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

I am asking you to open an investigation against the Experian credit company for having a wrong private information, this information has been publicly shared for more than a year, creating serious financial problems of reputation and prestige to me. 
Experian is putting in the credit system that I have an account with " CHILD SUPPORT ENFORCE '' # XXXX and that account is in COLLECTION ACCOUNT AND DELINQUENCIES. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in my reporting. 
That account is from XXXX and I pay it in full, this account is the child support payment that during that time I made my daughters, I never had that account in the collection or in delinquency. I fulfilled all my payments on time and finalized my case satisfactorily, and there is no record of that debt. 
Experian has never presented me with any document or proof, name, address, and telephone number of each person contacted regarding this alleged account. The name of the court with which Experian verified this information. The address and phone number for the court with which Experian verified this information. The name of the Clerk who verified this information. The Documents, date, and signature in which verified this information. 
Have an information inaccurate or incomplete items in a credit history have serious consequences. Please delete the misleading or inaccurate information. 
Experian is committing a violation by 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was an incorrect account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that this XXXX XXXX XXXX  Late payment XX/XX/XXXX 30 days late will be removed.
Product: Credit card

I applied for a Chase card including balance transfer, and received a letter to call the company for the application to be reviewed. On the phone, I was approved for the card and told the specifics. I told the person that I did not want to move forward with the card. A week later I received a letter in the mail that my balance had been transferred. When I called they refused to delete my account, and only said it could be closed, even though I never opened it. Apparently they go forward processing balance transfers and the card even if you say that you do not want to move forward. This opening / closing will reflect on my credit - I want it completely removed since I never agreed to open it and further specifically stated that I did not want the card.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received notification that a hard inquiry hit my report Via XXXX XXXX. I contacted the company to let them know that I did not authorize the inquiry, and I was told that I would need to wait 5 days until it could be reversed. I continually tried to call the company until I was told I would have to dispute with the credit bureaus. When I disputed said information to XXXX and requested validation, I would receive a response that the information was validated. On XX/XX/2023 I sent correspondence to the company requesting validation, according the Fair Credit Reporting Act I am entitled to be shown an original contract bearing my wet signature authorizing this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX mos ) {$3600.00} balance {$7300.00} balance I never opened an account with this debt buyer, this seems to have been bought from XXXX XXXX, but both accounts was CLOSED and marked as PAID/Charged OFF by XXXX XXXX XXXX 

I was never informed that the XXXXXXXX XXXX  sold the debt after closing/charging off the account. I was made aware of this by pulling credit to buy a house. 

Below XXXX XXXX remarks on accounts : Remarks Charged off as bad debt Canceled by credit grantor Times XX/XX/XXXX days late XXXX Closed XXXX. XXXX, XXXX and Responsibility Individual Remarks Closed Times XX/XX/XXXX days late XXXX XXXX XXXX. XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the FTC violations attached are the violations att : XXXX XXXX XXXX to Pay {$60.00} XXXX to Resolve FTC Allegations It Misled Consumers with Unlimited Data Promises
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 separate batch of disputes to the bureaus and have received no answers regarding the disputes I submitted. Between each batch, I waited over 45 days to allow them to research my concerns. To my knowledge the law has not changed. I am allowed to question errors on my credit report. They must reply back to me within 30 days after they receive. I've checked with my local post office and they are unaware of any problems with the local mail delivery.
Product: Payday loan, title loan, or personal loan

If paid off our loan on time then we would not recieve any interest charges. XX/XX/2022 was the last day. On the XXXX we paid off the loan submitting 2 payments on line. On the XXXX Greensky charged us XXXX finance charge and then on XX/XX/XXXX they reversed one of our payments of XXXX I called our bank and green sky never attempted to process our payment. From our point of view green sky just reversed our payment in order to charge us all the interest. 

On their website it says that all disputes need to be submitted in writing to then with in 60 days. I have been through this same thing with XXXX XXXX XXXXXXXX. they always claimed to have never recieved our letters even when sent by a lawyer. 

