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

I got an email from American Express ( AMEX ) about a personized offer as below : " We disclosed an incorrect Annual Membership : When you accepted the online upgrade to the Hilton Honors Aspire Card, we disclosed incorrect terms for the Annual Membership fee. We sincerely apologize for any confusion this may have caused. We want you to come back : To make things right, we'd like to invite you back to Hilton Aspire - we'll honor the terms you accepted of {$0.00} Annual Membership fee for the first year and {$95.00} for the second year. What happened : The Annual Membership fee terms you accepted were incorrectly disclosed. What we did about it : We will honor the terms you accepted {$0.00} for the first year and {$95.00} for the second year. On or after XX/XX/XXXX, your Annual Membership fee may be increased to the current fee for the Hilton Honors Aspire Card at that time. If so, you will receive a notification before your Annual Membership Fee is increased. Next Steps : If you'd like to take advantage of this invitation, please call us by XX/XX/XXXX at XXXX - XXXX - XXXX and share this personalized offer ID, XXXX. '' The email title does not say I need to take actions on this offer. It is easy to mistakenly assume this would be done automatic. However it turned out that I need to call them. As a result, the card is still not upgraded, and they now refuse to honor the offer.
Product: Vehicle loan or lease

Harley Davidson Financial Services is not honoring the provisions of the CARES act in accurately reporting my account to the credit bureaus, making it very hard to obtain a home loan as my credit dropped 112 points due to them not honoring the deferral agreement made on XX/XX/2020 and reporting me as 30 days late for XXXX. Today I was told going into XXXX, my account was showing a due amount of my regular {$740.00} and no P and I past due, I was told this by XXXX, a supervisor. But the payment agreement wiped out the XXXX and XX/XX/2020 payments. My next payment was due XX/XX/2020 which was my fulfillment of the arrangement which was made on time and as agreed, plus extra. Under the CARES act, they are to report my account as current as long as I fulfill the obligations of the agreement. On XX/XX/2020 they reported me 30 days late for XXXX to the credit bureaus, however I was not due for a payment in XXXX but had already made payments in XX/XX/2020 totaling {$1100.00} and XXXX totaling {$1100.00} ; {$370.00} of the XXXX payment was a buy in to the deferral agreement.XXXX  wanted to argue with me that despite my test, COVID-19 did not become an issue until mid to late XXXX. Not sure where he is, but that is not true, I can personally attest to that. I have never been 30 days past due per a review by my attorney and a forensic accountant. I am NOT represented in this matter by either. 
I can not control a non-at-fault accident that required XXXX  and COVID-19, but HDFS seems to think I can and wants to punish me.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has fictitious reports about my credit and when I disputed them they dropped my score even lower! 
The other two credit agencies show my credit in the seven hundreds while Equifax dropped me to XXXX. I was injured in XXXX and incurred medical bills causing me to lose my house, my job and my wife divorced me. Im getting my finances back on track, but Equifax keeps ignoring my complaints. What is going on with Equifax? They are ruining my credit and making it impossible for me to get back in good standing.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for its failure to properly investigate disputes regarding inaccuracies in my credit report. Despite providing detailed evidence supporting my claims, Experian consistently responds within 24 hours stating that the accounts are accurate without offering any indication of a thorough investigation.

This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation when consumers dispute information in their reports. Additionally, Experians conduct may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against Experian for similar violations. 

The CFPB 's lawsuit rightly points out systemic issues, including Experians failure to forward consumer-provided evidence to furnishers, acceptance of unreliable furnisher responses, and inadequate notifications to consumers. These are critical concerns that mirror my experience and undermine consumer rights. 

Despite my numerous attempts to resolve these inaccuracies, Experian has failed to correct or remove the disputed items, causing ongoing harm to my credit standing. I respectfully request the CFPB 's intervention to ensure Experian complies with federal law and provides the necessary evidence of a reasonable investigation. I am seeking immediate corrective action to remove or amend the disputed accounts as Experians inaction violates my rights as a consumer. 

