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

On XX/XX/2022, I submitted a dispute to XXXX, XXXX, and Experian about some accounts that did not look right on my credit report. According to the FCRA, the bureaus must be able to provide the original documentation, we requested, for any and all accounts listed within 30 days. I requested that documentation and did not receive the method of verification within that time frame. 

I then sent a reinvestigation request on XX/XX/2022, to provide them a second opportunity to provide me with the method of verification, and still nothing has been received. 

At this time all three bureaus are in violation of the FCRA and I am filing this formal complaint with the CFPB. The accounts and reason for the investigation are listed below. 

XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX  XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear, XXXX I received a copy of my credit report and I have found the following items listed below to be in error. Account Name- XXXX XXXX XXXX XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, XXXX OR NAVY FEDERAL any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX has caused severe stress and XXXX due to the abusive and unfair practices. This account is also is be reported as late when I never was never late on any payments. NAVY FEDERAL even acknowledges the fact I wasn't late on any payments based on the fact they are reporting the account as never later/paid on time. This is a violation of 15 USC 1681 s-2 because NAVY FEDERAL/XXXX  have a duty under said title to report on my consumer report with 100 percent accuracy. NAVY FEDERAL/XXXX are obligated by law to delete all late payments associated with this account and report the account as Never late/paid as agreed across all 3 consumer reports. 
Both NAVY FEDERAL/XXXX, should be ashamed of themselves for ASSUMING this role and position to constantly commit fraud and cause harm to consumers!
Product: Credit reporting or other personal consumer reports

XXXX. Account name : XXXXXXXX XXXX XXXX - This account was created by x spouse who taken my identity while on active-duty orders in military. 
Account number : XXXX Original creditor : XXXX XXXX Account number : XXXX Date opened XXXX XXXX, XXXX Open/closed Status updated : XX/XX/XXXX Account type Credit card Status : Account charged off. $ XXXX off. {$10000.00} past due as of XX/XX/XXXX. 
Balance : {$10000.00} Balance updated : XX/XX/XXXX Credit limit : {$10000.00} Last Payment Date : XX/XX/XXXX Past due amount : {$10000.00} : Highest balance : {$10000.00} XXXX. Collection Agency : XXXXXXXX XXXXL- This account is fraud as well I was never joint on any account with my consent or knowledge Original Creditor Name XXXX XXXX XXXX XXXX XXXX Assigned : XX/XX/XXXX Original Amount Owed : {$3900.00} Amount {$3900.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code JOINT_ACCOUNT Account Number # # # # # XXXX Creditor Classification FINANCIAL Last Payment Date Date of First Delinquency XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX This account XXXX supposed to be taken off credit from creditor Account number XXXX Date opened XX/XX/XXXX Closed Status updated XX/XX/XXXX Account type Auto Loan Status Paid in settlement. $ XXXX off XXXXXXXX XXXX XXXX  XXXX This account is fraudulent Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} Account number : XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Status updated XX/XX/XXXX Account type Collection Status : Collection account. {$530.00} past due as of XX/XX/XXXX. 

XXXX. XXXXXXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Reported Balance {$0.00} Account Status PAYS_AS_AGREED Available Credit {$600.00} High Credit {$350.00} XXXX XXXX XXXX XXXX XXXX {$600.00} Account Type REVOLVING Terms Frequency MONTHLY Term Duration Balance {$0.00} Date Opened XX/XX/XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount {$310.00} Date of Last Payment XX/XX/XXXX Date of Last Activity XX/XX/XXXX Scheduled Payment Amount Months Reviewed XXXX Delinquency First Reported Activity Designator PAID_AND_CLOSED. 

