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

In XX/XX/year> I ended up XXXX XXXX XXXX XXXX XXXX and was XXXX for at least 6 months. Attempts to contact XXXX XXXX at this time always ended with phone calls directing me to email their customer support team documentation such as my doctor 's letter to validate the financial hardship I was going through. The credit card company never saved the copy of the letter. Fast forward one year and I am able to submit the letter to their company through a reply from a credit bureau complaint I made regarding late payments during the period I am describing above. However, they say they will not investigate it further despite having enough evidence to prove they were wrong about the payment options. This company has made it incredibly hard to report hardship, to negotiate terms and even to increase credit limits.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Request for Investigation and Correction of Inaccurate Late Payments on My Credit Report Dear CFPB, Following your agency 's completion of the investigation as outlined in this complaint, I am writing to request a detailed description of the investigation process used to review the disputed account on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. 

Upon reviewing my credit report, I discovered that my XXXX account reflects inaccurate late payments, despite my consistent record of timely payments. It is imperative that consumer reporting agencies ensure all information is reported with complete accuracy, and I am now requesting that TransUnion thoroughly investigate this account and update the entries to reflect on-time payments. 

Discrepancies in Reporting : The credit reporting agencies have inaccurately recorded late payments on this account that do not reflect my actual payment history. The discrepancies are as follows : XXXX : XXXX late payment in XX/XX/year> XXXX : XXXX late payment in XX/XX/year> TransUnion : XXXX late payment in XX/XX/year> These entries are incorrect, as I have consistently made all payments on time. 
Legal Basis for Dispute : Under the FCRA ( 15 USC 1666 ( b ) ), I am entitled to the accurate reporting of my account history. The presence of these erroneous late payments misrepresents my creditworthiness, potentially constituting a violation of both the FCRA and the Truth in Lending Act ( TILA ). Additionally, sections 15 U.S.C. 1681i and 1681s-2 of the FCRA mandate that credit reporting agencies and information furnishers correct inaccurate or incomplete information in consumer reports to ensure maximum accuracy. 

Requested Action : I request that TransUnion perform a comprehensive investigation into this account and promptly remove the inaccurate late payment entries to reflect my correct payment history of 100 % on-time payments. 

Please confirm the removal of these inaccuracies in writing within 30 days of this complaints submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the corrections within the timeframe mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I opened a business checking account with Bank of America. I signed up with a {$200.00} promotion that required me to bring my account within 30 days. On XX/XX/23 I brought my account to {$5000.00}. I was required to keep my account at $ XXXX until day XXXX. My account is still above {$5000.00} and has never dipped below this amount. 

The promotion was for {$200.00} for meeting these terms. The terms stated : Bank of America is offering a {$200.00} bonus when you open a new business checking account and complete the following requirements : Make Qualifying Deposits of {$5000.00} or more in new money* within 30 days of opening the new business checking account Maintain an average balance of {$5000.00} for next 60 days ( day XXXX ) during the maintenance period This is the promotion I signed up for : https : XXXX I signed up online for this promotion. 

I did live chat and followed up. The chat representative said that there was not a promotion attached to my account despite applying online. She said she would be back in touch but I have nor heard back from her. 

I would appreciate the bonus being paid as per the terms.
Product: Checking or savings account

In reference to CFPB complaint ID XXXX filed on XX/XX/2024, my savings account was approved on XX/XX/2024 with a final note from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After successfully setting up and funding my account, I applied for a Free Checking account online on XX/XX/2024 where I was prompted to call PenFed to complete application ( XXXX ). PenFed customer support took my details again over the phone and it appeared details customer support took was to submit a new application ( XXXX ). I received an email to upload documents again but no utilities this time, only Identity Verification Current, non-expired U.S. government-issued ID such as drivers license or passport and SSN Verification Social Security card, current tax year W-2, or signed current year tax return showing your full Social Security number.

I submitted my government-issued passport and Tax ID document again then I was told review should take about 8 hours. 

On XX/XX/2024, I called PenFed customer support to get an update regarding application. After I was put on a brief hold, customer support came back and ask if I had a US only issued ID ( exactly what had transpired when I applied for a Regular Savings Account in XXXX, 2024 that ended up as a complaint via CFPB because PenFed had discriminated the origin of my government-issued passport ) I told customer support I had submitted a complaint via the CFPB for this exact response by a prior PenFed customer support personnel when I applied for the savings account the first time. I was put on another hold. When customer support came back, she confirmed my government-issued passport and Tax ID document has been accepted. But that was not all. She added that her fraud department told her to request from me what I can assume to be one of the most absurd document required for any kind of application, " a copy of my phone numbers receipt/bill '' because they couldn't verify who my phone number belonged to. 