Thank you for your time and assistance in addressing this matter.
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 Equifax credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. XXXX  XXXX XXXX Balance : {$2100.00}
Product: Mortgage

i send a cashier check for {$15000.00} XXXX XXXX XXXX to pay off my house but on XXXX XXXX XXXX my check was returned so I call to ask why they told me I didnot send enough money so i ask them how much more they needed they said they could not tell me and I would have to request a payoff amount they could not mail it or tell me over the phone it had to be mailed I received it on XXXX XXXX for XXXX more and a late fee i asked them how much was due on XXXX when they received my they would not tell me so I have been charge XXXX days of interest and a late fee on a house that should have been paid off
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, two accounts on my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

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 an account without my written instructions. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These inaccuracies are stopping me from providing a home for my family.
Product: Debt collection

On XX/XX/2021 I entered a consumer credit transaction with WELLS FARGO AUTO and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are now claiming that they originated the credit I extended to them, in which I submitted a {$1000.00} down payment, my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that WELLS FARGO AUTO claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. WELLS FARGO AUTO has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed an account with XXXX and submitted documentation showing that the account was paid in full and settled on XXXX XXXX. On XX/XX/2018 the account came back from XXXX XXXX reporting that the account had a balance of {$2300.00} and that a payment of {$1700.00} was paid. Its reporting that 21,000.00 ( approx ) was written off when it was actually a payment from the car being sold at auction. The account is still reporting as a charge off in collections even after I submitted documentation from the 3rd party attorney representing XXXX financial showing the account was settled in full with {$0.00} dollars being owed. This is a direct violation of both my FCRA and FDCPA rights. I want this account to be updated correctly or removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am in the process of applying for a mortgage and i have submitted this to the credit bureaus because i have been a victim of identity theft and they have failed to remove the accounts from my credit report.
Product: Credit card or prepaid card

I have had a Discover card for 7 years and have paid on time with auto payments the whole time, never missing a payment. Recently, I received noticed that my account had been charged off to an attorney 's office by Discover. This had taken me by surprise as I have a long history with Discover as a good and on-time payer, and I still believed auto-pay to be functioning as it had been for the past 5+ years. 

I have received XXXX communication from Discover prior to or after the account was written off. Discover refuses to address the issue of why my auto pay was turned off and why I didn't receive any notice by mail of the charge off or autopay termination. They have erroneously reported the account as delinquent and it is now negatively affecting my credit score. 

I am able to settle my account and would like to return to the way things were before the lack of Discovers communication. I can take action on my end but I would like to see Discover take accountability for the poor communication, reinstate my card, and remove the error in credit reporting. If this can be done, I can provide positive feedback on this case or cancel this complaint continuing my former good relationship with Discover.
Product: Student loan

Navient has taken my work number off of my co-signer release requested and continued to call my job to collect student loan payments. Further, navient has called my work and home phone number to harassing extents. Navient has incorrectly written payment reversals on my account to put my loan in default despite the money being debited from my account, and mislead me to believe a co-signer could be relieved. I submitted a co-signer release request which was denied despite having years of payments and sufficient income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and Im submitting this complaint myself and there is no third party involved. LexisNexis has gathered and is reporting false, inaccurate and fraudulent information on me as a consumer and has aided in the compromising of my financial reputation as well as causing emotional distress, defamation of character and other unseen injuries. 

LexisNexis has and is committing numerous violations of my consumer rights including but not limited to 15 USC 1681 ( a ) ( 1 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681c, 15 USC 1681e ( b ) and 15 USC 6801 ( a ) and many more which has been outlined in an Affidavit of Truth that has been mailed to them with a signed return receipt as proof of delivery. 

LexisNexis is a consumer reporting agency as defined by 15 USC 1681a ( f ). LexisNexis has been reporting false and fraudulently information they know is not true. I demanded in writing that LexisNexis stop reporting this false and fraudulent information and furnishing my report with this information. LexisNexis does not have my written instructions to furnish my consumer credit report. 

