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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief. 

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this letter. 


Sincerely, XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 inaccurat
Product: Consumer Loan

In XXXX XXXX, I received written notice that the Home Equity Line of Credit currently held by me would expire on XXXX XXXX and I was given several choices concerning the loan. I chose to refinance the loan and began steps to do so as outlined by PNC Bank. After several attempts to comply with the bank 's request for information in a timely manner, all documents were submitted as requested, however, I began to sense my application would be denied because XXXX of their request was unreasonable ( they asked for a copy of my income tax for the year XXXX, specifically Schedule XXXX, though I did in fact obtain an official transcript from the IRS and presented it to PNC Bank, they would not accept it as what they needed even though the document came from the IRS and it was clearly stated on the form that the document was suitable for mortgage purposes! By now we are into XXXX so the request was made that I be allowed to use my XXXX taxes which was finally accepted by PNC Bank. In a letter dated XXXX/XXXX/XXXX I was informed that my application to refinance the line of credit was denied due to : '' Insufficient down payment and/or equity in collateral in addition to information based in whole or part from an outside source ... ... I am personally aware that PNC Bank has denied credit/mortgage loan to another XXXX couple when it appears there was no real basis for that denial other than potential discrimination, their names and other information can be submitted upon request. I believe I am a victim of racial discrimination/unfair lending practice. PNC Bank did a Property Valuation Report and within the report under Market Sales and Trends my home was compared to several others homes, my home is a tri-level but was compared to XXXX ( XXXX ) story dwellings, I know that on a scale of '' risk in lending '' from XXXX I am a XXXX risk, my credit score from XXXX ( which PNC used is XXXX ) and the property valuation plainly states the report they submitted is not a real estate appraisal, evaluation or similar documentation of the subject property ( XXXX ) .In addition, in late winter of XXXX, I had listed the property for sale with XXXX and soon thereafter received a written offer to purchase my home for {$100000.00} and when I rejected that offer another offer was made at $ XXXX.I rejected both offers because I realized I was not ready to sale my home and withdrew my home from the market. Surely no home declines that much in value in less than a year! It appears that the XXXX area has been redlined as it is a predominantly XXXX area and I believe this has played a big part, in addition to me being a XXXX female, to PNC Bank declining to refinance the line of credit I currently have with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I contact XXXX, Experian, and XXXX  concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.
Product: Credit reporting or other personal consumer reports

I am listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. Bank XXXX XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX Balance : {$63.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$8700.00XXXX XXXX Inquired on XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2023 ) Since then the account has repeatedly been updated as charge off every month. This is an update in the payment history. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the status of limitations. You failed to investigate this account properly and you neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - Account Number starting in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account number 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 XXXX not furnish an account with my written instructions.
Product: Checking or savings account

XXXX XXXX, Targeted Employment Area Designations Among Reforms WASHINGTONU.S. Citizenship and Immigration Services ( USCIS ) will publish a final rule on XX/XX/XXXX that makes a number of significant changes to its EB-5 Immigrant Investor Program, marking the first significant revision of the programs regulations since 1993. The final rule will become effective on XXXX XXXX, XXXX.
Product: Checking or savings account

I reported to my bank after my XXXX XXXX XXXX was stolen with my laptop in it and my cell phone and driver license was stolen with my XXXX I filed claims because someone was filling out application for apartments as me paying XXXX AND XXXX TO GET XXXXMY CREDIT REPORTS CHARGES FROM XXXX XXXX XXXX XXXX charges they bought XXXX phones on my XXXX XXXX XXXX account XXXX XXXX XXXX is investigating it they said it was fraud I told my bank they will not fairly look into any claims I make. Some charges the bank had declined themselves a bunch of times because they thought it was fraud I would see it on my account but since they declined them I thought I was ok but than they started letting the charges go through Wells Fargo is not investigating claims
Product: Debt collection

