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

I disagree with the account listed below which 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  ACCT # XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX
Product: Credit reporting or other personal consumer reports

These hard Inquiries are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. Thanks 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Equifax Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax Equifax Equifax XXXX XXXX XXXX Equifax Equifax XXXX Equifax Equifax XXXX Equifax Equifax XXXX Equifax Equifax
Product: Debt collection

Commenity continues to report account balances and accounts as delinquent after having been provided with an FTC Identity Theft Report. They falsely claimed that this was not sufficient and demanded a police report which was filed and supplied and Commenity 's response was that it was too late because they had sold the debt. This is a violation of consumer law which, hopefully is now being enforced again after the four miserable years of the XXXX XXXX 's dereliction of its duty. 

There are, as listed on the attached FTC report which, according to the FTC is all that is needed " When it comes to reporting and recovering from identity theft, were simplifying the process by eliminating the need for a police report in most cases. 
How does it work? When you report identity theft using IdentityTheft.gov, youll answer some questions about what happened. IdentityTheft.gov then uses your information to create the tools you need to begin your recovery, including : a personal recovery plan pre-filled letters to send to merchants, banks, and others affected by the identity theft, and an Identity Theft Report, which is your official statement about the crime. '' ( XX/XX/2017 by XXXX XXXX Attorney, Division of Consumer & Business Education, FTC ) Further, Regulation Z Subpart G applies here as Commenity claims they are charging me for property delivered to me that was not : Paragraph 13 ( a ) ( 3 ) 1. Coverage. i. Section 1026.13 ( a ) ( 3 ) covers disputes about goods or services that are not accepted or not delivered * * * as agreed ; for example : A. The appearance on a periodic statement of a purchase, when the consumer refused to take delivery of goods because they did not comply with the contract. 

B. Delivery of property or services different from that agreed upon. 

C. Delivery of the wrong quantity. 

D. Late delivery.

E. Delivery to the wrong location.

ii. Section 1026.13 ( a ) ( 3 ) does not apply to a dispute relating to the quality of property or services that the consumer accepts. Whether acceptance occurred is determined by state or other applicable law.
Product: Credit reporting or other personal consumer reports

Usaa is not being truthful when doing the investigation of the account that they are reporting to my credit report. They know they are reporting multiple times because they have verified to me verbally back in previous disputed that they are reporting charge off monthly. I disputed it with XXXX this has to be the XXXX time maybe even more and they always respond as verified as XXXX stated " the information comes from the creditor ''. Also in the statement they stated they have no control over how credit reporting agencies report. That is not true under FCRA 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- they do have control. I even submitted PROOF of how they are reporting monthly and attached the dispute along with the dispute letter thats were sent. Indirect or not you guys have received numerous disputes in regards other usaa account being misleading and are not even complying with fcra laws that you are avoiding INTENTIONALLY. They said no errors were found however the errors were attached and sent in previous complaint. They did not investigate it clearly if thats their response because the proof is there clear as day. Mind you they are not even repotting accurate on other bureaus. 
The monthly charge off payments that report monthly clearly indicate a monthly payment history..which is misleading. Attaching all my disputes in regards to usaa. We Below I will attach additional information and proof that usaa is continuously violating fcra laws and not being honest about their investigation and I will attach the response they put to on previous complaint.

Below has the monthly reporting I spoke about numerous time. This is my last time addressing this issue with you usaa fsb. Also Under 15 U.S.C. 1681i of the FCRA, if I dispute information reported to a credit reporting agency, the creditor is required to investigate the dispute and respond to the credit reporting agency with the findings. As part of my right to ensure accurate reporting, I am requesting that you provide the verification process you followed when submitting the information. 
If the information can not be verified with supporting documentation, I respectfully request that you remove the incorrect entry from my credit report as I disputed this over XXXX times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ignored 609 request and never provided written contract for a debt on my credit report, but said an investigation was completed.
Product: Credit card or prepaid card

Hi, I have been a customer of the American Express Platinum Card since XXXX. They decided to " cancel '' my credit card without any explanation. The credit card was never overdue, all payments were cleared and does not have any outstanding balance. 

I reached out to American Express Customer Service multiple times yet they are not reinstating my credit card. I asked them why my credit card was " canceled '', but I did not get any answers and I am being asked to apply again. 

I need CFPB assistance in this regard to reinstate my card as it was canceled for no reason. 

