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

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. I was never late on this account. 
XXXX XXXX XXXX Account Number XXXX Please correct/update this information on my credit report. 


XXXX. I was never late on this account. 
XXXX XXXX XXXX XXXX Account Number XXXX Please correct/update this information on my credit report. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Please remove this information on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Please remove this information on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number XXXX Please remove this information on my credit report. 

XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number XXXX Please remove this information on my credit report. 


In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello, Multiple attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted as a result of false information, non privy information and outdated information. XXXX has neglected to correct my information shared with the public
Product: Mortgage

1. I took a mortgage loan to buy a new construction home through PNC Bank. The settlement was supposed to happen on XX/XX/2021 but because of the negligence of the Bank, the bank did not make a wire transfer to the settlement agent till the next day. XX/XX/XXXX was XXXX XXXX holiday, something that was also known to the bank. As a result the settlement took place on the next working day on XX/XX/2021. The PNC bank refuses to fix the closing documents to reflect the new date of settlement even though the settlement company has done so. According to the bank 's documents, the settlement happened on XX/XX/XXXX. The bank is also charging me interest in the amount of {$100.00} for this period, which is wrong. I have attached the Settlement Statement by the Title company and the Closing Disclosure package from the PNC Bank to support this claim. 
2. I was promised by the bank 's mortgage loan officer that I would get at least {$750.00} in origination fees as part of the loan. I accepted the loan on this condition. The bank did not give me this money in spite of my reminder. A copy of the email exchange is attached to support this claim.
Product: Credit reporting or other personal consumer reports

I filed a dispute on experian due to account listed below inaccurate information XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances getting { house, car, etc }. XXXX violates my rights as a consumer, as well as federal laws.
Product: Payday loan, title loan, or personal loan

I called Conns XXXX XXXX on XX/XX/2022 to pay off my balance in full. The lady on the phone told me she can decrease the amount for me since I was paying off early. I still owed a little over {$6000.00} on the loan and she reduced it to around {$4400.00} to pay in full. A few months later I get a notification from XXXX XXXX  that my conns balance increased by {$57.00} and my credit was reflecting a balance owed of {$1300.00} still so I called again to get information on why this was happening if I paid the balance off ( this was around the end of XXXX/beginning of XXXX ). They told me they are not sure and they would send it to a different department and I would need to call back in 3 days to see if it was fixed. I also asked for a paid in full letter, I have still yet to receive one to this day after asking numerous times. I have had to make this request phone call twice more about the balance on my report with the same outcome. Well today I get a notification that my account was charged off and my score dropped XXXX points. I spent 2 hours on the phone with conns, being transferred from the customer service department, the recovery department, the billing and collections department, and the credit department all of who can not help me. One manager stated that he will forward the account to the credit department and try to have it removed. I paid off all my debt to increase my credit score to purchase a home. I am in the process and should be closing XX/XX/XXXX however with this on my credit this might impact my ability to purchase this home. I would greatly appreciate any assistance in the matter as my account should not be in charge off status when I called to pay in full and was offered a lower amount without even asking. Had I known this is how they conduct business I wouldnt have purchased with them to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting.

its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Product: Debt collection

Received a call XX/XX/2024 from XXXX with a voicemail to call back about a debt. I called back, and the debtor has my same name but different birthday ( its not me, I have no debt ). I requested my name and phone number be removed from their call list and they stated they would. 

Received a call XX/XX/2024 from same phone number / same company. Stated I do not have any debt, I do not have an account, please remove my name and number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I purchased a XXXX XXXX XXXX, I paid them regularly until XX/XX/XXXX when the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl, both my insurance company, and the XXXX XXXX XXXX in GA told XXXX to report it as a total loss. This company XXXX XXXX has not reported to the credit bureaus correctly, there are no payments showing that I made, and it also states that in XXXX years of owing this car I only made XXXX dollars ' worth of payments. This company XXXX XXXX has been involved in several lawsuits including XXXX where they owe over XXXX XXXX dollars. I joined the lawsuit but because I don't reside in that state, I wasn't allotted any funds, but in the lawsuit, it states that the vehicles under XXXX XXXX  are to be deleted from all three credit bureaus, which has not been done yet. As of now the DOJ is serving XXXX XXXX with a subpoena. I can't count how many times that I have disputed them with all three credit bureaus under the Fair Credit Report Act, they don't answer by mail, and when you call them, they are the rudest inconsiderate customer service ever!!! I have even written to my Attorney General located in Kentucky
Product: Credit reporting or other personal consumer reports

I have been a vcitim of identity theft. My personal information has been used to obtain goods and services. I contacted Experian and told them that this Fradulent Credit account are provided proof, even though they told me that this Credit account were verifed. Please dispute and remove this fradulent creditaccount from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from credit protection association on XXXX/XXXX/2016 demanding me to pay {$150.00} to XXXX XXXX XXXX, I contacted credit protection association and inform them ia have no any contract with this company and MY provider of gas and electricity is XXXX only, and I have paid their bills in time update. Further I wish to conform I have not received any arrears of payment or any other letter from the said XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive already filed a complaint about this company in regards to improperly using my credit report. The resolution was on XX/XX/22, the company requested the credit bureaus to remove the hard inquiries on my credit report. I was also instructed this XXXX take up to 45 days. As of today, XX/XX/22, these hard inquiries are still on my credit report.
Product: Checking or savings account

This is in reference to an complaint already filed and closed ( XXXX ). I was not able to submit my feedback online due to issues with your website ( I assume there are notes on this issue attached to my account? ) I would like to submit my feedback including the fact that I feel it is unfair that I was not refunded the {$700.00}, when there are numerous examples of customers erroneously typing the incorrect phone number for cash transfers ( which was NOT the case in my situation ), but were still refunded in full by Chase.
Product: Credit reporting or other personal consumer reports

Equifax does sham investigations and depend on the furnisher instead of doing their jobs. XXXX and XXXX XXXX XXXX account is incomplete and inaccurate on my credit report. As we know thats a violation of FCRA. Everything suppose to be reported complete and accurate. 

Account involved in litigation!! " I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists '' Furthermore, I asked for validation of the loans. Not a response telling me, equifax reached out to the furnisher and the account is verified as accurate. Wheres my proof??????? Im not referring to, mail stating the same things results are verified as accurate. I want documentation PROOF OF BOTH LOANS AND THE XXXX YOU SPOKEN WITH POSITION AND FULL NAME. Thats what validation is, proof and if you cant provide it with my signature attached than delete the account. Ive mailed and send dispute letters 3 times already and havent gotten validation of any of the loans. Its been over 80 days and youre required to give me what I ask for within 30 days. So that alone is grounds of removal, so now I am seeking legal action. I tried to let Equifax correct the problem first but Equifax is the problem. With a lawsuit pending from cfpb, from doing the same things I listed above.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX, XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, XXXX, XXXXXXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Nissan Motors Acceptance Corp, my lender, sold my debt to XXXX XXXX XXXX ( XXXX ), a credit collections agency sometime after I defaulted in XXXX or XXXX. I contacted XXXX to settle the debt and they agreed to accept a settlement and report the debt as " paid in full ''. 

However, now in XXXX, although XXXX shows it paid in full, Nissan is still showing a balance in excess of {$3000.00}. They advised that they do show the debt as " settled '' but maintain that though they won't collect the $ XXXX that they will continue to report it as a balance due. This completely contrary to the agreement I made with their agents at XXXX and contrary to the specific verbiage provided for in my settlement letter from XXXX which reads : " ... your account will be shown as settled in full and final compromise of the debt. '' I believe Nissan must honor this agreement and report my debt as settled in full as agreed to with VRS. I also believe that they are in breach of FTC reporting laws, which I have advised them at least twice on a recorded line. 

CC : Nissan Motors Acceptance Corp Nissan Motors Accept Corp XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

Old Ambulance bill from XXXX that was never ordered. 
Disputed years ago and was taken off credit report. 
Got a strange call : Is this my name. Responded who is this? Hung up. 
XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX
Product: Bank account or service

Today my sister went to a Chase Bank located at XXXX, NY XXXX. to make a deposit they rejected it because the account was compromised and they blocked it and their response is that account will be close. nobody can explain to us why was that or what happened. I called this # XXXX and the same thing, the operator could n't give us a right answer or solution to our problem. so Now our business is affected with a cause we do n't know, we sent many checks out, calling suppliers, asking for excuse, we can not accept credit card and make deposit, our money is frozen until they decide to send it back in two or three weeks, so what we 're suppose to do, close the business??
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my account with XXXX XXXX XXXX XXXX ACCOUNT # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is grounds for removal from my credit report. The XXXX  and my state Attorney General 's office have also been contacted regarding this matter. 

They have also violated my rights under 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 States that any consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681C ( A ) ( 5 ) States NO consumer reporting agency may make any consumer report containing any of the following : Items 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 ) States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

This morning, because of my being alerted from my Experian credit monitoring, I was notified that I had XXXX additional inquiries report on my credit file with XXXX XXXX on XXXX/XXXX/2016. I have since spoken with XXXX as of this morning regarding this and bringing it to their attention that this was in fact via a fraudulent nature. They have told me that they did not do hard pulls on my credit file, but did do a " soft '' pull on the same day. As you can plainly see, there were a total of ( XXXX ) hard pulls and XXXX soft pull to my credit file. I have disputed these with XXXX and would greatly appreciate your disputing this as Fraud in hopes to help expedite the removal of these accordingly. 

Regards, XXXX XXXX XXXX
Product: Checking or savings account

I wrote a check from my Wells Fargo checking account ( check number XXXX ) dated XX/XX/2023 for {$440.00}. The check was cashed/deposited however in the amount of {$6100.00} which is {$5700.00} more that the check amount. Wells Fargo does not dispute the check amount was written for {$440.00} nor does it dispute that the amount wrongfully taken from my account was {$6100.00} ( minus the {$440.00} ). Wells Fargo denies responsibility for this transaction despite being the bank from which the funds were fraudulently or mistakenly drawn. Wells Fargo states that it will investigate and it " will try '' to get the money back and that's all they can do. They have some mysterious " process '' that involves " reaching out '' to XXXX XXXX XXXX which is the bank where the check was deposited/cashed. I spoke with at least 5 people at Wells no of whom appear to knowledgeable or empowered to actually help their customers. Instead Wells states that XXXX XXXX XXXX  is fault. That Wells Fargo allowed {$5700.00} to be wrongfully taken from my account without immediate or certain remedy is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original XXXX XXXX with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. CREDENCE RESOURCE XXXX XXXX Provide Physical Verification UNVERIFIED ACCOUNT * Please remove all non-account holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You
Product: Vehicle loan or lease

I continue to have issues with Alliant Credit Union that are unique to other creditors. I have an auto loan with them that is on auto deduction each month out of my checking account. My payments have been made on time each month because they are auto deducted. Recently I began receiving emails and call from them saying my payment was past due. I checked my only bank records and the payment has been paid on time each month. When I called Alliant they told me I'm {$110.00} past due because they added auto insurance to my payment which raised my payment higher than the {$300.00} per month so the payment I made was shown as short and not applied correctly. I have auto insurance and have had with XXXX for many years. The policy has never had a gap. Alliant never made me aware of the need for me to provide my updated policy. They added insurance ( even though I have always had coverage ) without my permission and added unauthorized charges to my account. They ask me to call a number and provide proof of insurance when I called them today so I called and gave them proof of coverage with no gaps. I called XXXX today and confirmed that I have had coverage with NO GAPS for several years. I'm attaching proof of coverage
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Equifax has violated my rights. 

Credit Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave these written instructions. & also. 

I did not authorize the above inquiries.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX