : {$64.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXXXXXX XXXX Date : XX/XX/XXXX Amount : {$74.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$68.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX Date : XX/XX/XXXX Amount : {$25.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX XXXX Date : XX/XX/XXXX Amount : {$22.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX XXXX Date : XX/XX/XXXX Amount : {$110.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX XXXX Bar Date : XX/XX/XXXX Amount : {$19.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again. 

Merchant : XXXX XXXX Date : XX/XX/XXXX Amount : {$70.00} Action taken by Apple Card : Rebilled my account and forced me to reopen the dispute that they will most likely rebill again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, 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 so XXXX has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a subsidiary of XXXX XXXX mishandling of customer account XXXX XXXX has done damage to my credit that resulted in drastic decrease of my credit score in time when I need to refinance my home. It was done under sketchy circumstances, yet they will still not honor their agreement to help rectify the situation. 

Sequence of events that transpired during this event Below are  files that speak to the facts. 

In late XXXX I made a two-month payment on XXXX account, and the following weekend decided to trade up for XXXX. The amount was {$2100.00} paid on XX/XX/XXXX. 
Payoff quote that customers can generate in XXXX XXXX portal did not reflect this payment even weeks later. XXXX manager and I worked with the assumption that the payoff is as stated in XXXX portal : {$49000.00} On XX/XX/XXXX the deal with XXXX was finalized, and the manager told me the great news ; as XXXX was working with XXXX on balance, they discovered the pay-off was lower {$47000.00} as reflected in the purchase agreement. Something to the fact that dealer pay-off is typically less than customer pay-off, but the difference above considers with my XXXX payment. 
In mid-XXXX I did receive a check for the difference : {$49000.00} ( XXXX balance ) - {$2100.00} ( my XXXX payment ) = {$47000.00} ( Payoff amount confirmed via dealer payoff ) XXXX contract due to XXXX {$47000.00} ( Trade-in balance on XXXX purchase order ) - {$47000.00} ( paid to XXXX ) = {$100.00} ( overpayment for which I received a check for ) Subsequently XXXX XXXX account was closed Between XX/XX/XXXX and XX/XX/XXXX Equifax, XXXX. 
In XX/XX/XXXX and XX/XX/XXXX, I kept getting calls from XXXX about late payment, but considered it to be out of sync systems, and took no action until the late payment was reported to me via mortgage lender, I was negotiating home refinance with. 
Somehow XXXX has reopened my account : Between XX/XX/XXXX and XX/XX/XXXX, your XXXX XXXX XXXX automotive account balance increased by {$2100.00} from {$0.00} to {$2100.00}. 
This resulted in even more negative effect on my credit score as the amount I owe increased during the time I was refinancing my home, and the lender of my choice pulled out. 
I reached out to XXXX via XXXX XXXX portal messaging, then talked to their rep, they told me there was discrepancy in pay off amount and that I need to work with XXXX to provide additional payment and when done they will remove derogatory remarks from my credit report. 
I did all this ; XXXX provided the additional payment XXXX had requested and when I reached out to XXXX again asking for the removal of derogatory remarks, they responded with a canned reply that I should send in a written request to them for rectify the issue. 
I grew tired of dealing with this and decided to pursue other actions to raise awareness of misconduct on XXXX XXXX part and what they do to their once loyal customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the credit bureaus to eliminate several errors from my history, to date, I have not received a minimal response from them
Product: Credit reporting or other personal consumer reports

Dear Sir/Maam I am writing to formally request the removal of my credit account information from your records, in accordance with permissible purposes as outlined in relevant privacy regulations. 

*Grow Credit IncXXXX XXXX Permissible Purpose Justification : I am invoking my right to request the removal of my credit account information based on permissible purposes, as provided for in [ relevant privacy regulation or law, e.g., Fair Credit Reporting Act ( FCRA ) ]. The grounds for this request are [ briefly describe the specific permissible purpose, such as the closure of the account, completion of the credit reporting purpose, or other relevant justification ]. 

Please find attached any necessary identification or documentation to facilitate the efficient processing of this request. I anticipate that the removal of my credit account information will be completed within the timeframe specified by the applicable regulations. 

I appreciate your prompt attention to this matter and trust that the removal of my credit account information will be conducted in accordance with the relevant privacy laws.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX Employer - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 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. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!