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

To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX  Account # XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX This company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not provide any written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please delete the above late payments from my consumer report, because this agency is in violation of 15 USC 1681. 


Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. I made all my payments in time. I was never late. You're reporting this account erroneously. This is an error and inaccurate information must be removed from my credit file. Please remove this immediately from my report. If there is any confusion, I suggest you contact myself or XXXX customer service representative.
Product: Debt collection

I was attempting to refinance my home and found out I have a lien on my property for over {$29000.00}. 
I reached out to the debt collector/ XXXX XXXX XXXX ( XXXX XXXX ) to obtain the documentation on this judgment and information on the debt and all XXXX XXXX did was try to provide with the file number and said he did not have to provide me with that documentation that discloses what the debt is for, he didn't even know my name,, he provided me with my maiden name that I haven't used for over 12yrs, this clearly shows he's trying to collect on something that is over 12yrs old. XXXX was trying to workout payment arrangement but I told him that the information is incorrect, and that I'm not paying on something that is not right. He mentioned that it was regarding a Ford Motor Credit Account, I told him I do not owe Ford Motor Credit XXXX, and that I want all the documentation so I can review. I also mentioned to XXXX that I did not receive anything from them or any court notification, I would think they would certify something like this but of course that wouldn't be convenient for the debt collector. They took advantage that I didn't show up to court and just slapped a lien/judgement without allowing me to defend myself in court and to top it off in a county that I don't live in. I also asked if he can send me documents via email and he said that they don't do that, he said he can mail me the judgement. I then told him he can go ahead and Mail it, but then he asked for my address, I don't understand why he doesn't have this info since he had previously mentioned that he sent me mail on court order which I never received. All I want is for them provide me with all supporting documents regarding this debt and lien so I can have the opportunity to go to court and get this removed.
Product: Credit card

My credit card was hit with two unauthorized charges at the date of XX/XX/year>, one in the amount of {$2000.00} and one in the amount of {$1000.00} on XXXX. Upon noticing these transaction I immediately notified chase regarding the two unauthorized fraud transaction and was notified today XX/XX/year> that my claim for the unauthorized transaction amount of {$2000.00} is denied for the reason of " You received benefit from this transaction '', which is impossible since this is an unauthorized transition and i have never received any benefits from such fraud charges.
Product: Credit reporting or other personal consumer reports

I see things may be inaccurate. Start looking at the accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX I believe this information may be inaccurate. I need this deleted now. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated XXXX XXXX ( XXXX ) XXXX  ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating XXXX XXXX per the XXXX opinion.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute regarding inaccurate information on my credit report maintained by Experian. I understand that on XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), including the failure to conduct proper investigations of credit report errors and the failure to remove inaccurate information from consumer credit files. 

In light of these allegations, I am requesting that the CFPB intervene to ensure that the following negative items are properly investigated, and removed if they are found to be inaccurate or unverifiable. 
Based on the allegations in the CFPB 's lawsuit against Experian, I believe the following violations have occurred in my case : Improper Investigation : Experian failed to properly investigate and resolve disputes related to inaccurate information on my credit report.

Failure to Provide Notice : Experian did not provide me with adequate written notice of the reinvestigation results, as required by law. 
Failure to Delete Inaccurate Information : Despite my dispute, Experian has failed to delete inaccurate or unverifiable information from my credit report. 
Improper Re-insertion of Information : Experian allowed inaccurate or previously deleted information to be improperly reinserted into my credit file.

Failure to Convey Disputes Accurately : Experian failed to convey my disputes to the original furnishers of the information fully and accurately, as required by the FCRA. 
As a result of these failures, my credit profile continues to contain negative information that should not be there, and I have been adversely affected by these inaccuracies.
Product: Credit reporting

There are XXXX accounts listed which do not belong to me which are XXXX XXXX XXXX # XXXX and XXXX XXXX Bank XXXX I 'm requesting these be removed ASAP
Product: Debt collection

This website states that a debt collector can not call more than three times a week. This company calls me multiple times a day! I have a screenshot of my call log, four times today they called me! All during work hours, which I will not answer a personal call. 

XXXX The debt collector communicates with you or your spouse more than three times in one week. '' Transworld Systems/TSI XXXX is the number that calls me.
Product: Credit reporting or other personal consumer reports

I have been using experian to make my credit better and monitor my credit report They have actively suppressed my credit score As well as recently completely removing my score and making me unscorable Up until a month or two ago my credit has been steadily climbing and that is because I was using credit karma instead of experian Only to recently find out experian has removed my score completely making me unscorable All my accounts are in good standing All my old debts paid off All my bills paid on time including utilities and phone and cable bill and insurance for the past 8 years They refuse to recognize things that would positively impact my credit report I only have one charge off and I worked with the company to pay it completely in full Experian has moved toward automation and corruption to deny users the ability to get a better score even when they are good citizens I have a net worth of XXXX based on assets and banks alone I have XXXX bank accounts and all my credit cards are paid off and gone I utilize XXXX credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting at XXXX these accounts have violated my rights 15 U.SC 1681 section 6028 states I have the right to privacy 15 U.S.C 6081 section 604 a it also states of consumer report agency can not furnish an account without my written instructions Accounts that need to be rectified : 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 Thank you once again for the concern
Product: Debt collection

Received a statement from POrtfolio Recovery Associates on XX/XX/19 reporting an outstanding debt {$650.00} owed to XXXX XXXX XXXX. They were threatening and demanded immediate payment. I was flustered. They asked for my social security number and I gave it to them. They then asked if I lived in Arkansas. I said no. Never. They threatened again wanting payment. I refused and hung up. After that I noticed my first and last name were correct in envelope but the middle initial was incorrect.
Product: Vehicle loan or lease

I got my car through XXXX in XX/XX/XXXX. My car was written off as a charge off in XX/XX/XXXX. I got no letters, calls emails or anything. When I logged onto my account online my account is no where to be found. I get an error message that states there are no accounts with my credentials. My car was recently taken by the repo man on XX/XX/XXXX. I did not receive any calls saying they were looking for my car or wanting to begin a new payment plan.
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below because they are still showing and reporting inaccurate information on my credit report, even prior your investigation. I would like for these item to be reinvestigated immediately. 
XXXX XXXX XXXX XXXX account with account number XXXX XXXX. This XXXX XXXX with account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX  Account # XXXX These inaccuracies are negatively affecting my credit score. In accordance to the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I have the right to know the names and business addresses of each individual of whom verified these account as being accurate, so can you please provide me with this information? Please send me a updated copy of my credit report after your re-investigation. Please see attach files which shows the inaccurate and inconstancy of information being reported.
Product: Credit reporting or other personal consumer reports

Transunion Credit reporting agency has repeatedly allowed the following creditors to report inaccurate and derogatory information onto my credit file. XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX . has repeatedly reported inaccurate information, and Transunion continues to allow them to do this. As such I have been unable to obtain the things that are supposed to be allowed to be given to every American, which is excellent credit, financing opportunities, home ownership, and owning a vehicle. I have to live barely making it because I am unable to obtain credit, because Transunion allows these creditors to report inaccurate and false information across my credit file. I have submitted numerous disputes with Transunion for every month since XXXX of 2022 in which I have documentation for. They never complete a thorough investigation and believes these creditors over me the consumer, and continues to report this inaccurate information month after month.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, I was notified through my credit monitoring service that my account with Webbank/Mosaic had been reported as closed and that the balance was now {$0.00}. I just opened this account in XXXX, so I checked my credit report to find out what was going on and my Equifax report showed that indeed the report is now reporting as closed with a {$0.00} balance. I called on that day and was told that there was no one available to assist. On the following Monday, XX/XX/2021, I called and was told they had to escalate to a higher group to investigate and I would hear something in 3 to 5 business days. I called back after 6 days and was told it would take longer. On XX/XX/2021, I was told there was still no resolution and the best way to resolve would be to send an email. I emailed and received a response today saying that the loan was not paid off and I could provide proof of payment. They completely left off the part about the credit reporting. 

This is a violation of the Fair Credit Reporting Act. They are not reporting correct information and the loan is not reported to either XXXX  or XXXX. They need to address the actual issue of the incorrect reporting to my credit report and not something I didn't say.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Student loan

I applied for discharge of my XXXX XXXX XXXX scholarship loan, provided via XXXX XXXX. Months ago I submitted via student aid.gov and through Nelnet. 

I withdrew from XXXX online Graduate program, when the first class I had was marked with undue harassment by the professor. 

The loan was originally a XXXX loan amount, which is now roughly {$1600.00} via Nelnet loan servicing. I am paying for this loan that did not serve me, as I withdrew. I have XXXX children in college that I need to help now ; I should not have to pay for an educational loan where I withdrew under circumstances brought on by the constant harassment of the professor.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$750.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I filed a complaint ad a dispute with the credit bureaus Experian and XXXX XXXX to correct inaccurate information from my report I filed with CFPB also and it has been XXXX days and they have not responded per CFPB the FCRA require the bureaus to respond in XXXX days or remove inaccurate information that I disputed.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
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
Product: Mortgage

My fourth quarter taxes that were supposed to be paid by BSI Financial Services, XXXX PA., to my township were not paid on time. In turn, the town will be auctioning my tax lien on XX/XX/XXXX. I have not been able to get an answer as to why it was not paid from my escrow acct. There is enough money in the account. I was given numerous different stories about it being sent by electronic transfer, first class mail and express mail, all wrong information because it was never sent. Customer care supervisor has not returned numerous messages left. I have not been given an exact reason why the payment wasn't made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I opened an account with Capital One. My account was in good standing up until XX/XX/XXXX when I could not longer keep up with my obligation to my account because of the XXXX XXXX. I was troubled as the rest of the world was as we were affected by this disaster. From the months of XXXX XXXX XXXX my account was unpaid until XX/XX/XXXX when I paid off my debt to the company and Capital One closed my account. Prior to this I made several attempts to have my payments be paused or some type of arrangement be made and my attempts were unsuccessful. This has damaged my credit and hurt my ability to obtain new credit. According to the CARES Act some type of relief should have been provided to me and it was not and I am completely distraught because of this harmful activity furnished on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has misleading deceptive marketing practices making a consumer believe that they can potentially get approved for their services. And it is in this companys best interest or whomever put this credit inquiry on there to discontinue this deceptive practices and to remove the hard inquiries from my credit report because it has caused financial and emotional duress to me and family. I will be working with my attorney to make sure that this company is following all of the FCRA laws. You MUST have permissible purpose from the creditor, written authorization and PROOF you imitated the hard inquiry on file under SECTION 604 OF THE FAIR CREDIT REPORTING ACT.

WITHOUT : Permissible purpose from the creditor.

Written Authorization ( your signed application of credit ) Proof you initiated an inquiry Under section 604 of the fair credit reporting act The inquiry MUST be deleted. 

A DELETION OF THIS INQUIRY FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Product: Checking or savings account

According to a previous CFPB complaint - XXXX, company promised that the promotional account opening bonus of XXXX $ + XXXX $ will be credited to me by XX/XX/XXXX. However, they didn't do it. When i raised a service Citibank Service Request # XXXX, they denied my request again.
Product: Vehicle loan or lease

I was told that its No Auto loan in my name at XXXX  XXXX XXXX
Product: Checking or savings account

My account was debited 2 time from XXXX and I do not even know what XXXX is or XXXX I activate the account
Product: Checking or savings account

I have a refund from XXXX for {$510.00} on XX/XX/XXXXXXXX. XXXX told me to wait 30 days before the money refund back to my savings account. So I waited and I still did not receive any money. I called BOA and they said they did not receive any money and XXXX said they already refund the money back to my account.
Product: Consumer Loan

on statement..no date on when maild payment due XX/XX/XXXXpaid through automatic payment through my bank how many days in this billing cycle? 
why are the number of days in cycle not stated on billing statement? 
accrued interest statement.. {$67.00} how much interest did really pay on this months payment? 
if different than XXXX..why is this not disclosed on statement? 
how much did i pay toward principle? 
what is pay off amt? 
if i pay off total amt next month,,, how much would i have to pay? 
i 've made XXXX payments..how many more do i have. 
how are you connected to XXXX XXXX in XXXX? .when i have asked to speak to president that 's where they direct me
Product: Student loan

Falsely created account and false amount owed ... to collection agency " XXXX '' ... 
XX/XX/XXXX..received letter from " XXXX '' stating the amount owed is the correct amount ... this is not true, since " XXXX XXXX '' received payments of {$6600.00} and {$5100.00} in XX/XX/XXXX.
Product: Checking or savings account

My husband passed away. Chase bank put check on hold they paid my rent and car insurance, and said I was in the negative, I ask what did I need to do they said bring in $ XXXX XXXX and I would be out of the negative and I deposit $ XXXX, XX/XX/2018 then again I was in the negative for $ XXXX The I call on the phone for two hours no one could help me I went back into the bank again they said now I have s balance of $ XXXX I said and I have s withave s Witness my daughter is on the phone speaker And listening, I ask was the money ok they said yes, so I said now it is no longer XXXX when all of this started it is XXXX now, so the bank Chase bank said I could get s cashier check of $ XXXX my rent, everything was ok so I left the bank thinking everything was fine I did what they ask me to bring now I am in the negative again I have not charge anything nor use my card now I am in the negative again for $ XXXX they keep changing, chase bank said the sent the check back to social security but I made good I brought $ XXXX in I dont own them $ XXXX all the figure keeps changing, I understand Chase bank is notrtous for doing this I am on a fix income, nothing has been resolve in a timely. They have had Escalting team and nothing is resolve and the Branch I go to dont have a clue what is happening the Branch computer is never the same as who ever is changing the figures on my account the Branch is XXXX in XXXX XXXX zip is XXXX on XXXX XXXX and XXXX XXXX this is unbelievebi am stress loosing my husband after 58 years, and I have to call and constellations go into the bank XXXX Branch manger didnt have a clue, and this is XXXX and they cant get anything straight. I dont no who is changing the figures or the amount, so please help.since they have taken so long and I am the victim and on social security thank you. I am XXXX years old and should not have to deal with the bank I am so stress over there incompetent, and their inaccuracy .Senior citizen in distress. Help!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX the title loan company filed a court case against myself. The Judge assigned to the case however dismissed the case on XX/XX/XXXX, with no judgements against me. 
The company which is Presto Auto Loans however on XX/XX/XXXX began harrassing me as well as relatives that are not and were never on the title loan. Which consists of leaving threats on my daughters voicemail, sending letters of jail time to my other children and harassing me at my employer at this point. They are doing this even though their lawsuit was dismissed.