XXXXXXXX XXXX XXXXXXXX ( CLOSED ) - no knowledge of this account fraudulent Summary Your debt-to-credit ratio represents the amount of credit you're using and generally makes up a percentage of your XXXX XXXX. It's calculated by dividing an account 's reported balance by its credit limit. 
Account Number XXXX XXXX Reported Balance {$0.00} Account Status PAYS_AS_AGREED High Credit {$48000.00} Payment Responsibility INDIVIDUAL Credit Limit Account Type INSTALLMENT Terms Frequency UNKNOWN Term Duration Balance {$0.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Last reported XX/XX/XXXX {$6300.00} Open balance XXXX XXXX  XXXX Original creditor XXXX XXXX- XXXX XXXX Furniture Opened XX/XX/XXXX ( XXXX mos ) Account status Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out a letter to Equifax, XXXX, and XXXX  concerning my credit report. Due to suspicious activity on my credit report. I simply asked Equifax, XXXX, and XXXX  to validate and verify the information that they have on file concerning collections accounts and Hard inquires that they are reporting on my credit report. They have failed to send me anything that validates or verifies what they are reporting. With failure to do so, this matter doesn't just effect me, it effects my family. I am unable to apply and get approved for a home, a vehicle for transportation, and getting a good job. I would like to be rectified of this matter immediately. I have been trying to get this matter under controlled but got no where after 30 days and then a second letter another 20 days of waiting on a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an PNC core visa account 2yrs ago. As the no interest terms was ending I spoke to the manager at the XXXX location and asked if there is a way to extend the no interest. He explained that I could apply for another and transfer the balance if I qualified. The manager at this location I've gone to for banking advice regularly and when I applied for the first Core Visa he took my information and did the application for me. He applied and got me the other Visa and told me to bring in the checks from the new Visa to pay the other Visa balance. I did this and he paid off the balance except {$930.00} XXXXwo days before the payment was due on this card. He explained what he did and told me that the next payment I could pay it or the payment required. The next month I received both bills and paid the new card monthly min. payment but had questions with the old card because it was the same monthly payment I use to make before the balance transfer. I questioned this with that manager and he agreed and said that he would call their credit card service dept. to see why. He told me to not wait to pay it until he speaks with them. I asked  him about them reporting if I don't and he said no because it will be in disputed while he worked on it. I checked in with him a couple of times and he was still working on it. But the last time I called they said he no longer work there. Also at this time I received info about my credit dropping 200 points because of this. None of my PNC accounts has ever been paid late and if my report is looked at it reflects that. Missing payments doesn't fit my history. I've contacted PNC about this and they are refusing to fix this. I was directed by one of their banking officials what to do and feel as if I did everything I should have as a consumer and believe this is been miss reported. It doesn't make any sense that I would pay all of my other PNC accounts and not this account without being told by the manager of the branch. They aren't standing by what they tell their consumers because while working and trying to resolve this with them I agreed with Ms. XXXX in esclation dept. to pay the remaining balance of {$930.00} in full and she would remove the late fees. I paid the balance in full but they still have a {$53.00} bal. that shouldn't be there per our agreement. Now if I don't pay that bal. they will miss report that as well as not paid and continue to ruin my credit. This isn't fair to me as a consumer because I use my credit to make a living as well. PNC needs to fix the errors on my credit report and the balance on the old card per their agreement made by their employees. You go to a banking official to get guidance because that's not your profession and supposed to be able to trust the advice they give. Please help me with this complaint, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint for TRANSUNION. I believe that my information is being misused and reported as inaccurate. In my credit report from XX/XX/2023, I found some derogatory items that I was not aware of. I found late payments which never happened and accounts with inaccurate information, such as payment history, status,, balances, and date of last activity. According to 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

PNC would not allow me to initiate an ACH from XXXX to withdraw funds from my personal checking account, and it will not let me use my PNC debit card for that either ... given that I can not make international wire transfers from my personal account online, they are blocking every way I have to transfer money outside the USA.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite being a frequent Zelle user and reporting discrepancies, my financial institution and Zelle failed to investigate my claims thoroughly. I was informed that recovering lost funds was impossible and that tracking these transactions was infeasible. 

