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

XX/XX/2023 - Asked credit report agency to verify accuracy of information. 

XX/XX/2023 - Investigation results ; Verified and Updated information After the investigation for timely, accurate, and verifiable information from creditors, there were still discrepancies and inconsistencies across all three-credit report ( s ). 

Name Of Account / Acct Number Verification Collection Management : XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX In accordance with the Fair Credit reporting Act, the accounts above have violated my right.

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 permission.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The accounts are -XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX  opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX, XXXX XXXX opened XX/XX/XXXX Amount XXXX {$14000.00}, XXXX XXXX opened XX/XX/XXXX Amount : XXXX, XXXX opened XX/XX/XXXX Amount : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update this account :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Information on Credit Report Dear Experian Dispute Department, I am writing to dispute the inaccurate information on my credit report, which I obtained on XX/XX/XXXX. The disputed items are as follows : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As documented in the lawsuit filed by the Consumer Financial Protection Bureau XXXX CFPB ) against Experian ( Case No. [ Case Number ] ), I am experiencing similar issues with my disputes, including : Failure to conduct a reasonable investigation of my disputes Failure to remove inaccurate information from my credit report Failure to provide accurate and complete information about my disputes I urge you to take immediate action to correct these errors and provide a revised credit report that accurately reflects my credit history. 

To facilitate the investigation, I have attached a copy of my identification, proof of address, and supporting documentation for my disputes. I request that you investigate this matter and correct the disputed items within the timeframe required by the Fair Credit Reporting Act ( FCRA ). 

Please provide me with a written response regarding the outcome of your investigation and any actions taken to correct the disputed items. If the disputed items are not corrected, please provide a detailed explanation for the denial. 

I appreciate your prompt attention to this matter, and I look forward to a resolution. 

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

I submitted a request of investigation on my credit report via United States Postal Service on XXXX to TransUnion, XXXX  and XXXX. I have not received a response from neither company.
Product: Money transfer, virtual currency, or money service

Fraud I did not purchase - the dispute is with Pay pal - A full and correct investigation needs to be done. Pay pal closed my case with out doing proper and invetigiation. Pure laziness. Below is the information I have of the fraud activity is to a shipping addresss in the state of PA when I reside in the state of DE.

XX/XX/2020 XXXX - XXXX XXXX XXXX XXXX ) Payment - {$270.00} Shipped to XXXX XXXX XXXX XXXX, PA XXXX United States Have you received this order? 
XXXX XX/XX/2020, Sent by USPS Status : Shipped Category Retail Transaction ID XXXX
Product: Consumer Loan

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, California XXXX Phone Text : ( XXXX ) XXXX Email : XXXXXXXXXXXX XXXX : XXXX Friday, XXXX XXXX, 2015 Dear XXXX : I 'm requesting this letter. Importance, Next XXXX XXXX, 2015 at about XXXX, I 'm going to JPMorgan Chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and I need to get started the information and fill out the application for a car loan for 2015 XXXX XXXX, Final Price : {$27000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, sales phone : ( XXXX ) XXXX. 

Next XXXX XXXX, 2015 at about XXXX, I 'm requesting a car loan payment calculator for the monthly loan payment : {$420.00}, loan term : 72 months, APR : about 3.06 %, loan amount : {$27000.00}, total paid : {$30000.00}, and total interest : {$2600.00}. 

PLEASE check my account is history credit card or? and will sent to me email. Thank you much. 

Sincerely, XXXX XXXX XXXX Sent from my XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/2023 XXXX, Equifax, XXXX Subject : Dispute of Inaccurate Information- I am writing to formally dispute inaccurate information on my credit report, as per my rights under the Fair Credit Reporting Act, Section 611 ( 5 ) ( 15 U.S. Code 1681i ( 5 ) ). After a thorough review of my credit report, I have identified discrepancies that I believe require investigation and correction. 

Details of the inaccurate information are as follows : Creditor Name : XXXX XXXX  Account Number : XXXX Nature of Inaccuracy : This account does not belong to me. 
I dispute the accuracy of the information mentioned above. I request that you conduct a reinvestigation into this matter and correct any inaccuracies promptly. I have attached supporting documentation to assist in the verification process. 

Please provide me with written notification of the results of your investigation within 30 days of the receipt of this dispute letter, as required by law. If the investigation reveals that the information is indeed inaccurate, I expect the prompt correction of my credit report. Thank you for your attention to this matter. I appreciate your cooperation in resolving this dispute and maintaining the accuracy of my credit report. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

****SEE ATTACHMENTS THAT SHOWS THAT IT WAS GOING TO BE DELETED REMOVED FROM MY CREDIT REPORT**** Dear Equifax / Executive Office ; I was really shocked last week when I refreshed my credit report and noticed that the collection account from XXXX XXXX is still on my Credit Report which is hindering my score so much and stopping me to achieve my financial goals You are the ONLY one thats reporting this negative account on my credit, despite the fact that the results of investigation through Cfpb stated that they will cease and remove this account. Well, the other credit reporting agency complied and deleted from my credit immediately, however you havent removed it. I talked to a representative at your office last week, and they mentioned that I can FAX over the letter and results from Cfpb and they will remove it. 