I have demanded that they remove all my information from their databases immediately. 

I also informed LexisNexis that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer and the necessary actions will be taken against LexisNexis and XXXX XXXX.
Product: Student loan

They will not tell me what rate they will give me until after they do a " hard '' credit inquiry. They advertise rates between 3 % -7 %, but I have applied and get accepted for the loan but it is always at the high end ( 7 % ). I do n't want a high interest loan. I have a good credit score ( XXXX ). Why ca n't they tell me before they wo n't give me a low interest rate? Why do they have to do a " hard '' credit inquiry? It lowers my credit score. The system is not fair! Why ca n't they do a " soft '' inquiry to see if I have a chance of getting a low interest rate loan. Or I could fill out a form telling me if I have a good chance of getting it or not? The rates are misleading!
Product: Credit reporting or other personal consumer reports

VALIDATION, NOT XXXX RE : CREDITORS BUREAU ASSOCIA To Whom It XXXX Concern : This letter is being sent to you in response to the above mentioned charge-off account and more importantly, due to your erroneous reporting of this account, the highly negative impact on my personal credit report. Please be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX { b } that your claim is disputed and validation is requested. 



This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named XXXX and XXXX. I respectfully request that you provide me with competent evidence that I have any legal attachment to this account. 



Please provide me with the following : Provide copies of any papers that show I agreed to be responsible for this account Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account At this time, I will also inform you that if you have reported invalidated information to my credit profile this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on my credit report that is inaccurate, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If you can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all reporting activity must cease and desist. 



Also, during this validation period, if any action is taken which could be considered detrimental to my credit report, I will consult with my legal counsel for suit. This includes listing any information that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. 



his validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion shall be sent to me immediately. 



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

I have errors on my credit report and want them removed from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Innovis to add a phone number to my credit report, but they told me I have to mail my request with documentation proving that I own the phone number ( i.e. a phone bill with my phone number, address, name, etc. on it ). This is practically impossible to do for prepaid phone plans which do not provide such bills containing the requested information. They also said a creditor can report a phone number to them, but only one creditor is reporting information to Innovis for me and they're not reporting a phone number. This all wouldn't be so much of a problem if Innovis didn't ask you to have a code sent to your phone number ( that's listed on your credit report ) each time you sign in.
Product: Credit reporting or other personal consumer reports

My score on Experian was noy showing on my report. Please update my score on Experian and delete all inaccurate info on my account
Product: Credit card or prepaid card

I went to PNC bank on XX/XX/2018 to withdrawal {$500.00} the teller was busy at the time with other things..then she told me there was only {$44.00} left. I said that was impossible. and she told me to move on. checking with my XXXX XXXX account it shows PNC bank is " pending '' to take out {$500.00} thrus showing only a {$44.00} balance. when I went back to the bank on friday the same teller told me to leave. I tried to speak to a Manager and they were to busy.. 
I would like my {$500.00} released asap thank you
Product: Checking or savings account

I used the 'Mail a Check ' feature offered by XXXXXXXX XXXX XXXX Chime ) on XX/XX/2022. Chime 's policy states that it takes 3-9 days for the check to arrive. I received a notification from Chime, on Saturday, XX/XX/2022 at XXXX XXXX XXXX notifying me that the check 's estimated arrival to my landlord would be Tuesday, XX/XX/2022. Today is Thursday, XX/XX/2022 and my landlord has yet to receive the check. I placed 2 calls to Chime 's customer support and was kept on hold for over 40 minutes. On the 3rd call, the agent let me know that the check was currently being processed and would arrive to my landlord in 3-9 days, however that is the complete opposite of what CHIME states in their policy and in the notification I received. I have also filed a complaint with the XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX  XXXX XXXX Dear Sir/Madam , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX  XXXX XXXX  despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my XXXX XXXX  XXXX XXXX  account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX  XXXX XXXX I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have all been removed from my XXXX credit reporting account I would like Experian, and XXXX to do the same for the following accounts XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.