Please help. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX Account # XXXX this account is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed
Product: Debt collection

Had 4 phone calls in one day to my cell phone about debt collecting. 
They are asking to talk to a XXXX XXXX ... ... Not me ... .Never heard of him. They got the wrong number! I keep explaining to them you got the wrong number and they get very rude!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are falsely reporting late payments for XXXX, 2019 on the XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) XXXX did not have a direct customer service telephone number until very recently. At this time, they could only be contacted via email. I sent multiple emails to their representative to change my payment information. I was never contacted, nor were my emails ever acknowledged and nobody ever got back to me. Consequently, because of their lack of communication I was punished with a late payment on my credit report. This incorrect reporting is harming my credit score. Please delete these late payments from my credit report.
Product: Credit card or prepaid card

On XX/XX/2017, I went to XXXX XXXX to make a purchase because I had gotten some coupons in the mail ( which can only be used IF you use your XXXX XXXX card ). Knowing that I had not used the account for a while I went to the store with the only XXXX XXXX card I had. the sales rep that helped me throughout my purchase ( I am sure she was getting commission for the sale and anything else that happened ) asked me for my XXXX XXXX card, which I gave to her. She ran it through and said the account was not active. I told her that I knew that I had an active account because I was still receiving the coupons and I had made a purchase within 6-12 months but I did n't recall exactly. The rep advised that she could not find any active accounts under my name and asked if I wanted to submit an application for a store card so I can use my coupons ( 25 % off sale ). I said yes. As soon as I completed the application on the pin pad, the sales rep tells me " I found your account! '' printed a day-pass ( that acts as a bar code for my card ) and said that if I had n't received a card for this account to call customer service for it, which I never received the card. What seemed to me was a weird transaction became even worse when I received an adverse action letter from XXXX XXXX credit advising that I was not approved " because I already had a XXXXXXXX XXXX account and I could not have 2 open ''. I called XXXX XXXX credit, advised of the entire situation. The issue is, that if the sales rep would have completed their due diligence PRIOR to the application, I would not have submitted it and I requested XXXX XXXX to remove the credit inquiry. The rep on the phone said no, because I submitted the application, which is n't the issue. It seems, that the rep does not understand the concept of Unfair and Deceptive Acts in order to have a customer submit a new credit application ( when in fact it was not needed! ). I know the sales rep got commission for my purchase, but also makes me wonder if they get credit for submitting credit applications. Again, if the rep would have reviewed my profile thoroughly BEFORE making me submit an application, she would have found my ACTIVE account and the application would not have been needed. I believe this is negligence on the XXXX XXXX rep side and because of it the inquiry should be removed. They are in clear violation of UDAAP by not doing their due diligence in finding my account before they made me submit the application.
Product: Mortgage

I brought my loan current XX/XX/2019. Specialized loan Servicing company sent me the amount that my loan was behind. This included everything that was due. I sent payment to company. I received statement for next payment and it states that I am behind and they have a {$740.00} due. I called SLS company to ask what the charge was? I was told I would have to email them and they would get back to me. I emailed them XX/XX/2019 and I have not heard back from them. I received a urgent notice in my front door dated XX/XX/2019. The notice states that an independent field inspector came by to inspect the condition of the property? I never received a notice or phone call asking me when I would be available? I was informed that SLS stopped by my house again today XX/XX/2019. This is harassment. I have been this this mortgage company about a month. My loan was sold to this company from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$150.00} {$140.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$150.00} {$3500.00} These were payment made to this debt collector with the agreement to resolve the judgments with ( XXXX XXXX ) & XXXX XXXX XXXX. 
However, I continue to receive letters threating to garnish my wage.
Product: Vehicle loan or lease

On XX/XX/XXXX I went into XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, TN XXXX and applied for a XXXX XXXX XXXX XXXX XXXX pricing at {$8600.00}. I originally spoke with XXXX ( a car salesman ) who was able to get to financing and get me approved for the loan I was requesting. When he brought over the offer document it had an additional fee as he stated was for XXXX that was not in the original amount nor in the specified fees online. He then told me that XXXX is in the fine print. I then asked him to show me where it was in the fine print he was not able to pull it up so he asked his manager XXXX to look it over and they proceeded to print off a new offer showing a RECONDITIONING fee. I asked to speak with the manager XXXX to come over. I explained to the manager that fee is not stated on the website either. And that I am aware the only fees that should be charged are taxes, tags, title, and sometimes doc fees. XXXX proceeded to say that he would contact his general manager to try to get the fee removed. He went to a back room and came back XXXX minutes later stating he could not remove the fee and would need a {$3000.00} down payment. This company broke the law! Per 15 USC 1662b & the Truth in Lending Act it is against the law to state that a specified downpayment is required in connection with any extension of consumer credit. And per 15 USC 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.

( 2 ) Service or carrying charge.

( 3 ) Loan fee, finders fee, or similar charge.

( 4 ) Fee for an investigation or credit report.

( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. 

I have attached photos from the dealers website to support my complaint.
Product: Mortgage

I just refinanced my mortgage. My mortgage broker sold the mortgage, unfortunately, to Wells Fargo. The first communication that I have received from Wells Fargo is that they do not have proof that I have hazard insurance. I do have insurance but it has not been paid this past month because the mortgage broker took a while to sell the mortgage ( XXXX XXXX ) due to an error that we pointed out when we signed the refinance documents. My homeowners insurance ( which includes hazard insurance ) is now supposed to be paid by Wells Fargo themselves on my behalf through my new Escrow account. Instead of looking into the circumstances, sending my information of the purchase of my mortgage, informing me that I have to pay XXXX ( my homeowners insurance ) contemporaneously, they chose to send me an initial letter in which they threatened to buy insurance on my behalf which will ( 1. ) be more expensive and ( 2. ) provide less coverage. This seems consistent with Wells Fargo 's practices of forcing unnecessary financial products on customers. Over my 5.5 years with a mortgage held by XXXX, I have not once had any problems. In my first communication with Wells Fargo, I have already have problems and ones consistent with their well known practices in the industry.
Product: Debt collection

I did rent an apartment at XXXX XXXX, but never received any correspondence of outstanding moneys owed. After checking my credit, ProCollections is reporting a collection for {$1200.00}. I disputed this collection account through the bureaus and I send a letter to ProCollections asking for validation of this collection and an itemized list of charges and fees that total {$1200.00}.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> since then the account has repeatedly been updated as charged off every month, this is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX  XXXX number XXXX ( CLOSED ACCOUNT )
Product: Credit card

I have overpaid my credit card balance by {$1000.00}. I have called 3 times and they will not send me a check. It has been over 6 months now.
Product: Debt collection

I sent letters to all three major bureaus the date of the last letter to XXXX was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my credit report : AFFIRM INC-XXXX-Balance : {$0.00} AFFIRM INC-XXXX-Balance : {$0.00} AFFIRM INC-XXXXBalance : {$0.00}
Product: Checking or savings account

I work XXXX jobs, so making it to the bank during banking hours is almost impossibleXXXX XXXX night, I went to deposit my cash into the ATM in the front of US Bank in XXXX. Instead of my funds being available, I received a receipt saying there was a machine error and to contact my bank. Since they were closed, I called customer service and they transferred me to their dispute department. After going through the process, and because of not knowing the exact denominations of the cash ( the receipt I received showed the amount of cash I had put into the ATM ) I was told I could not file a dispute and they transferred me to back office. After telling the rep for back office the situation, she told me she could not help me and transferred me back to customer service who then told me after telling the situation a fourth time, that I just had to go into my branch. I had to leave work early, unpaid, to try to resolve the issue so I could pay my bills that were due the prior day. I deposited cash so my funds were available immediately and I could make sure that my bills were already taken care of. The teller I spoke to was repetitive and all she could say is I understand how this is inconvenient for you. She did make a copy of the receipt printed by the ATM and took down my information. Now, I have astronomical late fees that that I have to now work XXXX total days at XXXX jobs to make sure these late fees for my bills are paid. Not to mention, that money was also supposed to go towards my rent due on XXXX ( XX/XX/year> ).
Product: Debt collection

The XXXX XXXX XXXX XXXX XXXX XXXX  have been constantly sending me letters, certified mail and phone calls to collect debt. I advised the multiple times that I do no have the full amount to pay back but I can set up a payment arrangement. Each time she denied my payment arrangement saying that is unacceptable. It has become harassment because of the high volume of letters and calls along with the threats and judgements to levy my bank accounts. I have made attempts to make payments but they refuse my offers. It is causing me stress due to the liens and communications sent to my banks and employers. The law office has also added on additional legals upon ones already added. This has caused even more hardship because now I owe more more than I did before.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian all show inquiries to businesses that I have never given permission to there were too many for me to list hard inquiries as well as soft
Product: Credit reporting or other personal consumer reports

Request to Remove Inaccurate Credit Information After reviewing my credit report, I have identified the following item ( XXXX ) that are incorrect : XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please supply information on how you have verified this item. Since I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate to the fair credit report act. 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. This account { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX }, is not complete and it's not accurate. 

{ XXXX XXXX XXXX XXXX XXXX XXXXXXXX } open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

I sent a letter on XX/XX/year>, asking them to reinvestigate this account { XXXX XXXX XXXX XXXX XXXX XXXXXXXX } and here the tracking number XXXX. 

I got the investigate back but noticed was modified or updated. 

So I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 U.S.C. Sec. 1681i7.

In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated and eliminated from my report. It is my understanding that you will verify these items with the respective creditor. Please remove any information that can not be verified by the creditor. I am aware that according to 15 U.S.C. Sec. 1681i ( 7 ), you are required to complete this investigation within 15 days of receiving this letter