The CFPBs findings reveal that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users increasingly vulnerable to scams. This lack of responsibility, transparency, and accountability is deeply troubling and raises serious concerns about consumer safety. It is imperative that Zelle takes immediate steps to address these issues and prioritize the protection of its users.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Request for Compliance FCRA 15 U.S.C. 1681i & Inaccurate Information on Credit Report Dear Experian I am writing to express my concern regarding my recent credit report, and to request your prompt attention to some issues related to a dispute I filed with your agency. Upon reviewing my credit report, I have found that certain items have not been properly handled in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and I believe these matters require immediate attention. 

As a consumer reporting agency, Experian is required under the FCRA to conduct a reasonable reinvestigation of disputed information and to provide a written notice of the results of the reinvestigation within five business days after completing
Product: Credit reporting or other personal consumer reports

Regional Finance is still reporting false information in my credit report. I reached out to the branch manager in XXXX Nc on the XXXX of XXXX I believe it was to see what is going on. She informed me that there are no lates reporting on my credit report. However, I keep looking at my XXXX and XXXX  and it's now showing 90 days late with XXXX and XXXX  days late with XXXX. on XXXX it's showing late for XXXX, XXXX, and XXXX, on exeperian it's showing late for XXXX and XXXX. I reached out to the main office and they said the report at the end of the month. however, theyve been reporting to XXXX on XX/XX/XXXX with false information and XX/XX/XXXX with false information on XXXX and XXXX this is preventing me from getting credit and ive already reported them to the XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX - XXXX : I never paid late PREFERRED CUST JEWL - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX BXXXX XXXX XXXX XXXXXXXX : Unverified account
Product: Bank account or service

I have an American Express Debit card which was stolen from me on XX/XX/2017 along with my phone. yes I know its not ideal to keep your pin and password information in you wallet but I did. I filed a claim once I had realized that card had been being used which was on XX/XX/2017. 10 business day have clearly passed and they keep give me the run around, I have not received a resolution, provisional credit, nothing! I have contacted them on numerous occasions and have even been transferred to manager to manager and all the keep saying is that they are escalating it since they can see I filed the claim on XX/XX/2017 ... today is XX/XX/XXXX and we are 4 days pass regulation e what can I do now?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows I still have a open dispute for XXXX dollars. I paid the XXXX dollars in XX/XX/18 the report was never removed after being assured by 2 other people and it ruined my chances of getting a house. I was declined the opportunity. This is unacceptable I would like to move further in life knowing I can get a home of my own. Please help my Im on a very limited amount of time and would like a home of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is the 3 attempt to get this resolved and over a year of lies misleading info and empty promises.

they agreed they never opened or trying to investigate the complaint the first time 2nd time only responded to the original agreement that we agreed on not what was told and agreed on the phone to pay faster 3rd time again based it off original agreement again in mediation and gave me {$6.00} for stealing my money for 3 weeks in my worst time i had nothing left for the month for gas of food
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and was shocked to discover that I have been a victim of identity theft. Several accounts appeared on my report that I did not open. I am distressed that this incorrect information has been included in my credit profile and that your procedures failed to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information, and every effort must be made to ensure this accuracy. I have already contacted the Federal Trade Commission and filed complaint # XXXX. 

I request that you block and eliminate all inaccurate information from my credit report and provide me with an updated copy in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of such accounts within 4 business days of receipt. Please ensure the removal of all information related to identity theft, including : XXXX. XXXX XXXX, Account number : XXXX. 

Additionally, under the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand actual proof that the information was verified, not just a computer-generated confirmation. 

Please provide the following details : 1. The names and business addresses of each individual with whom you verified the information, so I can follow up.

