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

Since this is my second request, I will also XXXX  provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX to seek their assistance in resolving this issue. 

Please find below my reasons for dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This school is complete fraudulent I attended the school without a high school diploma and they offer me job replacement I was unable to do anything with the degree offered because no one honors the school. When I started school I asked them if I would be able to use my credit to go to another institution to further my education no school accepted the credit from this school and yes I now have my XXXX so that was n't the problem moving forward.i wrote them I disputed because im willing to take legal actions to get my money back so I could receive a loan to go to another school
Product: Credit card

XX/XX/2024 a new credit card on my report I did not apply for, remove hard inquiry and open account, remove immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to dispute items on my credit report or freeze my credit report for the better part of a year. I've been told many times that Trans Union will call me to do 'maintenance ' on my account and this will resolve the issue. I now have a number of fraudulent items on my report I'd like to dispute and Trans Union does not seem to care too much to help me get these resolved. I have called many many times and have been hung up on many times. I need these resolved.
Product: Credit reporting or other personal consumer reports

I hope this communication finds you well. I am composing this letter to request detailed information regarding a dispute that I initiated on XX/XX/year>, and the subsequent response that I received on XX/XX/year> via CFPB Complaint Portal. .Please see the attached document
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence, Engelhardt v. Gravens ( mo ) 281 SW715,719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX balance {$92000.00}, XXXX XXXX XXXX balance {$22000.00}, XXXX XXXX XXXX balance {$810.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allows anyone with an email address to obtain another person 's credit freeze pin. With the recent XXXX  hack, all the needed personal information is available to identity thieves. Experian MUST change this procedure and remove the email option. Pins should be mailed not emailed.
Product: Money transfer, virtual currency, or money service

I have solo professional practice. On  XXXX   XXXX ,    2016 I o pened a new account with the same processor as required through the new Credit card processing machine and program I enrolled in.     The Credit card processor  " Elavon ''  opened my new account as I requested, however they did not close my original account as I requested on     XX/XX/XXXX  and   XXXX   XXXX  2016 .      Now I have found out that they have charged me a total of {$1000.00} in minimum fees on the dormant original account even though I had requested such account be closed and was told it was closed. These fees were improperly taken from my " new '' active account.   Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Has violated my rights. These account has also been removed by XXXX, and XXXX. In which I have the investigation results Showing these items were in fact deleted and should not be reporting my on credit report Please demand Experian to remove these two accounts.

Also under Account # XXXX was also deleted from transunion showing NO derogatory accounts in question. I've attached a copy of accounts listed from XXXX this account is not showing. But it shows on XXXX an exceptional payment history that I do not recall. And it's showing on Experian as a charge off. all this information is inaccurate and does not reflex the true identity of this accounts and should be deleted As soon as possible. 

The last Account # XXXX has also been deleted from my transunion credit report, I received a dispute acknowledgement from the company as well, but it has continued to show up on my Experian and XXXX credit report and should be removed as soon as possible. 

15 U. S. C 1681 section 602 A. State I have a right to privacy U. S. C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit card or prepaid card

A discover financial s credit hard was found in my hard inquiry on my credit. I did not purchase this credit card. Somebody already has my information i'm sure of it. i need the credit card removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal belongings were stolen from me some time ago when my vehicle was broken into. I never was aware of credit so upon checking my credit report recently and trying to get things in order I noticed some accounts were opened without my consent or knowledge. I tried contacting the companies on different occasions I can recall the dates with several failed attempts to remove this information from my credit report. I submitted a FTC report on XX/XX/XXXX and I sent it to XXXX, XXXX and Equifax on XX/XX/XXXX, they received it on XX/XX/XXXX and they have not removed these accounts from my credit report even though the according to the FCRA they're suppose to remove them in 4 Business days. There are 3 accounts XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$10000.00}, XXXX $ XXXX. Included are the FTC report, my dispute letter and proof from the post office and fax document number that I sent these letters and the CRA 'S received them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights.

15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B : A creditor may not treat a payment on an auto loan account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate information and fraudulent status never late and is a XXXX balance My account capital is current and never late and there are duplicates my XXXX XXXX  and XXXX  is paid with XXXX balance why does XXXX keep posting old information and inaccurate information. 
My.XXXX  account is a settlement XXXX balance. XXXX  is continuing monthly to report inaccurate information the disparities and discriminatory action to report fairly and accurately must stop. 
These actions hinders my chance of looking favorable to creditors and financial organizations. It must stop and as a last resort if this continues I will seek legal assistance.
Product: Mortgage

I called American Finance to do a refinance on my current loan. Everything is great until they flat out lie to you. I am not an expert so I trusted them. I was promised by XXXX XXXX XXXX XXXX XXXX | XXXX  XXXX in writing that I would skip two payments after refinancing. They didn't mention that if THEY process the paperwork after the XXXX of the month that it would only be XXXX month skipped payment. I sent all the paperwork as asked and was positive I would skip two payments This is the exact email : They'll fund the payoff to your current lenders accounts ( CHFA ) one business day after closing - and should be zeroed out. Keep an eye out for the escrow refund check in the mail about XXXX after. Those envelopes are not always labeled from the bank, but will be the amount of your current escrow held. 

You'll skip XXXX and XXXX payment - new loan will start in XXXX. If you did make XXXX payment will be refunded with the escrow.. 


I will be at my desk if any questions during the process. Welcome to call me if you need during -- and of course for any follow up questions on funding and new servicer. 

Thank you, XXXX XXXX this email I was also contacted on " a RECORDED LINE '' where this was specified that I would skip XXXX and XXXX Payments. Since I had made my XXXX payment I was expecting it to be refunded in escrow AS PER THEIR OWN WORDS!!!! 

After calling previous lender I was informed that I would not get that money back because American finance had filed after the XXXX. 

When I called to complain everything seemed cordial, they said you are right, we did say that let us try to make this right. After calling back a few days later they said it was passed on to management to see if the " could take a loss since they had said that to me ''. I was told I would be contacted in a few days. 10 days later I called them back and told me their was no malice and there is nothing they can do to get me my money. They where not even going to have the common courtesy of following up as promised if I had not called back. 

These people directly lied went back on their word and then would not even follow up If i had not reached out AGAIN. I feel completely swindled by these people. I Trusted them because I had my original loan through them guess that was my mistake. I would not recommend them to anybody, nothing they say can be believed even though its said on " a recorded line ''. 

TotaXXXX XXXX and not even the decency to give a client a call back Shameful
Product: Money transfer, virtual currency, or money service

XXXX   XXXX   ACCOUNT ... COMERICA BANK DOES N'T SEND UPDATES FOR MY ACCOUNT IN A TIMELY FASHION
Product: Credit reporting or other personal consumer reports

I contacted XXXX Customer service on on XX/XX/year> to inform them that my account is still showing as open on my XXXX credit report. They state that my account is completely closed. They asked me to contact XXXX credit Bureau. I immediately end their call and contact XXXX whom informs me that XXXX verified that my account is accurate meaning I have an open account with a XXXX balance. Both financial services are creating harm to my credit worthiness by blatantly violating the laws and intentionally reporting false information on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

Experion has two accounts for XXXX XXXX as paid - I paid and another as not paid. It is corrected with other files. Another is XXXX closed charged off And XXXX XXXX collection for identical debt.
Product: Mortgage

PNC claims they have no mortgage lien against my property located at XXXX XXXX XXXX XXXX ID. XXXX has noted after 2 years of me arguing with them that PNC claims they do not own this loan. I have tried to correct this info on my credit report through XXXX which states they sold the loan to some other party yet they still hold a lien on the property and never released themselves from title. 
This is the account I am complaining about as directly copied and pasted from my credit report. 

XXXX - XXXX Report Number : XXXX Online Credit Report from XXXX for : XXXX XXXX Report date : XXXX XXXX, 2016 PNC BANK , N.A . 
Address : XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification XXXX Status : Closed. 
Date Opened:XXXX Reported Since:XXXX Date of Status:XXXX Last Reported:XXXX Type : Home Equity Terms : NA Monthly Payment : {$88.00} Responsibility : Individual Credit Limit/Original Amount : {$120000.00} High Balance : {$120000.00} Recent Balance : {$0.00} Recent Payment : {$420.00} Comment : Purchased by another lender.
Product: Credit reporting or other personal consumer reports

Today on XX/XX/XXXXXXXX  I went into XXXX XXXX, XXXX, XXXX, to obtain a new year credit report and noticed a company showing Name of creditor/collection agency XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX , BALANCE OF {$7300.00} is showing late payments on the credit report when the account was paid in full and closed. 

NATIONAL CREDIT SYSTEM Original creditor : XXXX XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$7200.00} Balance updated XX/XX/XXXX Original balance {$7200.00} Account info Account number XXXX Date opened XX/XX/XXXXXXXX  Account type Collection Status Collection account. {$7200.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX  Payment summary AND PAYMENT HISTORY LEGEND Comments-- Your statement Contact info Name NATIONAL CREDIT SYSTEM Address XXXX, GA XXXX Phone number ( XXXX ) XXXX This is a formal notice in regards to the inaccurate and fraudulent account ( s ) reporting on my consumer report by the company, anonymous collections company. 

I am requesting immediate removal of the inaccurate account ( s ) from all credit reports, XXXX, XXXX, XXXX and any other credit reporting I am attesting that I have not received a validation letter from the collection company mail nor electronically. 

I am reaching out to the Consumer Financial Protection Bureau I have no verbal nor written contract with Anonymous NATIONAL CREDIT SYSTEM ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX that states that I owe or agree to pay them any monies. 

I have no knowledge of this company and again I have no desire to do any business with XXXX XXXX XXXX Company of Anonymous Law Group.

I as the victim of Fraud, inaccurate information on my credit reports, am requesting that the XXXX XXXX XXXX  according to section 623 ( A ) ( 1 ) ( A ) ( B ) cease reporting this inaccurate information to the consumer reporting agencies as I have previously requested, and I am aware that this is subject to a {$1000.00} fine per violation
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i mailed my 1st dispute via certified mail XXXX to XXXX, PA XXXX marked delivered on XX/XX/XXXX at XXXX XXXX. They responded in a letter dated XX/XX/XXXX saying they were unable to process my request. I resubmitted dispute which tracking XXXX shows delivered on XX/XX/XXXX. The completely ignored my request until my 3rd letter they received on XX/XX/XXXX via XXXX. They responded in letter dated XX/XX/XXXX which surprisingly stated our records show that we have previously completed an investigation as verified by data furnisher. When in fact they stated on XX/XX/XXXX letter saying unable to process my request and my 2nd letter was ignored? I am confused. Now in this last letter they mentioned the rule " As outlined in the FCRA, unless you have additional relevant information that supports the change you are requesting ( i.e., a letter from creditor or courthouse .... ) we are not required to reinvestigate the same item again at this time. '' My 4th and final letter which I will attach contained a letter from US Bankruptcy Court Office of the Clerk XXXX District of Florida dated XX/XX/XXXX. My letter was once more ignored. Recently, I applied for credit and was denied due to this information. Upon receiving my report as requested from them dated XX/XX/XXXX, this public record is still not removed USBK Court XXXX Florida. I have been more than understanding with the changes with COVID-19 might delay processes but the rules are the rules and now I believe that I have been taken advance of. They have failed to maintain the regulations and I need this public record deleted. Thank you!
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX  Account name : # XXXX Delaware Co XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer report and notified these agencies multiple times, specifically on XX/XX/year> the most recent I've sent out, about the items I disputed. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me, the consumer, as required by the Fair Credit Reporting Act. I sent my notice to these agencies, which included a FTC Identity Theft Report, A FTC Affidavit and I also filed a complaint with the CFPB. Along with this letter, I have also included an Affidavit of XXXX to further substantiate my claim. 

I explained the violations your agency committed under the FCRA, while informing your agency of the fact that these items were reported without my expressed, written consent. This leads to way of identity theft, which leads to a violation of the civil liability section of the FCRA, as I informed you in the previous notices, which I have attached once more again for your record! 

This is a FINAL NOTICE to give your agency an opportunity to correct this situation or I will be forced to protect my credit rating and file a lawsuit against your agency. I have proven to your agency on many occasions that these items are a violation of the FCRA and should in fact be DELETED but your agency continues to violate me so I dont know what else to do besides suing your agency at this point. 

I have suffered emotional distress as a result of this matter and I demand this matter be resolved in a fair and equitable manner, which still hasnt been done
Product: Money transfer, virtual currency, or money service

I accessed 2 websites for gaming ( not gambling, you can not win money you purchase credits or coins to play games ). In the past I could see I was being over charged and contacted XXXX, I explained to them that I was being charged for coins/credits I did not receive. With no explanation for this issue they told me to keep a log of purchases. I did this and it would balance for a couple days then I would see a bunch of debits on my checking account. Finally I realized what was happening. If I initiated a purchase and it came back denied for NSF I was not given coins requested the purchase was declined. At that point nobody is out. Then after my bank would go back and pay these amounts because I have over draft protection. So XXXX  was paid for a transaction that was declined and should have stopped there. I was never informed at a later date of overpayment or anything of the kind. They would just take the money. 
Now I have researched back to XXXX and identified over {$12000.00} of NSF items and XXXX said they could see when a purchase was declined then later paid but said they couldnt tell if I received the credits or not, they just sweep the account. I submitted a claim for refund to their system and it was denied. They told me they could resubmit the claim but it would probably be denied because it doesnt recognize these unique circumstances. XXXX did say that if my bank filed a chargeback the request would more than likely not be denied. I filed a dispute claim with Wells Fargo and they closed the claim within a few days with no email or call or anything to me. I have tried to speak to a manager and have been denied each time being told a manager was not available, and that one would call me back which to this point has not happened. It is clear to XXXX and to Wells Fargo that this has happened but neither is willing to help me. This is not a case if buyers remorse or anything. I dont want my money back for credits I received. I want my money back for the money that was taken erroneously/fraudulently. 


Dispute History Check the status of all your disputes. 
Account Number XXXX XXXX ... XXXX DateTransactionAmountClaim Number Date,XXXXTransaction,XXXX  Transactions in ClaimAmount, XXXX XXXXXXXXClaim Number,XXXXStatus : Closed Date,XXXXTransaction,XXXX  Transactions in ClaimAmount, $ XXXX XXXXStatus : In Progress Cancel Dispute