This was very mind blowing for me because not a single entity around the world had ever asked me for such a document. One 's phone number is usually verified by sending a one-time code. Even XXXX  ( my carrier ) themselves verify my phone with a one-time code. 

This is the same phone number I used to setup my account when my savings account was finally approved and set as a XXXX method. 

Is this how incompetent PenFed customer support and fraud department is or any personnel involved in application review is? So far, the experience is extremely loathing. 

My final comments regarding PenFed Credit Union as a whole but at the end of the day remains my opinion however, by far the worst financial institution I personally have ever encountered.

PenFed can keep its discriminatory services and close my account entirely. This is not worth a legal intervention although I may change my mind.

It has not been a pleasure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I logged in the Experian Credit report website where I pay for ongoing monitoring, and discovered that the Credit Bureau has changed my algorithms ( e.g. credit score ) decreased by 8 points after paying off my lease and the Credit Bureau also changed my address to XXXX XXXX XXXX and attached delinquent and/or deragotory information ( e.g. XXXX XXXX  in my neighborhood ) and used the comparable demographics to this area to commit the social injustice of decreasing my credit score associated with such neighborhood in the data sets. 

No other information was provided to support such a decrease in the scoring information. Moreover, I have had a legislative security freeze since XXXX and it has been recently updated ( XX/XX/XXXX ) because Experian removed my contact phone number in the alert to XXXX and removed the phone number of record so that I could not be extended credit. On XX/XX/XXXX the phone number was added. 

I live in the City of XXXX and have been here a while. Experian is also reporting to Auto lenders that I have derogatory credit and missed payments in which is not true all prior debt was discharged in a bankruptcy on a schedule XXXX. I have 6 years and 1 month of on time payments. Experian has not update many of my accounts with paid amounts in over 60 days. 

Experian, also added comments to my accounts ( student loans ) as deferred due to pandemic. When I did not make this request. It is deferred because I am still enrolled in school. 
Such comment and accuracy should be clear and concise. I would like to have this resolved and my score to be update with the correct demographics and to be treated with equality. 
I am suffering hardship from poor accountability for agency such as Experian. Congressional reports and research is available to warrant my claim along with copies of the unwarranted decreases.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the listed inquiries are fraudulent and not created by me and must be deleted due to identity theft. Pursuant to 15 USC 1681c-2 please delete these inquiries. Also, please update my file to reflect accurate personal information pursuant to 15 USC 1681e ( b ).

see attached identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made payment to CMI who collected on behalf of XXXX for an outstanding debt. 
CMI did report the account was paid in full but refuses to delete the account from my credit report causing me to continue to get adverse credit rating. I am requesting account to be deleted because it is a reoccurring issue each time I apply for credit and the debt is settled. XXXX hired them to collect payment not to punish or cause long term financial hardships for me. 
ref # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Savit Collections is reporting a debt that I do not owe. I recently took a look at my credit file and noticed this popped up. I was not aware that this debt was even owed because I have insurance. My insurance should have taken care of the total bill, I was never billed by my insurance. This needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA payments never late DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2900.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$7400.00} Status Open. 
DEPT OF EDXXXX Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Open. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2000.00} Status Open. {$6.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$29000.00} Status Open. {$120.00} past due a
Product: Credit reporting, credit repair services, or other personal consumer reports

I actually didnt submit a dispute I submitted an inquiry asking in writing where the credit bureaus gets their information. I specifically told them I was not disputing the bankruptcy. They still proceeded to process it as a bankruptcy. I asked them to respond to my letter and writing and the supervisor XXXX told me they couldnt and wouldnt respond to my letter in writing and could only do it verbally. Which I know as a consumer I know I have a right to know where the information that was on my report came from.
Product: Credit reporting or other personal consumer reports

I, the consumer, never gave Equifax written permission or consent to furnish my information or obtain my information. Please see the attached documents. I've sent multiple opt out notices that Equifax has ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused XXXX XXXX XXXX XXXX XXXX. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding inaccurate information on my credit report related to a XXXX account. 


Original Account Amount : {$910.00} Account Number : XXXX Actions Taken : Credit Report Review : I discovered inaccuracies, including date discrepancies and account status. 

Formal Dispute : On [ Date you sent the letter ], I sent a dispute letter to XXXX requesting verification of the account under the Fair Credit Reporting Act ( FCRA ), noting the information was inaccurate and unverifiable. 

Request for Deletion : I requested the account be removed from my credit report if they could not validate the debt, as required by the FCRA. 

As of now, I have not received a satisfactory response from XXXX. I seek the CFPB 's assistance in resolving this matter and ensuring accuracy in credit reporting. 

Thank you for your attention.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Texas XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX XXXX, Equifax XXXX XXXX ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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.

Items listed above, have 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 ( AN ( 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.

Remove Unauthorized Fraudulent Accounts Listed Below : FCRA Law 1 ) XXXX XXXX ( XXXX ), Date Opened : XXXX XXXX, XXXX, Balance : {$39000.00}, Account : charged off XXXX ) XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$34000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Balance : {$21000.00}, Account : charged off. 
XXXX ) XXXX XXXX XXXX ( XXXX ), Date Opened : XX/XX/XXXX, Account : Closed. 
XXXX ) XXXX XXXX ( XXXX ), Date opened : XX/XX/XXXX, Balance : {$3400.00}, Account : Collections Remove Unauthorized Fraudulent Inquiries Listed Below : FCRA Law 1 ) XXXX / XXXX XXXX ) XXXX  / XXXX XXXX ) TD AUTO FIN / XXXX XXXX ) XXXX XXXX / XXXX XXXX ) XXXX XXXX/ XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX / XXXX For the following Account Listed Update Account Payment Dates for XX/XX/XXXX and XX/XX/XXXX ( 15 U.S. Code 1666b - Timing of payments ) XXXX XXXX  ( XXXX ), Opened Date : XX/XX/XXXX, Balance : {$59000.00} FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company.
Product: Credit reporting

I have late payments reporting on MY Credit file which has been removed by the following companies XXXX it 's showing XXXX late payment & lt ; should be showing zero & gt ; I made an agreement with the company and they removed all late payments, and its still showing up on my credit report. 
Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type XXXX Status XXXX - Paid Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit {$2500.00} Term -- XXXX {$0.00} Responsibility XXXX Balance {$0.00} This is the XXXX XXXX XXXX XXXX showing XXXX missed payments which are inaccurate as well. 
XXXX XXXX is showing XXXX missed payments i sent in Goodwill Letter to creditor and they removed all missed payments because i signed up for auto pay. Still reporting on my credit file. 
XXXX XXXX XXXX XXXX, XXXX Open - Current XXXX Missed Payments They also removed all missed and late payments when i signed up for Auto pay along with Goodwill Letter. 
I disputed these accounts and late payments with the credit beareau and they say its a valid debt and when i contacted creditor, they say the info is innaccurate and they dont have any missed or late payments showing which further lets me know that the creditor is validating my debt illegally and falsely.
Product: Credit reporting or other personal consumer reports

Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations. Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), Experian is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. 
Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law. 

hereby request that Experian : 1. Conduct a thorough reinvestigation of the following disputed accounts or items : XXXX XXXX XXXX and XXXX BANK XXXX 2 . Provide me with all documentation used to verify the accuracy of the disputed information. 
3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

If Experian fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

I request, pursuant to FXXXX XXXX XXXX XXXX XXXX XXXX  ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under EXPERIAN and XXXX XXXX 30 days late in XXXX XXXX, 60 days late in XX/XX/XXXX, XXXX XXXX, 90 days late in XX/XX/XXXX, XX/XX/XXXX as well as 120 days late in XX/XX/XXXX and 180 days late in XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Checking or savings account

Hello, My name is XXXX XXXX. I am the owner of the company XXXX XXXX XXXX. My company used the services of Mercury online banking for a long time. My account was closed on XX/XX/XXXX due to incoming wire of XXXX XXXX After we tried to contact Mercury several times by phone numbers but unsuccessfully ( as we understand Mercury has only customer support via email - but at the moment we have problems with our corporate email ). Thats why I text now from my personal email. We need your help to get the funds back. 
Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$46000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX  XXXX Balance XXXX {$2700.00}