Plus, how can you report incomplete, misleading information on my credit report. Its impossible that a collection account can be late and past due. Look at the picture below late 120 days, past due for {$800.00}, etc. This is a violation of my consumer rights under the provisions of FCRA, and Im demanding an immediate deletion from my credit report. DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in a dispute process since XX/XX/2017. The law has not been followed, instead broken, by the credit bureaus while the paying creditors have unlawfully submitted entries on my credit profile without my consent. The law clearly states that my original signature on an original creditors agreement is the only proof that can be provided showing my permission to access and report payment activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 
The disputed XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX   account number XXXX and XXXX XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX have not provided the documentation that is required by law showing my original signature. Equifax, XXXX, and XXXX are not in compliance with the above referenced laws therefore I demand full removal of these accounts as well.
Product: Debt collection

I am writing to dispute the ongoing inaccurate reporting of XXXX XXXX XXXX on my credit report. Despite my previous attempts to resolve this matter, the erroneous information associated with this account has not been removed, and the dispute remains unresolved. 

This issue has become a recurring problem where Experian continues to falsely investigate accounts, resulting in persistent errors on my credit report. This issue has garnered the attention of the Consumer Financial Protection Bureau ( CFPB ), which has taken legal action against Experian for failing to properly investigate and resolve such disputes. 

I request that you immediately review and correct the inaccurate information related to XXXX XXXX XXXX and remove it from my credit report. Should this issue not be resolved in a timely manner, I will be notifying the CFPB to further escalate this matter. 

Please confirm receipt of this letter and provide me with a written update on the steps you are taking to correct this issue. I look forward to your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX increased our monthly payment amount on our mortgage late in 2019 to approximately {$2700.00}. The changed occurred in XXXX, and we were not aware of this change. We consistently paid in excess of the previous monthly amount. Prior to the change our monthly mortgage payment was approximately {$2500.00}. We would pay anywhere between {$2700.00} and {$3000.00} a month. I believe we paid {$3000.00} in XXXX. Again, because we paid {$3000.00} the payment change went unnoticed. In XXXX we paid {$2700.00} thinking our payment remained at the {$2500.00} amount. XXXX  XXXX  did not apply the amount and we were not aware that we were short {$70.00} until the account went 30-days late. Once we discovered the issue it was immediately correct. 

It should be clear to any reasonable person what occurred with this situation. The change in our monthly payment happened so late in the year it was not expected. We thought we were paying in excess of the monthly amount due in XXXX. 

We are disputing the 30-day late notice on our credit report for this reason.
Product: Credit card or prepaid card

I open secure credit account with first progress bank, was under the impression it was a good place to start rebuilding credit, just to find out this companies has a bad reputation with their customer in the past taking advantage, using them for their own personal gain, they have giving me a fax number twice to get my refund extradite faster since i closed down my account XX/XX/2023 now still refusing to pay me back my money the owe me, this is where they wanted me to fax XXXX XXXX XXXX XXXX XXXX XXXX XXXX fax # XXXX
Product: Credit reporting or other personal consumer reports

Account -XXXX XXXXXXXX XXXX Account # - XXXX This Account was charged off on the following date : XX/XX/2023. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment History. after an account is charged off, there should be no update in the payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly on two occasions and your neglect has violated my rights. Please delete this Account off of my credit report! 

Account XXXX XXXX XXXXXXXX Account # - XXXX
Product: Credit card or prepaid card

On XX/XX/23, I opened a case XXXX with Blackhawk Network regarding a refund request of my prepaid visa gift cards, totaling {$10000.00}. On XX/XX/23, the information was confirmed and I was told I would be updated regarding the status of the case. Contrary to this, I was not updated, and upon calling in to follow up on XX/XX/23, I was told that the refund request was denied as I could spend the remaining balance on each card. 

The company is not aware of its own terms & conditions, as the fact I can use the cards is irrelevant to whether I can get a refund or not. I do not agree to the terms, so i ask to cancel the cards and receive a refund check. This is stated as an option simply in the attached terms & conditions, which this joke of a company fails to understand of itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my lease off and was told that I would receive an invoice for going over on mileage or any repairs. Once I received that invoice, I paid it within the following week. I then noticed that the last payment was reported to my credit as a late payment. I have reached out to the many times now and they have confirmed that it was never late and that the late payment would be removed. They then would send me a letter stating that it was never late. That was XXXX and I have reached out to them multiple times to let them know that it was still there and they have done nothing. Now today, I was told that GM Financial has advised the bureaus not to accept the letter that THEY sent me stating that I have never had a late payment on the account.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my BMW FIN SVC - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant FCRA subsection 605B 15 USC subsection 1681C to that you the credit reporting agency block information appearing on my consumer credit report that is the results of identity, theft and fraud within four business days of you receiving this complaint, this fraudulence, inaccurate, and false information consists of XXXX  auto loans accounts open at XXXX XXXX on XX/XX/XXXX account number XXXX, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account account number XXXX, XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number XXXX, XXXX XXXX XXXX  opened XX/XX/XXXX account number private. In addition 1 personal bank account loan XXXX XXXX XXXX XXXX account opened XX/XX/XXXX account number XXXX
Product: Debt collection

A letter of validation ( copy attached ) was mailed to Wells Fargo Dealer Services and was as delivered at XXXX XXXX on XXXX XXXX in XXXX XXXX XXXX, UT ( certified mail receipt attached ). As of XX/XX/2022 there has been no response of validation. XXXX in violation 12 CFR 1006.34 Notice for validation of debt. The direct violation of this regulation puts consumers at risk and hinders my progress of financial stability and therefore this item should be erased from all credit bureaus its reporting too.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2023 There were 12 unauthorized Hard inquires reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove in accordance with 15 USC 1681.
Product: Debt collection

I don't owe this debt the debt collector is trying to collect. I have no agreement with the company. Cease and desist from contacting me about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX Bank. In XXXX of XXXX I was late for a payment. At that time XXXX XXXX Bank reported the delinquency to the credit reporting agency. In XXXX of XXXX this same bank sold my account to another bank and no longer existed. In XXXX of XXXX Experian reported that this company reported me 30 days late. This company XXXX XXXX XXXX Bank ) no longer existed so this information was false, this company did not make that report it was reported 5 years earlier.

I made a complaint to Experian and they did show the company closed and transferred the account to another company but never put the points back on my credit score.
This type reporting is unfair and damaging when the late payment was already reported 5 years earlier, reducing my credit score at that time and should not be used to reduce my score repeatedly. 

Experian constantly pulls something out of their hat to cause my score to decline but never shows anything positive no matter what accomplishments are made, not to mention their use of XXXX, which is nothing but a false statement that does nothing to help customers scores.
Product: Prepaid card

Sent me a debit card I never signed up for and asking me tos et an account up
Product: Credit reporting or other personal consumer reports

There are new items on my credit report that is there as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX - balance is showing as {$6000.00} and limit of {$5000.00} ; account number partially listed - XXXX, dates not listed,
Product: Mortgage

PNC charged me back in XX/XX/XXXX attorney fees ( Statement attached ) they used an attorney and filed a motion in the XXXX XXXX requesting relief from Automatic Stay on my property on the other hand the customer service department Authorized a Forbearance plan to me as a consumer for 3 Month since i had hardship due to covid XXXX i had to use my BK attorney at that time to file a motion and opposition cost me {$200.00}, there attorney ended up withdrawn the motion due to the fact i am on Forbearance plan i addressed this issue with the Executive office officer below the client relation and her email are attached Given the Fact that as a consumer i signed the loan documents with XXXX XXXX in XXXX then it was transferred to PNC to service the loan in XXXX in XXXX Given the fact that this is BK case filed because of my financial hardship, and the debt was Discharged on XX/XX/XXXX as well they made an error by utilizing an attorney, ignoring my forbearance and that cost me fees to their counsel and my attorney as well to defend the motion this is the feed back I received from PNC executive office : " in addition, the security instrument has been attached and on the page labeled 9 or 13 bullet point number 14 states : Lender may charge Borrower Fees for services performed in connection with Borrowers default This is something you signed when you received the mortgage. This means that a motion was filed against the debt owed. PNC is required to have legal council as well. These funds will not be reimbursed to you. 

In addition My Application with Loss Mitigation was denied the 1st time in error then the 2nd application was completed in XX/XX/XXXX but it has been difficult for them to acknowledge my income and acting they they can not understand my letter of explanation Underwriting has been ignoring some of my income They told me before on a recording line " we can not entertain a loan modification at this time " because the investor is not willing to do so They ignored the Covid XXXX Hardship Guidelines that was sent by PNC to XXXX XXXX the investor XXXX XXXX
Product: Credit card or prepaid card

After multiple calls and instant messages over the period of two months. I was denied my Amex Platinum welcome bonus, since they said that I closed two previous cards after a year, as I am " misusing my credit cards. '' This was after I had called prior to applying for the card, and they said that I was eligible for the welcome bonus. Every time I call about my welcome bonus stats, the customer service person says that I have no reason to not receive it. I fulfilled all the requirements and pay my card off on time. 

I closed both previous cards for legit reasons, the first was a delta gold card, which I closed after not using the airline much, and the second was a XXXX card, which I closed after the merger with XXXX was announced and my points would have been devalued. 

Plus, I have cards outside of AMEX with longevity ( four to six years ) ... AND I have only opened four cards in the last two years.

I did nothing illegal, and I pay my cards off on time, every time. I have a great credit score, and show nothing that would be a risk for the company.

I would like to file a complaint, as I did everything AMEX had asked for, and yet they still refused -- it's not only misadvertising, it's a bait-and-switch tactic to get you to sign up by offering welcome bonuses without following through.