I sent a letter to XXXX XXXX XXXX, XXXX to stop contacting me by phone or mail. Also, I received 2 1099-C forms saying that 2 amounts were discharged XXXX and {$810.00}. I received this after the statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is the consumer reporting agencies to report accurate information on a consumers report. I took a look at my reports and saw that the credit bureaus are reporting a payment was captured XXXX of XXXX but both bureaus are also stating that the last payment date as XX/XX/XXXX and the account is current. How is this possible? It is illegal to report inaccurate information and I am requesting that this late payment remark is removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding unjust charges from XXXX XXXX Apartments ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ). Since 2018, I have been wrongfully charged {$780.00} for carpet replacement after they kept my {$650.00} deposit. Additionally, they unlawfully charged me {$50.00} per month for my Emotional Support Animal ( ESA ), violating California Civil Code 54.1. All proper documentation was submitted to them regarding the ESA animal. 

Despite my attempts to dispute these charges with the property management, they have refused to address the issue, directing me to a collection agency. These charges have been reported to XXXX, XXXX, and Equifax, impacting my credit and leading to housing denials. I have also disputed these with the credit bureaus, but they refuse to remove the negative information. 

I request that the CFPB intervene to resolve these unjust charges and have them removed from my credit report.
Product: Student loan

On XX/XX/2022 I requested a full refund on any applicable student loan payments made during the federal pause ( XXXX ), in accordance with the CARES Act. MOHELA, my student loan service provider has yet to provide any indication of the status of reimbursement and has not provided any response since the initial inquiry.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining.

"
Product: Credit reporting or other personal consumer reports

I did not authorize anyone to use my credit, this is a result of identity theft.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XX/XX/XXXXXXXX account numbers ( XXXXXX/XX/XXXXXXXX ) XXXX & XXXX account number XXXXXX/XX/XXXXXXXX account XXXX Online Information XX/XX/XXXX account XXXXXX/XX/XXXX XXXX account XXXXXX/XX/XXXXXX/XX/XXXXaccount XXXX XXXX XXXX account XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed Hire Right reported I received a XXXX  in my driving record on XXXX XXXX. 

I have not received a XXXX  in 10+ years. 
MA driving record attached. 

Hiring employer denied gainful employment because of this false information reported for XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have been having problems with Experian for months for the same issue. evrytime i try to pay my credit card balances thery keep on decreasing my credit score and always give me excuses for doing so. I have worked so hard to bring my credit score from XXXX to high XXXX and i never have a problem with the other XXXX credit reporting agentsies XXXX and XXXX. It has been a battle and so stressful everytime I have tried to resolve the problem of poor and gross incorrect reporting and have paid all of my accounts on time for decades, incorrect information given by intake personal stating that they have nothing to do what happens with my credit score, and so many times Experian keeps on decreasing my credit score numerous times when I never have a problem with the other XXXX agencies. I would always have to call Experian for everything from reporting my payments, incorrect reporting, and removing hard inquries so many times it has caused so much stress ( see attached documents ) that this company caused me to develope a stress XXXX which I had an XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I want the XXXX points they decreased numerous times corrected and want to file a claim for {$250000.00} for all the time they caused me to have to much pain and suffering.
Product: Vehicle loan or lease