2. The dates on which you contacted the individual information furnishers.

3. The method of communication used to verify the information.

Thank you for your prompt attention to this matter.
Product: Debt collection

I am writing in reference to a car I purchased back on XX/XX/2011, financing done by Toyota Financial Services, XXXX TX. I voluntarily called and gave the car back because it was impossible for me to continue with the payments and fixing of the many problems that car had since the moment I bought it. I tried to return it using the Lemon Law but because the car had more than 8000 miles at the time I bought it didnt applied. After the warranty expired I had to go to XXXX XXXX and XXXX XXXX to have additional repairs done. I was told by this company that the amount of the repairs was going to exceed the first estimated I was given by them. At that time I had no choice but to call the financial company and request to have the car pick up at the body shop and have it voluntarily surrender by me. 
I had to keep making the payments of my loan as you can see in the documents that I am attaching and just three months after I finished the last payment because I couldnt keep making them the same body shop took over the car as you can see in the Tag records that I am also attaching. The car since then had had many other owners ; proving that I dont owe the total amount, first because I made payments, and second because it was sold several times after it was repossessed. 
I have call several times the financial company, my calls have been escalated to higher levels with no results, they can not find a bill of sale, my payments or anything related to what they have done with this car after me. This has been going on for years. This financial company put on my credit the full amount plus repo expenses and the same it is happening with a XXXX XXXX  that I had just received. 
LAST YEAR I RECEIVED A CERTIFICATE OF TITLE ON MY NAME AS IF MY LOAN WAS PAID OFF AND I HAD A CLEAR TITLE OVER THE CAR. I CAN ACTUALLY PROCEED TO FIND THE CAR AND HAVE IT IN MY POSSESION ACCORDING TO THIS CLEAN CERTIFICATE OF TITLE EVENTHOUGH THE CAR HAS A CURRENT OWNER THAT MAY BE FINANCING OR IS ALSO HAVING AN ADDITIONAL CLEAN TITLE. 
This is my last attempt to have this matter resolved. This matter is costing me money, time off my work, stress to unimaginable levels because now the matter is with the IRS and I am not willing to pay taxes in an amount that is not correct just due to many clerical errors done by the XXXX XXXX XXXX. When it was on collection I tried to have the amount corrected to be able to make the payments and they couldnt have it fixed either. 

Your cooperation in this matter is very much appreciated since time is of the essence because my time it is limited to have this matter resolved with the IRS and again I refused to pay for errors made on your end. I am willing to do whatever it takes to have this issue resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a letter from the U.S. Bankruptcy Court XXXX  District of Ohio in reference to me filing for it in XXXX. I got a letter back from the Clerk stating that they do NOT report to ANY credit bureaus yet my Bankruptcy ended up on all three of my credit reports and has been for over 8 years. I got a message back from one of the credit bureaus that suggested that XXXX put that information on them. I sent XXXX a letter requesting 'demanding '' that they REMOVE said info from their data base and they did HOWEVER Experian, XXXX and XXXX REFUSE to remove said information even when I mailed them the same info I sent to XXXX XXXX 

XXXX had no business reporting my bankruptcy to the credit bureaus, they are NOT a credit reporting agency they SAID they are a consumer reporting agency which does not LEGALLY qualify them to report any financial information to any creditors or credit agencies.
Product: Debt collection

On XX/XX/XXXX or XXXX 2020 I can't remember the exact date I called to settle this debt was to make a settlement back in XXXX of XXXX but everything shut down due to the covid and I loss wages. So when I called to try to settle again the rep was very nasty to me and asked me if I couldn't pay the settlement offer then and there why would I be trying to fix my credit right now which was very disappointing to hear. she was just flat out XXXX to be a floor supervisor.. Then called today which is XX/XX/2020 came up with a settlement amount of XXXX agreed to that then the guy says if you can't pay it by XXXX of XX/XX/2020 then you have to pay the whole amount of XXXX if I needed 30 days. I then said to him agency 's usually give you 30 days to pay the settlement amount so you and them can get the agreement in written, he then said use your common sense " NOT EVERY AGENCY HAS THE SAME RULES '' I then said to him how unprofessional that was. He says if you need to XXXX XXXX you can't get the settlement you have to pay the full amount. I explained to him I don't need that long I just need 30 days from today which would be XX/XX/XXXX he said NO!
Product: Credit reporting or other personal consumer reports

I reviewed credit report and noticed several inquiries that i never applied for nor allowed to run my credit. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX