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

To whom it may concern : XX/XX/XXXX, I looked at my report. I sent a letter to Experian on XX/XX/XXXX, asking them to reinvestigate these accounts : 1. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX Account Number : XXXX Please remove it from my credit report. 

XX/XX/XXXX, they sent me their investigation and said the accounts are complete and accurate. 
I looked at my report and noticed everything is still the same In addition, according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general If, after any investigation under paragraph ( 1 ) 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 has been modified or deleted from the file of the consumer.

( ii ) Promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report.

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.

And according to 15 USC 1681 s-2 this is supposed to happen ( A ) Reporting information with actual knowledge of errors. 
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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer, at the address specified by the person for notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate. 

Experian really did not reinvestigation they lied on an official document saying they did something that they did not do, and I have evidence to prove my case.
Product: Credit card or prepaid card

I purchased a XXXX card and loaded {$500.00} on the card. I opened the package, and the glue inside holding the papers to the card would not budge, so I had to use my key to get it off, and in doing so I scratched the stripe on the card, and I also scratched on of the 3 digits included int he CVV code. I called their customer service number super frustrated, but they were able to replace the card and stated they would mail me one out. They did, but when I got my card there was over {$92.00} missing out of mt {$500.00}. I live in XXXX, AZ, and the charges were all in the state of Colorado. Apparently my original card was still active, and I was told not to toss it, so I still have it. I activated my new card and called their customer service department. I held for over an hour and a half only to be spoken to with disrespect, and a lack of empathy. I do not understand how they can get away with this. After researching their company, I found tons of customer 's who have been through the same. I was told to mail in a dispute form and pictures of my DL just to get my money back. I am doing that, but I am filing this complaint to ensure this company does what is right and research this claim and loads my funds on to my working card ASAP.
Product: Debt collection

I got a voicemail from a debt collector saying I needed to return the call because they were trying to serve me with papers for a lawsuit but were unable to find me so I had to call and update my address. 
When I called they said it was about a lawsuit ( court date was supposed to happen within 10 days from the call I received, on XXXX XXXX ). They offered me to settle for more than 60 % less than what I I supposedly owed. 
I knew I had a debt with said original creditor but did not remember the exact amount which appeared to be way off. I gave them my email address and asked them to send me details about my account as I did not remember the exact amount. 
After hanginf up with them I went online and ordered my credit report. As I suspected, the amount did not match what the debt collector said ( The original debt on my credit report states {$4.00}, the debt collector said it was {$3.00} and offered me to settle for {$1.00} ) Also, the collection agency which holds my debt as it is on my credit report is XXXX XXXX XXXX not XXXX XXXX which is the one who contacted me. Different name, different number, different address. 
I also did a search online on the Stete of Washington Courts and called the court in my city as well to find out if I had really been taken to court. No records were found under my name whatsoever. 
So I called the agency who contacted me and told XXXX XXXX XXXX that I needed proof that they really owed my account and were legitimate as I could not confirm any of the information they gave me as correct. 
He then proceeded to threaten me saying my wages were going to be garnished and before he hung up on me he said " We will see you on court on XX/XX/XXXX ''. 
I have the copy of the validation letter they sent me along with the proposed settlement. 
Not sure how to proceed as the information does not match and also think it was not professional and very suspectful that he became upset and simply hung up on me after being confronted and requested further information. 
Also, came to learn later on that a guy named XXXX XXXX who had contacted me before at work, had also contacted a family member revealing private information about the referred debt and also leaving a message saying if I did not call them back, they were going to garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent XXXX XXXX a certified letter to cease and desist illegal credit inquiries on my credit report. I have never signed an application with this creditor. 
I have tried numerous times to email and leave voice message to stop with out any response. On XX/XX/XXXX I sent a certified letter to Experian to remove all 7 of these credit inquiries and they refused to remove the inquiries. After XXXX received my request there are 2 more inquiries. This is a violation of the Fair Credit Reporting Act, Section1681b ( c ) This unprofessional company has the nerve to have XXXX XXXX contact me after I requested that my name be removed from their database.
Product: Credit reporting or other personal consumer reports

I found out some accounts, mortgages accounts that are using my personal information to making loans and open bank accounts and cleared Title of my name off from my property and they are kept using my personal information to make loans started from the year 2000 to current. Moreover, its effectively my taxes account and now I own IRS payments. These people used to living with me and they stole my mails from my mailbox and they used my important information such as my social security number, birthdate, my license number and my mortgages etc. I need help with this mess that I have no idea what to do and how to fix it please.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { EQUIFAX }. I believe these late payments are erroneous and do not accurately reflect my payment history. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles XXXX and XXXX ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the XXXXXXXX XXXX requirements.
Product: Checking or savings account

On or around XX/XX/XXXX I received an advertisement for up to {$300.00} for opening a checking account and completing some basic requirements from Axos. I completed the requirements, and never received the promised {$300.00}. 

The requirements included using the code XXXX and sending {$7000.00} or more in direct deposits shortly after opening the account. I believe I have done so, and have not received any indication from the company why this bonus was not deposited automatically 90 days after meeting the requirements, and indicated by the XXXX. 

I have asked via voicemail ( XX/XX/XXXX ) message ( XX/XX/XXXX, XXXX ) but they have not seriously reviewed my request and in fact, only responded to one of the messages.
Product: Checking or savings account

I lost my Truist Bank XXXX  debit card on or around XX/XX/XXXX, but didn't discover the debit card missing until XX/XX/XXXX when I logged into my online checking account and discovered unauthorized transactions on the account. I immediately called the Truist Bank customer service number to report the debit card lost and to file a clim for XXXX unauthorized transactions totaling {$2900.00}. I was transferred to the XXXX  XXXX and XXXX XXXX. where i was asked a few questions. I answered that the debit card wasn't in my possession at the time the transactions occurred, and that the card was lost from my wallet on approximately XX/XX/XXXX. The reason I said the debit card was lost on XX/XX/XXXX is because that is the date the fraudulent transactions began. Further, I said no one is authorized to use the account and no one else had access to the account including friends and family members. I received a letter from Truist Bank dated XX/XX/XXXX confirming an initiation of a review of the transactions on the Truist account that were reported as fraud. A second letter dated XX/XX/XXXX was then received, which stated Truist Bank is unable to honor the claim because there is a pattern of similar transactions which were not previously disputed that I benefited from. I only used the debit card three or four times in XXXX, and it wasn't used at any of the merchants listed in the claim. The fraudulent transactions occurred in various cities throughout Florida, with most of them being made in XXXX, a city I haven't visited. I've attached the correspondence letters for review.
Product: Vehicle loan or lease

Pursuant to 15 USC 1692 Ally Financial is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to 15 USC 1640, and they are liable for each FDCPA Violation pursuant to 15 USC 1692K. I am demanding they remove this alleged debt from my consumer reports, remit payments to me for violations, and apologize.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove them : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

My identity has been stolen and the perpetrator got loans in my name.
Product: Mortgage

Thank you for the opportunity! In XXXX I bought a house at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Puerto Rico ( PR ) with the bank XXXX XXXX, but Banco Popular de Puerto Rico ( BPPR and " the bank '' ) bought all mortgages from XXXX XXXX. In XXXX BPPR started a foreclosure case in XXXX PR, case number is XXXX. The corthouse website currently say that the case was resolved on XX/XX/XXXX, but that is not true. The bank says it is on a stopped foreclosure while a registral problem is resolved, but there is no registral problem. The bank blame the attorney of the development, Mr. XXXX XXXX XXXX with offices in XXXX XXXX XXXX XXXX XXXX PR, and the attorney blames the bank. XXXX, who works for the bank ( Loss Mitigation ) also told me after she spoke with a XXXX XXXX ( hopefully these are their real names ) that there is a company called XXXX XXXX ( which I XXXX  and found nothing ) that is working with that " registral problem '' ... since XXXX! Also that they don't know how long the " registral problem '' is going to take, and that they couldn't give any contact information to me so I can talk to them and ask them why is taking 12 years to resolve that " registral problem '' because " this is an internal process ''. This situation is making me literally mentally sick because this house is not supposed to be on my name after 13 years. I think they are lying to me, hiding something from me, and the worst is that they keep saying the house is mine, of course, because no one is doing their job correctly. I supposedly owe them {$110000.00} and is being on and off from my credit history 3 times so my credit score has been affected 3 times already. Please help me! I tried to talk to a lawyer in PR about suing BPPR for Damages but he never replied. I just want this house to be auctioned and my name be removed completely. Please, help me, I don't know what else to do.
Product: Credit reporting, credit repair services, 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 XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : 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 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 inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX, sent dispute letter to Transunion requesting evidentiary documentation to verify an existing debt with multiple companies. Transunion failed to provide requested documentation as require by FCRA, Section 609. Please see attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX Date XXXX Balance : {$8400.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that is not reporting accurately. I am showing 30 days late on the account. This company has never notified me that I was about to be late nor notified me that I am late. I was never notified and 15 U.S. Code 1666b - Timing of payments I have a right to be notified. I am requesting that this late payment be removed and updated and this account status be updated to paid as agreed and NOT from no more than 2 payments past due because this is inaccurate.The lack of notification by email or mail has caused a great deal of stress and is detrimental to my credit health. The consumer reporting agencies and furnishers have a legal duty to follow consumer laws. This situation was not handled within the legal realm of this code. I was not notified. Thank you for your prompt understanding and prompt action. I have reached out to this company in XXXX and have been told a manger would call me back but this company has totally ignored the damage that they have caused to mycredit for not following the law. i have also advised them that I have been greatly affected by XXXX XXXX and this has caused me not to obtain relief and resources. 
i have been attempting resolve this since XX/XX/year> and XXXX have ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry with discover on my XXXX report. I have disputed with XXXX and called discover and confirmed I don't have record of an inquiry in XXXX XXXXStill no one has took the next step to get this hard inquiry off of my report.
Product: Student loan

Limited XXXX PSLF waiver for qualifiing payments could count paid on them or was on IDR those years and they wont count them as qualifying payments. They will only count my current employment of government from XXXX-current. They refuse to count any previous payment regardless of status it were in as it reads. Can you please help very misleading.
Product: Checking or savings account

DATE OF LAST REQUEST : XXXX XX/XX/XXXX I have attempted for approximately 1 year and spoken with several agents and the USAA Executive resolution team to get my debit card for an account ending in XXXX to read XXXX XXXX XXXX XXXX XXXX. I have been with USAA for more than 20 years, and USAA representatives have verified that my card reads appropriately ; " they also verified someone removed it before it was shipped. '' I received my other card and had no problems with my name displaying correctly as this is how my cards have displayed since approximately XXXX, more than 10 years. 

I have expressed to USAA on multiple occasions that someone internally has been tampering with my account because several unexplained occurrences have occurred. 

It is disheartening that I have to go so far as a Consumer Financial Complaint on USAA to have my concerns taken seriously. The multiple complaints made about someone continuously tampering with my account, from removing coverage from my insurance when I had USAA Insurance to locking my account. There still has been no resolution, and I continue to be harassed with passive-aggressive antics by what I deduced is an employee, as they are the only ones who would have this access. 

The complaints I have made over the years ; USAA, on XX/XX/XXXX ; sent a members notification titled " Imposter Scams Are On The Rise, '' advising its members that individuals are posing as USAA Representatives ; confirming some of what I continued to express to USAA over several years ( e.g., receiving calls from USAA asking information, documents being sent asking information does not look like USAA correspondence ). 

At this point, I take it as disrespect as I have been a loyal member for more than 20+ years ; and have received multiple cards with my name reading correctly on my other account, even " after '' requesting it for the account XXXX. 

I requested a call from the Executive Resolution Office to expedite the card that I have been waiting for more than 1 year without charge to my current location. It has been sent approximately 5 times incorrectly after being verified it reads correctly XXXX XXXX XXXX XXXX XXXX before being shipped. 

The other issue with my account will be addressed using external remedies ; this has gone on for too long. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a credit
or 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.

EQUIFAX EXPERIAN TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Checking or savings account

PNC will not allow its customers to link their checking account t to services like XXXX investing. As it is my information and my finances I believe I should be allowed to make this decision.