I purchased an XXXX XXXX from XXXX. Once hot weather arrived the ac did not work and it sips oil from a big gulp. Parts of the interior of the vehicle were not secured and the seat belts were jinky requiring you to manually push them back in. When disputed I was told to take it to their mechanic. An attorney reached out to me because the vehicle is involved in a class action lawsuit. XXXX does their loans through Bridgecrest. This company has 1 star reviews & makes XXXX  XXXX XXXX look ethical. I have seen better customer service at a XXXX XXXX. I work in the XXXX XXXX XXXX as a XXXX  XXXX. I lost my Job in XXXX due to many factors but the biggest was they had a 40 % occupancy rate with no bookings. Many other XXXX  XXXX  in the area have suffered the same numbers so it was not an isolated event. I could not get a job. I was waiting on a settlement from both the company and the XXXX lawsuit. Because of this I was not able to make the payment in XXXX. Bridgecrest the lender for the vehicle sent a text letting me know about an extension. When I called they told me they could not help me and I needed to pay now. After I hung up this company blew up my phone, email and text. I received a barrage of calls for two months while trying to look for a job as well as sell my Florida property ( Land ) in between hurricanes to get the money. Nothing was going in my favor but I did get a job at XXXX as a XXXX  however it was an hours drive away. Bridgecrest put the vehicle up for repossession despite my man attempts to secure a repayment plan. They will not make any money back on this vehicle the most money they would make would be to allow me the opportunity to take care of the loan on some repayment plan. I had to quit the job as an XXXX XXXX  because I cant be stranded an hour away from home. I was able to get a XXXX  job. Since they have not scheduled pick up for the vehicle I logged in on XX/XX/XXXX to pay and my account is fully deactivated. This company is the most psychologically damaging company I have ever been forced to endure. XXXX preys on people offering convenience while selling them stolen or junk yard vehicles while Bridgecrest finances high risk loans on worthless vehicles. I have no idea how these companies are making money other than the high interest of the loans. One review stated his vehicle was repossessed with a - {$50.00} balance. Even if I were to pay the negative balance they would still repossess the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific accounts in my document coming about because of the wrongdoing. The accounts 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 an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX 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 or prepaid card

I have a BestBuy Visa. I had received an offer in XX/XX/2021, which I activated through my email. 

The Citibank offer stated ( sometime in the first half of 2021 ) I'd receive {$75.00} in rewards if I spent {$750.00} on utility charges on my card. I did exactly do what the offer stated. 

However, I did not get the rewards. When I called, they said I need to wait for 6-8 weeks. I waited a lot more than that. I waited a few months, and nothing was every provided. 

I called in XX/XX/2021, and they had me on the phone for XXXX minutes with Citi and BestBuy rewards team and they said I would be receiving the {$75.00} reward in my email. 

I waited several weeks nothing happened. 

I called again today and was on the phone for XXXX minutes with the supervisor. She tried call XXXX and was on hold. She then said she had to go, and I can talk to them directly. 

After terrible customer service from both Citi and XXXX, I have no energy left to be on the phone again after being on the call for XXXX minutes in the last 2 calls. I asked to speak to another supervisor, and she said she was it. I have no hope of recovering anything if I call XXXX directly or through Citi. # NorespectforCustomer
Product: Debt collection

The Statute of limitations to collect the debt based upon FTC Law and Federal Truth In Credit Reporting Act has expired for Santander Consumer USA and XXXX XXXX Bank has expired as when the last payment was made on each accounts. 

In addition, the original Santander Consumer USA original contract was void/and or null as terminated. Do not owed any money and continue to illegally report as late and past due as a negligence with failure of due diligence law. 

XXXX XXXX Bank offered a additional settlement offered as a compensation which they have also failed to honor under a legally bonded class action. Continue to report incorrect information. The six years requirement is met.
Product: Credit reporting or other personal consumer reports

Ive made payment online for XXXX loan for payment plan to purchase items. I made payment but XXXX company has not provided any details on payment to the credit bureau experian and says that they are accurate with the information. I dispute this claim with experian and all they ( XXXX  ) says to experian is that the information is accurate. Its XXXX! 

Please file a lawsuit against XXXX  for their blatant lies. 

Thank you. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

I previously filed a complaint against American Express several months ago due to the charges of a dispute. Complaint ID XXXX. You might want to look it up. They sent you a letter saying the charges would be removed. It is now 3 months and 6 total letters from American Express over the past 9 months saying the dispute has been resolved in my favor and a refund does not appear on my statement. Can I file criminal charges against American Express due to their lack of accountability and fraud. Why? Nothing has been done by them or your organization.. Another useless government agency.