Any help that you could give us would be greatly appreciated. I feel that writing and sending letters would be wasting some of our 60 day window. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax challenging the validity of dates for following accounts : XXXX acct # XXXX and XXXX XXXX XXXX XXXX acct # XXXX. 
The dates on the XXXX acct # XXXX are inaccurate. The date of last payment is inaccurate and the date of last activity is inaccurate. Missing date of closure and balance amount. 
The dates on XXXX XXXX XXXX XXXX acct # XXXX are inaccurate. The date of last activity is inaccurate, the date of last activity is inaccurate, the date of 30 days delinquency is inaccurate and date closed is inaccurate.
Product: Checking or savings account

At XXXX XXXX XXXX. XX/XX/25 I made a XXXX XXXX ATM transaction at XXXX convenience store in XXXX, PA. I was momentarily distracted looking at the lottery machine next to ATM after making transaction. I did not retrieve my money right away and the ATM took my money back inside the machine and the door closed. I attempted to use my card again, but ATM stated communication error and I was denied access. I immediately contacted the store clerk XXXX XXXX was her name ) informed her and she said there was nothing she could do and I should contact bank and that she would put an out of order sign on ATM machine ( which I did not physically see her do, because I left store to travel to XXXX XXXX  ). I drove up the street to XXXX XXXX  and the teller informed me there was nothing they could do and informed me to contact my bank to resolve the issue. I then contacted my bank and was informed a complaint could not be filed because of the transactions pending status. Once out of pending status I then completed a claim with my bank. I can not understand why a security feature of an ATM is not posted to inform individuals that their funds can be retracted, and furthermore can not understand why my bank has denied me my funds. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove the vioilations attached The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] XXXX : OCC Assesses {$60.00} XXXX Penalty Against XXXX XXXX, XXXX Bank to Reimburse Consumers for Unfair Billing Practices XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC.

no civil violations can count as debt XXXX XXXX : FTC Settlement Imposes {$100000.00} Fine Against Online Retailer for Failing to Post Required EnergyGuide Information for Appliances Agency Files Complaint Seeking {$540000.00} Penalty Against Another Retailer For Similar Violations XXXX XXXX : The FTC also alleges that XXXX XXXX falsely told loan applicants that Investors Have Backed Your Loan while knowing that many of them would never get a loan, a practice that delayed applicants from seeking loans elsewhere. ... The company is charged with violating the FTC Act and the Gramm-Leach-Bliley Act.
Product: Credit reporting or other personal consumer reports

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, any and 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 a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediateLY
Product: Vehicle loan or lease

I am writing to formally address an issue I encountered regarding a loan payment adjustment and subsequent negative credit reporting. 

On XX/XX/XXXX, I called in to request moving a payment to the end of my loan. After the call, I immediately checked my account online and saw that the request had been approved. I then signed and acknowledged my acceptance of the updated terms. The system displayed a message stating that the change would be updated within XXXX business days, and I signed out. 

However, on XX/XX/XXXX, I noticed that my credit report showed a negative entry related to this loan. I have had this loan for almost two years and have never had any issues with credit reporting until now. When I contacted your team, I was told that you could not find any record of my acceptance of the payment adjustment. I requested that you review my log-in history to verify this information. 

Additionally, during this call, I was informed that my number is still on the " Do Not Call '' list, despite my previous request months ago to allow calls. No one had removed me from this list as per my authorization, and I was told that a new request had been submitted to correct this. Unfortunately, when I called again today, I was informed that my number is still not updated, and I remain on the " Do Not Call '' list as of XX/XX/XXXX. 

I also reached out to your credit reporting department, but I did not receive any substantial answers. They mentioned that your IT team was likely unable to view my log-ins, but this has not led to any resolution.

The combination of the negative credit report and the ongoing issue with my account is causing a significant drop in my credit score, preventing me from being able to refinance. This situation remains unresolved, and I am seeking prompt action and clarification on the following : Verification that my acceptance of the payment adjustment was properly processed and reflected in the system.

Removal of my number from the Do Not Call list as per my original request.

Resolution of the negative credit reporting, and any actions you can take to address the impact on my credit.

I kindly request that you look into these matters with urgency and provide an update on the status of each of these issues.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXXXXXX XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Credit card

I called the agents to help to set up the PIN number. But they kept putting me on hold and I hate that. They also kept transferring me to the different line. I hate when these ppl want me to waste my time and w8. Ive done my w8ing. They turned against me and I want them all reported.
Product: Credit card or prepaid card

On XX/XX/XXXX, we mistakenly submitted an electronic payment of {$5000.00} to our TJX Credit Card - which is managed by Synchrony Bank. 

We recognized the error and called the bank 's customer service on XX/XX/XXXX via their toll-free number. They promised to refund the money via check in 7-15 business days - which makes the expected receipt of XX/XX/XXXX. 

The bank issued a credit on our account on XX/XX/XXXX and we received a new statement for the period XXXX. XXXX - XX/XX/XXXX via USPS mail on XX/XX/XXXX. ( Note that the statement was receive via USPS just a few days after the statement closing date ) We did not receive the check by XX/XX/XXXX, so we contacted the bank again on XX/XX/XXXX and spoke with XXXX. They promised to cancel the previous check and send a new one via courier and we should expect to receive this in 4 business days an expected receipt by XX/XX/XXXX. 

We did not receive the refund check via courier by XX/XX/XXXX. 
On XX/XX/XXXX we again contacted the bank via their customer service line. We spoke to 4 people. No one could confirm that the check was sent. No one could provide a courier tracking number. All of them suggest that the mail service was slow and we would just have to " be patient '' and wait another 7-15 business days Why did we speak with 4 people? 

Each of the agents we spoke to insisted there was no one to " escalate '' this matter or who could provide additional help or clarity. Each of them said the equivalent of " let me put you on hold to check with someone '' and the line disconnected. In other words, it appears they hung up. 

We have been patient. 

We have waited the proscribed time, but as of this writing, we have not received our refund of {$5000.00}. It is a substantial amount of money and we have no idea when these funds will be returned. 

We would appreciate CFPBs help in getting these funds returned to us as soon as possible
Product: Credit reporting or other personal consumer reports

I'm in disagreetment with the account listed bellow wich still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX that starts with XXXX In accordance with the fair credit reporting act, public law 91-506 title VI section 611, provide the names and bosiness addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your re investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

late payments remove now!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payments must be removed asap, i have reported fraudulent activity due to a security breach in a system that contained my personal information.

I have been disputing these items since the pandemic and have reported these errors to XXXX, XXXX, and Experian these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation!. 
Thank you XXXX XXXX
Product: Mortgage

I received a notice in XX/XX/XXXX that my mortgage payment would increase by {$610.00} per month beginning XX/XX/XXXX. 
The reason was an escrow shortage. They said my escrow account is short {$4200.00} and that following repayment of the shortage, my mortgage payment would be {$1400.00}. This is an increase of {$260.00} per month. 

I sent the mortgage company ( Caliber Home Loans ) a certified letter requesting specific historical information on beginning and ending balances since the inception of the loan in XX/XX/XXXX, tax and insurance bills received and disbursements made. The notice I received only shows the previous year. I received a refund of excess escrow in {$1200.00} in XX/XX/XXXX. My mortgage payment has been adjusted multiple times since the loan originated. Consequently, I have no confidence that the accounting is correct. So, I requested full documentation of all escrow activity. 

My understanding of my rights is that a reque3st for information must be handled within 5 business day. The mortgage company received my letter on XX/XX/XXXX. I have not received any response to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. 

Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was NOT made in error. I, XXXX XXXX, also did not give your credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts has violated my rights, XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX Bank # 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 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

Equifax did not provide a proper reinvestigation into this account : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX I have been provided with computer generated information claiming to be verified after reinvestigation. I submitted complaint XXXX on XX/XX/XXXX requesting a description of the reinvestigation and they did not provide it, which is a violation of 15 USC 168i ( 7 ). I did not receive description of the reinvestigation. 

Also withing the report, there are still inaccuracies. According to 15 U.S. Code 1681e ( b ) - Compliance procedures, " 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. '' Equifax is blatantly reporting inaccuracies of the account above with the following examples : Inaccurate payment status : My credit report is showing that this account was open XX/XX/XXXX, however there is no data or payment history for the months of XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX shows a 60 Day Late... .this is not possible without a 30 day Late prior... .there is no data/missing data leading up to this reported 60 day late. XX/XX/XXXX also reports a 60 day late, this is mathematically impossible, therefore inaccurate. XXXX to XXXX of XXXX, all show 60 days late, again this is impossible and inaccurate. There is missing/inaccurate data for throughout the payment history of this account. 

These inaccuracies are misleading and shows no confidence in the reporting of this account, and is detrimental to my credit worthiness. Please delete this inaccurate-filled account immediately.
Product: Credit card or prepaid card

In XX/XX/XXXX I paid off my balance in full, and to date have not made any additional charges to the account. In XXXX I received a bill for {$9.00}, which I again paid in full after calling and confirming the amount. In XX/XX/XXXX I received another bill for {$1.00}. On XX/XX/XXXX I called an asked why there was an amount due they said it was additional interest on the average daily balance on the interest I had already paid. I asked to have the {$1.00} waived and they said they could not waive it. I asked to speak to a manager and the manager said that not only did I need to pay the {$1.00}, but their would be additional interest that was due on the {$1.00}, that I would also need to pay. At this rate I will never completely pay off this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. The 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$11.00} ; XXXX XXXX XXXXXXXX Balance : {$3300.00}.