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

I contacted Transunion twice in XX/XX/XXXX. I spoke with XXXX at XXXX. She refused to investigate the disputes stating disputes can not be disputed. I stated that according to the FCRA, Section 611, I can request the dispute of inaccurate and unauthorized information of my credit report. She again stated she would not investigate my personal disputes. I contacted Transunion again to dispute the information and spoke with XXXX at XXXX. XXXX requested all inquires that I was disputing but still refused to investigate the disputes stating that the disputes could not be removed or investigated without proper documentation. As a consumer, I am allowed a proper investigation of the information that is contained in my credit report. Transunion also wrongfully reinserted inquiries in my credit report when they had a server was down and did not send any documentation of inquires being inserted. Transunion is in violation of FCRA Guidelines.
Product: Mortgage

In early XXXX of XXXX, I contacted XXXX XXXX from US Bank to discuss the possibility of buying a vacation home in XXXX, AZ. In mid XXXX XXXX after reviewing my credit, bank statements, taxes, etc ), I received a verbal approval by phone that I was ok to travel to XXXX, find a home I like & that US Bank would finance it up to XXXX & maybe more. I also received an email confirming this amount on XX/XX/XXXX. Based on this approval, I flew our family out to XXXX to begin looking for our vacation home & began putting in offers the week of XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX gave my realtor a letter confirming my pre-approval. On XX/XX/XXXX, we had an accepted offer on a house that we liked & began to move forward with the next steps to close on the house. We paid out of pocket for an inspection on the property & paid US Bank to conduct an appraisal which valued the home higher than our accepted offer. Everything seemed to be lining up & working out greatly. Then, on XX/XX/XXXX, I received notification from US Bank that they would no longer finance the house due to something in my taxes. I consider this to be ridiculous as they had my taxes & looked thru them prior to the approval. Why were my taxes ok at application time, but not XXXX weeks prior to closing? Yesterday, we lost our dream vacation home as the sellers refused to extend closing time to allow for financing with another bank ( which I was approved for at XXXX XXXX XXXX XXXX XXXX. So, there is the story. As you can see, this is upsetting to be lied to by a bank, but this situation is especially upsetting due to all the costs incurred. When I look back & start adding them up, they add up quickly, but heres a breakdown : Travel costs : {$4000.00} ( aprox ) Loss of work to travel : {$2000.00} Inspection : {$600.00} Appraisal : {$390.00} Earnest : {$4100.00} ( wire transfer fee included ) As you can see, I threw away over {$10000.00} of my hard earned money due to the banks actions. In addition, my realtor & accountant worked hard with US Bank to make this deal happen, only to see their hard work lead to nothing. In addition to that, the sellers also made approximately $ XXXX in improvements ( requested by me as a result of inspection ), so they are impacted as well. As you can see, many parties were impacted by this. 
In conclusion, I think its important for banks to not give approval unless they are going to stick to it. Obviously, some loans fall apart due to borrower actions between approval & closing. This is not the case here. The lies of XXXX XXXX XXXX US Bank have cost lots of time & money & I think its important to prevent this from happening again.
Product: Credit card or prepaid card

At the end of XXXX my previous debit card expired. I have lived in XXXX for many years and have received four debit cards here through XXXX. When the new card didnt arrive I made calls and sent e-mails inquiring about the card and was told that the reply might be slow. That was perfectly understandable because the covid emergency had just begun. Finally in XXXX of this year 2021 the new card was sent to my home address here in XXXXWhen I tried to activate the card on line my old pin number which has never changed was not accepted. Previously the new cards were activated with the same old pin number. This time it wasnt accepted for some reason. When I reported that they told me the card was activated but when I tried to use it at an ATM it wasnt accepted. Since XXXX I have constantly called and e-mailed the bank for a resolution of the problem but with no results. Renewing a debit card should be very routine.
Product: Debt collection

LVNV FUNDING LLC Account : Accounts ending in XXXX for {$460.00}, XXXX for {$730.00} and XXXX for {$1100.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with LVNV Funding LLC and do not have a contract with LVNV Funding, LLC They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and LVNV LLC continues to report negative information on my credit report.
Product: Debt collection

I have no ideal who this is and why are they causing harm to me. It says it is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, Equifax, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent information Showing that the information the bureaus are reporting are inaccurate and incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Product: Debt collection

Your Name Your Address City, State, ZIP Code Date Subject : Dispute of Inaccurate Information Under 15 U.S. Code 1681i ( 7 ) Dear EXPERIAN I am writing to dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 7 ). I have identified the following inaccurate item ( s ) on my credit report : - ** [ Creditor Name or Account Name ] ** : [ LVNV FUNDING LLC ACCOUNT NUMBER XXXX AMOUNT \ {$850.00} ] This information is inaccurate or incomplete for the following reasons : [ The account was is not mines and was reported in a XXXX XXXX breach I have also filed a report with FTC as well as XXXX to get it removed from my credit report Enclosed with this letter are copies of supporting documents that substantiate my claim, including : XXXX. Dispute letter to XXXX XXXX. Data breach proof ] Under 15 U.S. Code 1681i ( 7 ), I respectfully request that you : 1. Investigate and verify the accuracy of the disputed information.

2. Provide me with a written summary of the investigation process and results.

3. Remove or correct the inaccurate information if it can not be verified.

Please acknowledge receipt of this dispute letter in writing. I understand you are required to complete your investigation within 30 days of receipt of this dispute. 

Thank you for your prompt attention to this matter. If you require further information or documentation, you can contact me at [ your phone number ] or [ your email address ]. 

Sincerely, XXXX XXXX XXXX : [ List of attached documents, e.g., " Copy of credit report highlighting disputed item '' ]
Product: Mortgage

US Bank Mortgage is refusing to report my account to the credit bureaus indicating the reason they are not reporting the account is due to the statue of limitations related to Chapter XXXX Bankruptcy that was filed in error in XX/XX/XXXX. The Chapter XXXX bankruptcy was never confirmed and the case was closed due to the error. I did however file a Chapter XXXX Bankruptcy in XX/XX/XXXX that was paid in full and discharged in XX/XX/XXXX. MY US Bank mortgage account was reaffirmed and the account is still open and active. The account reported to the bureaus through XX/XX/XXXX however it was deleted at the request of US Bank in XX/XX/XXXX. I have made several request to reinstate reporting but US Bank is refusing. The account is being paid on time and I would like it to report to the credit bureaus. I receive monthly statements which reflect payments I make and can provide those If needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified OR INACCURATE. TOO MANY INACCURACY ON ALL THREE CREDIT REPORTS. THEY CAN NOT EVEN SHOW 100 % ACCURACY OF MY INFORMATION WHICH IS DAMAING MY CREDIT PROFILE. CREDITOR : XXXX XXXX XXXXXXXX XXXX Account # : XXXX CREDITOR : XXXX XXXX XXXX Account # : XXXX CREDITOR : XXXX XXXX  Account # : XXXX CREDITOR : XXXX ACCOUNT Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I was contacted on my cell phone by a woman named XXXX XXXX on XXXX/XXXX/16 at XXXX. I did not answer since it was an unknown number so she left a message. She does not state what company she works for but says that there is a claim in their office and she needs to speak to me further regarding the matter. She called from XXXX. She requested that I call her back a XXXX, ext XXXX. She said I was to refer to case # XXXX. Within seconds of that call my son received the same message for me on his cell phone. I have recordings of both messages left. The message on my son 's phone was the same except the case number given differed. I did not return the call. On XXXX XXXX, 2016 I received a letter from ARA Inc stating that ARA has recently obtained and now is the legal owner of my XXXX Account. I do not have an account with XXXX, nor have I ever had an account with XXXX. I called XXXX 's fraud department and they verified that they have no record of an account with my name or the account number that ARA Inc. says is mine. ARA claims that I owe {$5500.00}. I do not. The case number listed on the letter is different than the XXXX numbers previously given in the 2 different phone calls. I ordered a credit report on XXXX/XXXX/16 through XXXX which also shows that I have never had credit with XXXX. The credit report also shows that I have XXXX negative accounts, XXXX collections, and XXXX public records. All accounts shown are either " Pays as Agreed '' or they are closed with a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter and recently reviewed my credit file and unfortunately found that some of my personal information was incorrect you are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit profile within the next 30 days. If I dont receive any updates from you during this period, i know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

Account Name 1 : Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly ACCOUNT NUMBER DATE OPENED LAST REPORTED DATE LAST ACTIVE AND DATE OF LAST PAYMENT XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I demand that any and all late payments be removed as you in clear violation of 15 U.S. Code 1681 e ( b ) failure to provide maximum accuracy among all credit reporting agencies.Failure to comply with my demand is a violation of 15 U.S. CODE 1681In - a In general Any person who willfully falls to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damaged of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys as determined by the court and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance - ( a ) IN GENERAL Any consumer is liable to that consumer in an amount equal to the sum of - ( 1 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand!
Product: Credit reporting, credit repair services, or other personal consumer reports

It was announced that starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Currently, I have ( 4 ) medical bills ( 2 Paid and 2 I'm Disputing ) each under {$500.00} ( amounts outlined below ). The three items marked as collections are critically harming my credit score. I have disputed these amounts with each bureau however they still remain as a roadblock. Can someone please assist me with this as I attempt to regain control of my score and rebuild after being heavily impacted by such reporting. 

XXXX. Date : XX/XX/XXXX, XXXX : {$480.00} XXXX. Date : XX/XX/XXXX, XXXX : {$2.00} ( Paid still showing on Equifax ) XXXX. Date : XX/XX/XXXX, XXXX : {$260.00} XXXX. Date : XX/XX/XXXX, XXXX : {$170.00} ( Paid still showing on all credit bureaus )
Product: Credit card or prepaid card

We purchased a prepaid cruise and tour of the XXXX XXXX through XXXX XXXX XXXX, using a Barclays bank Master Card for installment payments. When we arrived at the hotel in XXXX, on XX/XX/XXXX, the XXXX XXXX, we presented the same card for incidentals. Upon checkout, on XX/XX/XXXX, we were charged and have a receipt for XXXX euro in incidentals. We continued to use the card, a chip card, for the rest of the trip. 

After returning home, we see on our XXXX statement a charge for {$7300.00} on XX/XX/XXXX, from XXXX XXXX of XXXX XXXX. We have no idea who this is, or what the charge is for. When we reported this to XXXX, they took the charge off of our account, stopped the card, and issued a new card, and we thought all was well. 

Subsequently, we were contacted by XXXX and told that since the card remained in our possession, and that it was a chip card, that fraud was not possible, so we are liable for this charge. We have disputed this statement, since we have no idea what the charge is and did not authorize it, it is fraudulent. XXXX XXXX tells us that the merchant is in the hotel business, so there must be some connection to the hotel. 

After several go arounds with the XXXX fraud and dispute staff, including sending a letter XX/XX/XXXX recounting our story and disputing their denial of the claim, we received a call saying that they were standing by their position that no fraud occurred and that we were liable. Interest continues to accrue on this charge. 

I called them today and were told two things, that the case was closed, and that a new case was opened # XXXX to request proof from the merchant about the validity of the charge. I told them that I was planning to file a complaint with the CFPB, and they were OK with that. I was told that a manager would be getting back to me within 24-48 business hours. 

I hope that you are able to help with this matter. Its quite possible that we are not the only tourists who have been victimized in this way. Please advise.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. 
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 XXXX XXXX XXXX XXXX 

I AM VICTIM OF IDENTITY THEFT AND DATA BREACH
Product: Credit reporting or other personal consumer reports

I am writing to provide additional information and request further action regarding my open complaint ( XXXX ) against Experian for inaccurately reporting bankruptcies on my credit report. Despite the complaint currently being marked as open, Experian has recently sent me another letter claiming the disputed bankruptcy information has been verified, but they failed to provide any legitimate method of verification. 

Background : XXXX. Disputed Information : Experian is reporting bankruptcy records on my credit report that do not belong to me. 
The court associated with these records has confirmed that they do not report information to credit bureaus. 
XXXX. My Actions : I contacted the court directly, and they explicitly stated they have no record of reporting this information to Experian. 
I submitted a complaint through the CFPB, yet Experian continues to send letters claiming the bankruptcies are verified without providing evidence of how they verified the information.

3. Experians Noncompliance : Experian has not updated the complaint status with the CFPB to reflect the results of their recent investigation.

They have failed to provide a legitimate explanation for how the bankruptcy information was verified ( Ive actually called and spoke with the courts clerks directly ). 

Violations of the Fair Credit Reporting Act ( FCRA ) : Failure to Conduct a Proper Investigation : Experian has not sufficiently investigated my dispute.

Failure to Provide Verification : Experian has not provided evidence of the verification process or the source of the disputed information.

Reckless Reporting : By continuing to report inaccurate information, Experian is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Equifax on XXXX, and advised that I 'm a victim of their security breach, and the inquiries on my credit report does not belong to me. Provided representative with the inquiries of : XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX, XXXX XXXX Bank XXXX XXXX, XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX. The representative told me there is nothing that can be done and hung the phone up on me.
Product: Credit card

I received a change of terms notification with an unjustified increase in APR. I have an exception pay history, increased credit score and more ability to pay now than in the past. However, I've been informed my APR on my Citi XXXX XXXX is increasing from XXXX to XXXX. This is a five-point increase and the only thing they will tell me is that it was a change in terms and there's nothing they can do. I've asked if this is a penalty and they tell me the majority of XXXX members who hold this XXXX card are undergoing a similar review. I spoke with 3 representatives at XXXX, a representative at Citi and a supervisor at Citi. This is an unwarranted money grab by a major corporation.
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$34.00} XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$91.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I, XXXX XXXX XXXX was contacted by Transunion and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to engaging in a settlement for improper reporting that may have been done by Transunion. However, I, XXXX XXXX XXXX did not agree with the settlement and did not agree with what was being reported and/or was missing from my credit report. Therefore, the request is an effort to reconstruct the credit report of XXXX XXXX XXXX. Attached are receipts from two different XXXX XXXX XXXX  Credit Card accounts. One XXXX   XXXX XXXX  Credit Card was discharged in a Chapter XXXX Bankruptcy. It was however in " good '' standing. The most recent XXXX XXXX XXXX   Credit Card was a reestablished credit card after filing Chapter XXXX and was agreed to be paid off outside of the Chapter XXXX Bankruptcy filed in XX/XX/2012. The account was paid as agreed until I was notified by my attorney to not make another payment because there had been a claim filed with the bankruptcy court. The account for that particular card is on the electronic check in the Re : section with the amount being paid as {$510.00}. The bankruptcy trustee report indicates that {$150.00} was paid to XXXX XXXX that alleged collection on behalf of XXXX. This amount was in addition to the payment made by XXXX XXXX XXXX. 

The effort to reconstruct my credit report is to show that there was a positive history of paying creditor ( s ) despite having two bankruptcies that I was likely induced into because on each occasion my credit score was 650-680 or above going into bankruptcy and now it is likely 400 or less.