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

I recently requested an investigation to verify the accuracy of a two account on XX/XX/XXXX. XXXX investigated the account and found XXXX XXXX it to be inaccurate, unverifiable, or incomplete. The result was the removal of that account. XXXX XXXX has not provided any debt validation as required under the fcra. Under the FCRA, all information found to be on verifiable or incomplete, must be share with all three major credit bureaus, because they are supposed to be the same on each report. I have continuously sent a copy of the deleted item from XXXX to Experian, but they refused to remove the account, even though under the FCRA, they are supposed to. Please see The following account below. 

XXXX XXXX # XXXX DELETED BY XXXX XXXX XXXX # XXXX Debt validation never provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


3.  The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. The inquiry was not authorized XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I have been told by American Express representatives that the dispute is aged and therefore, closed. 

I had to investigate into American Express Chargeback polices myself. For Goods And Services Not Received ( Reason Code 4554 ). 

the date the Card Member expected to receive goods and/or services, or the date the Card Member became aware that the expected goods and/or services would not be provided ( not exceeding five hundred and forty ( 540 ) days from the date American Express Network processed the Transaction ). 


The policy is very clear that I have 120 days FROM THE DATE EXPECTED TO RECEIVE SERVICES, not just from the date of the Transaction. The Merchant has to respond. 

The matter concerned an airline ticket purchased XXXX XX/XX/XXXX, for the flight date XXXX XX/XX/XXXX. Therefore, it is very clear, I had at least 120 days from that date to submit a valid dispute. 


This was a history of mismanagement of my valid dispute by American Express : I have submitted a valid dispute on XXXX XX/XX/XXXX, which was closed within less than 24 hours for the reason that I have not submitted supporting documentation. Again, American Express did not even allow me 24 hours to gather and upload the documentation, and rushed to close the dispute. 

Ref. No. XXXX Dispute Received XX/XX/XXXX The following disputes were rejected, or attempted to be rejected, for invalid reasons ( aged transaction ) or pretence reasons ( customer closed dispute ) or incomprehensible reason that American Express cant locate a transaction so that I had to send back to American Express their own American Express credit card statement. 


Ref. No. XXXX Dispute Received XX/XX/XXXX Ref. No. XXXX Dispute Received XXXX XXXX, XXXX Ref. No. XXXX Dispute Received XXXX XXXX, XXXX I have now evidence of fact and came to a reasonable conclusions about American Express back office disputes : - mismanaged a valid dispute, continuously exercising avoidance and dodging tactics ; cancelled and closed valid dispute at will, on pretence and invalid reasons including, the cases citing the customer request to close the dispute, which was a false representation ( a lie ) because I have never given such request ( s ).
Product: Payday loan, title loan, or personal loan

Good morning I recently took out a loan with American First Finance XX/XX/XXXX of XXXX I purchased a refrigerator the refrigerator was {$1600.00} they give you 101 days to pay it off with no interest or fees after that they tell you that you know the price will be higher yesterday XX/XX/XXXX I called them because I looked at my credit report and I wanted to try to pay off the loan my credit report only shows that I owe {$1300.00} so this is what Im looking to call to pay them once I talk to representative XXXX he made me aware that I still owe {$4500.00} I told him that is not what my credit report says and I told him I went online to try to find my contract and it wasnt available because they never sent it to me so he Then forwarded me the contract to my email so it shows that if I dont pay off the loan it goes up to {$6600.00} which Ive already paid {$1700.00} I told him I dont remember signing anything that says Im willing to pay something that high I asked him whats the interest rate on that and I think that its illegal to charge someone at least six times what they borrow and he said that its not .he then said the settlement offer would be {$3200.00} I still told him that price was ridiculous he dropped it to XXXX I asked him to just let me pay what it says I owe on my credit report which was the {$1300.00} he said no the lowest that theyll go is XXXX I then said at least drop it to XXXX I will pay that he said no I asked for a supervisor the supervisor XXXX agree to XXXX I still feel like this is unfair so I told them let me contact some people to see if this was fair that they were charging this amount and I will get back to them they gave me 30 days to except a settlement of XXXX I need help finding out is this fair and are they able to charge people ridiculous prices like this I honestly dont remember signing that I would pay this large amount but they sent me the contract so I guess Im stuck unless you could tell me otherwise
Product: Debt collection

The city of XXXX, Ohio has now sent a collection amount to debt collection attorneys Weltman , Weinberg & Reis XXXX XXXX XXXX XXXX XXXX for a debt proven through bankruptcy lawyers that I do not owe. I lived in the city of XXXX from XX/XX/XXXX-XX/XX/XXXX in which they are stating I owe taxes for XX/XX/XXXX-XX/XX/XXXX in which those years I resided in XXXX, Ohio. The attorney office at the time which was XX/XX/XXXX sent proof of address to the city of XXXX to verify I only resided there for one year. I was evicted out of the place I resided at in XXXX and move back to XXXX. The city of XXXX prove my residence by sending statements to all XXXX addresses. So not only did the attorneys supply proof but also the city of XXXX.
Product: Credit card

XXXX I received a paper application from Capital One XXXX XXXX Signature card stating that I was pre-approved. I called the company to ask whether there would be a hard credit pull. I asked this because I have excellent credit and intend to keep it that way. The phone representative guaranteed me that there would be no hard credit pull since I was pre-approved, and that would be true whether the application was via snail mail, online, or by phone. On XXXX XXXX, 2015, I applied online and received the card soon afterwards. I have always paid in full on time. After checking my credit report, I realized that Capital One had gone against its verbal promise and issued a hard credit pull. I called the company and made a complaint, requesting that the hard credit pull be removed as promised. The issue was forwarded to a representative named XXXX. He called me on XXXX stating that the company was not able to trace my phone call, that there is fine print stating a credit check will be performed on all online applications, and that Capital One would be unable to remove the credit pull. I told him that his results were unacceptable, asked him to recheck the phone records, and gave him a home phone number to check even though I believe I made the phone call from my cell phone. 
I am asking that the hard credit pull be removed and that Capital One train their representatives to avoid this situation in the future.
Product: Credit reporting or other personal consumer reports

reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Apencies have assumed a XXXX role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for tije account ( XXXX XXXX XXXX ) : ( XXXX ) Piease investigate and provide Proof with statements showing that these payments were late. if proot can't be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a fraudulent account. I have reached out to Transunion & XXXX XXXX, on multiple occasions to let them know this and both have given me the run around. This account, Account number XXXX, says it was originally opened back in XXXX, but didn't start reporting until XXXX, XXXX. From XX/XX/XXXX to XX/XX/XXXX, it reported on time payments, and from XX/XX/XXXX to XX/XX/XXXX, there were no more payments made, and the account was closed in XX/XX/XXXX. I NEVER MADE 1 SINGLE PAYMENT, NOR OPENED THIS LOAN. This creditor can not show proof of 1 single payment, or deposit of a payment, because there was none never made. This is not my account. I would like an immediate investigation and for this account to be removed ASAP. 

It is the agencies responsibility to ensure that all the information is reporting accurately, and under the FCRA, this is not.
Product: Credit card or prepaid card

I had two accounts with Pentagon FCU one was a credit card and the other was an installment loan. The first one, the credit card, has comments stating that I never made a payment. I believe this to be inaccurate but the none the less I do owe this debt. The second account, installment, shows a balance of {$66.00} on one bureau and zero on the other two. I have gone to the bureaus asking for confirmation of the debts. The only response I have received is that it was verified. I sent letters to Pentagon directly and got no response. In my frustration I decided to settle the two accounts in hopes of getting them removed. I sent a letter in XXXX with a settlement offer and again received no response. I called them around the end of XXXX and they said they would not talk to me I had to send my request in writing and it had to be faxed. I wrote anther letter with the settlement offer and faxed it directly to them. It has now been two more months with no reply. I called them again and they said they have no record of me and would not assist me. They can't find me but they continue to report negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

By filing this CFPB complaint, I, XXXX XXXX, am informing the credit reporting agencies that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put on my report. The following is a list of the accounts and objects that do not belong to me or that were opened without my consent : XXXX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, KY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days from the date of receipt.
Product: Mortgage

I have called summit funding which is my mortgage lender multiple times on a double escrow base taking out of my account from two different companies. I have went through the process of showing the first company that pulled out of my escrow for home insurance that I was utilizing the one that I chose. I never authorized the first one to pull {$520.00} out of my escrow and the first place and that money has never been returned to me and now my escrow balance is in the negative period I've been dealing with this problem with summit funding since XXXX I have called them multiple times sent emails multiple times and I can not get the situation to be reviewed and my money returned to my escrow. Now my monthly mortgage bill has gone up almost {$200.00} more a month.
Product: Debt collection

I am behind on my Balance with Conn 's Home Plus They call from at least 3 different phone numbers 10x-14x per day. I noticed this repeated calls first on XX/XX/2019. I caught up on some payments but this miss a payment and the calls start again. 
These are the numbers they call from : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX On XX/XX/2019, I received 14 calls on my cellphone. I didn't answer and they never leave a voicemail. The phone number they called from this day was XXXX These are the times : 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. 

On XX/XX/2019 they called 10x. From both numbers combined ( XXXX ) XXXX ( XXXX XXXX XXXX. This is after I made two payments but I am behind one week. 
These are the times : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX They call like this everyday, with the exception of Sunday they may call 1-3 times. Current calls have been frequently
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Dear EXPERIAN Subject : Settlement Demand Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I am writing to address the willful violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX which has resulted in significant damages to me. 

Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I am entitled to statutory damages for your violation. I am willing to settle my claim for the damages I have suffered in the amount of {$1000.00}. 

Please send payment in the form of certified funds to the address listed above no later than XX/XX/year>. That is 15 Days from the date of this letter. 

Should you fail or refuse to settle this demand, I will have no choice but to seek actual damages, which I believe will exceed {$1000.00}, as permitted by law. 

I look forward to your prompt response to this matter. 

Best Regards, XXXX XXXX XXXX
Product: Debt collection

I recieved a letter from XXXX XXXX XXXX, XXXX  Attorneys at law claiming that they are collecting for XXXX XXXX reguarding XXXX credit card. I am disputing this collection because this account was already under dispute with XXXX.
Product: Checking or savings account

On XX/XX/2024, I signed up for a UFB Direct Secure Savings account that came with a 5.25 % APY. On XX/XX/2024, I opened a UFB Direct Freedom Checking account. Opening the account offered the possibility of boosting that 5.25 % on the Secure Savings account by UP TO 0.20 % by completing one or more of 3 steps. Step 2, as listed, required {$5000.00} in direct deposits per month into the account, and it would boost the rate by 0.05 %. NOWHERE does/did it state that you have to complete ALL three steps to get any boost. Each step could be completed individually to be eligible for a boost. Now UFB Direct is denying me the boost of 0.05 % even though I deposited {$5000.00} in both XXXX and XXXX. I'm still just getting the 5.25 % on the Secure Savings account. 

UFB Freedom Checking - https : //www.ufbdirect.com/pages/checkingaccount Checking Designed to Boost Your Interest Rate Open a UFB Freedom Checking account and earn up to an additional 0.20 % Freedom Boost* on your UFB Savings or Money Market account. 

* UFB Freedom Checking is a non-interest-bearing account. To receive the additional 0.20 % Annual Percentage Yield ( APY ) on a UFB Savings or Money Market account owned by at least one owner of the checking account, you must complete the following : Receive monthly direct deposits totaling {$5000.00} or more. Once completed, you will earn your first 0.05 % rate bump and unlock the other interest-earning options. 
Earn an incremental Freedom Boost of 0.10 % on your corresponding savings or money market rate if your UFB Freedom checking average daily account balance exceeds {$10000.00} per month. 
Earn an incremental Freedom Boost of 0.05 % on your corresponding savings or money market rate by using your UFB Visa Debit Card for a total of 10 approved transactions per month ( min {$3.00} per transaction ). 

XXXX on XX/XX/2024 stated " I'm sorry about the confusion regarding the advertised boost. When setting up direct deposit into your checking account that totals a minimum of {$5000.00}, you will qualify for the boost of 0.05 %. However, this increase will not reflect under the account details section where your rate is listed as the actual account rate on the Savings account is 5.25 % APY. When requirement is satisfied, this increase will reflect in your monthly statement. '' Not true for either XXXX or XXXX. 

Now XXXX and XXXX are trying to tell me that I have to satisfy all three steps. As you can tell from the above, that is NOT what the website and the fine print states. 

I know UFB Direct is a subsidiary of Axos bank, which has shown very shady business practices in the past when I had accounts directly through them or through Nationwide.
Product: Money transfer, virtual currency, or money service

XX/XX/year> electronic transfer from XXXX to PNC BANK of {$2100.00} for my daughters rent. got call later from Landlord stating it did not go into her account. called my bank and they said it went thru. they gave me a copy of the trace number and copy of the transaction. called PNC they wouldn't talk to me said I wasn't their customer so called the landlord she three ways called. they said never received money. we gave them trace number says still didn't get. So, we filed a dispute with my bank, called PNC bank back and again refused to talk to me so we three ways called, still claim they don't have and are washing their hands of it. even though we had a dispute. now my bank says they can't do anything because they paid it and it is out of their hands that i need to go after PNC Bank which won't talk to me and the account that i paid to for the rent the lady does not speak much English. so basically no one is being accountable for the missing money even though there is proof and correct routing numbers and account numbers. Iam not a rich person and can not afford {$2100.00} to just disappear. I have proof money left my bank and went to thiers and account numbers and everything but no one is being accountable, what can I do now?
Product: Checking or savings account

My phone was stolen in XXXX at around XXXX XX/XX/2023. I noticed transactions were being made after calling my bank. Claim was started with Santander bank for 3 claims in the total amount of {$8000.00}. Today I receive notification that my claims were denied due to inconsistency. My phone was stolen and money was transferred out of my account and it wasnt done by me. Please help
Product: Checking or savings account

I believe these entries have not been properly verified by the reporting banks. According to the Fair Credit Reporting Act ( FCRA ), all information reported to consumer reporting agencies must be accurate and verifiable. I am requesting an investigation into these accounts and their immediate removal if the banks can not provide concrete evidence that these accounts are indeed mine, such as account opening documents with my signature or other evidence of my authorization. The presence of these unverified or inaccurate accounts is negatively impacting my ability to open new bank accounts and manage my financial affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX, and XXXX, several times by mail and by phone. This is regarding an account with Westlake Financial Service. I have also contacted Westlake serval times by mail and by phone. The account is reporting on my credit report is inaccurate, not valid, and not meeting FCRA requirements. I have sent 3 letter to each credit burau and three letters to Westlake informing them the account has yet to be removed. The credit bureaus have not provided me any documentation showing  how this account was " allegedly '' verified. I have file for identify theft and a credit feezed serval time as my information was apart of a data breach.
Product: Debt collection

I keep getting calls and letters from ERC in XXXX, FL about a XXXX XXXX XXXX XXXX account. ERC contends that I owe a debt to them, but when I followed up with XXXX XXXX XXXX to verify the " bad debt '', XXXX XXXX XXXX has no record of the account. No acct #, nor any other pertinent information that i am entitled to as a consumer to dispute. If XXXX XXXX XXXX can not verify the debt than ERC can not verify the debt, and therefore according to the FCRA they are not allowed to harass me at anytime for a " debt '' that can not be verified. I work hard to maintain my credit stature, and will not let any unlawful company threaten me.