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

Us auto credit keeps reopeningthis account and then week later closing it just turn around and reopen it agian as to just close it agian. They are doing this to further hurt my credit and it's not fair or legal from my understanding. Please make them at the least stop this unfair behavio.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Shellpoint Mortgages Servicing, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I submitted a request to have my Lexus Nexus report sent to me the complete report. Unfortunately Alexis Nexus did not send me a report they sent me papers with information on how to get my report I went to Lexus Nexus again to receive my credit report because of inaccuracies they again did not send me my complete report what I am disputing is claims that are on the Lexus Nexus report that they have given to insurance agencies. I have not filed these claims and these claims are on my report and because of that my insurance is very expensive and I'm unable to receive some jobs and things like that because of their reporting.
Product: Debt collection

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to raise a concerning issue about my credit report. I have discovered fraudulent accounts and inquiries that have been included on my credit history without my permission. These entries have inflicted considerable harm to my credit score and financial standing. 

To address this issue, I have disputed these entries with the relevant creditors, companies, and lenders. They have confirmed that the entries were not authorized by me. Additionally, I have filed a report with the Federal Trade Commission ( FTC ) to report this incident of identity theft and have attached a copy for your reference.

The existence of these fraudulent accounts and inquiries has had an adverse impact on my credit score, making it challenging for me to obtain credit and financial opportunities. This has caused significant distress and hardship for me and my family. 

I urge you to take swift action to remove these unauthorized and false entries from my credit report. Please prioritize the resolution of this matter, as the ongoing presence of these inaccuracies continues to harm me and my family.
Product: Checking or savings account

On XX/XX/XXXX, a XXXX transaction has been made through XXXX on my Chase bank account. This transaction is a scam because the person messaged me on a social media platform ( XXXX ) about two event tickets available. He also asked about my personal information and XXXX number and I agreed verbally but never initiated the transaction nor did I authorize this transaction legally in any way. He never sent me the tickets that he promised, which proved that he is a scammer. My bank refused to give me this refund. 
They think I authorized this information but I did not. First of all, there is an information gap between him and me, so every decision I made was because I was deprived of the opportunity to get to some essential facts : he will use my XXXX account to scam me with his technology. Also, I gave him my XXXX account information because he needed to check that I did have a payment method. Thus, I request Chase Bank to reverse this transaction. The fact that they failed to do so is an action of neglecting customer rights. 

This transaction was made to the XXXX account with the name XXXX XXXX, which may not be his real name. The XXXX account the transfer went to is XXXX. Please help me get my money back. Also, I think he is an experienced scammer because he used different names on different social media. Please help avoid these scams from happening in the future.
Product: Credit reporting or other personal consumer reports

During the pandemic American Express closed my open accounts that did not have any missed payments on my Amex XXXX card. Amercian Express has since discharged the debt sold the debt to another creditor and continues to report the account as open and delinquent in an attempt to destroy my credit. 
American Express placed the account in a delinquent status with astronomical fees that due to my lack of travel employment I was unable to pay during the pandemic. Four years later they are still reporting the account to all credit bureaus as open and delinquent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX flagged my account as 30 Days Past Due on XX/XX/2022 after the company transferred to a new bank I received information for the account they established with the new bank. I have no statements and no access to statements on the website. The website was showing no balance due and the account closed each time I logged on to pay. Customer service is only via email and automated in nature, unable to address my concerns. My payment history will show that I have NEVER been late and I often pay, more than the minimum payment due. 

My credit score dropped by XXXX points due to the late payment and I am now unable to refinance my home which will adversely impact my family for years to come.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been discriminated by HUNTINGTONBANK because Im of XXXX XXXX XXXX XXXX decent. 
On XX/XX/22 I received a checklist from XXXX XXXX, ( Assistant Vice President Small Business Relationship Manager # Business Solutions Team Phone : ( XXXX ) XXXX ) he asked me to submit : A professional summary, complete business plan with 12 MONTH financial projections, project costs, 2 year tax return, and personal financial statement. 
I submitted all completed documents by XX/XX/22, XXXX XXXX then reviewed and assured me all looks good, then submitted them to Underwriting. On XX/XX/22 Underwriting responded saying they needed an Id for verification, I forwarded my Id to XXXX. 

On XX/XX/22, XXXX requested additional documents such as, now 3 YEARS XXXX XXXX, and 20 % non- borrowed equity injection {$18000.00}. 
On XX/XX/22 I submitted the remaining documents, including bank statements. 
XX/XX/22 I received a call from XXXX saying that my application had been denied because the following : I have a felony, my credit score is XXXX and collections on my credit. 
This information is absolutely false!!! I have never had a felony on my adult record! ( For it is Illegal to investigate juvenile records ) My juvenile record has been expunged. My credit report was ran 3 times by Huntington bank which dropped XXXX, and I have absolutely no collections on my credit report. I actually just purchased a {>= $1,000,000} home 6 months ago so there is no way I could be in collections or have a felony.. Huntington bank is advertising loan programs to minorities and low income consumers yet deny the loans based o! lies! 
I believe this is a XXXX strategy to lower minority credit scores, and still appear to be a aid to our communities. 
Also, adding additional information as they see fit, not according to any rules or standards. This type of unethical business practice needs to be banned and prosecuted!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous disputes to Equifax regarding a closed account for XXXX from 2001, to no avail.  Equifax has refused to correct the incorrect information in my credit report.  I no longer have an account with XXXX or an outstanding bill; however, the inaccurate information has been reported in my credit file repeatedly.  I have experienced a credit breach with Equifax and have attempted to resolve this incorrect information continuously for almost two years.  I am requesting the incorrect information to be removed from my credit report.  It has been removed with XXXX and XXXX, but Equifax continues to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : 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 US DEPT OF EDXXXX XXXX XXXX has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 card or prepaid card

AFFIRM account was charged for a XXXX XXXX XXXX inch from XXXX, but I did not order this.
Product: Debt collection

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account, This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to insure accuracy. Here is the account I am asking you to verify : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Section 611 Dispute Letter Inaccurate Information on Credit Report Dear Credit Reporting Agency, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and violates my rights under Section 611 of the Fair Credit Reporting Act. The specific inaccuracies are as follows : **Item to be disputed : XXXX XXXX XXXX account ending in XXXX **Reason for dispute : ** This account and its associated balance do not belong to me ; they result from identity theft and fraud. 

**Current status : ** Ongoing **Desired action : ** I request the disputed information 's correction, update, or deletion.

I have enclosed supporting documents that prove my claim, including bank statements, payment records, and identity theft reports. This is so that you know that these documents are for your review only and should not be shared with unauthorized parties. 



I respectfully request that you conduct a thorough investigation of my dispute as soon as possible and verify, amend, or remove the disputed information from my credit report within the 30-day timeframe mandated by the Fair Credit Reporting Act. Additionally, I would appreciate written confirmation of any changes made to my credit report. 



Thank you for your attention to this matter. I look forward to a quick resolution that accurately reflects my credit information. 



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

Dispute letter recently sent XXXX XXXX was deleted off my transunion account twice this year and has reappeared twice on my account. 

In accordance with the requirements of the FCRA section 611 ( 15 U.S.C. 168i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) requirements relating to reinsertion of previously deleted material they have failed to send me notification no later than 5 business days, they failed to do that twice.
Product: Debt collection

We are in process of buying a home where this debt continues to be re-reported even though it has been paid to the collection company.      Fox Collection ma de verbal promise that by us paying the debt, the debt would be REMOVED from all credit bureau 's. According to the my complaint filed yesterday, they have recordings.     We were very clear that there was NO value in paying a debt and it being marked " paid '' as that only increases my score by a point or  XXXX . As of today, their negligence to fulfill their end of the agreement made by paying off this debt has again caused my credit rating to drop nearly  XXXX  points.     Which additionally, this substantially impacts my mortgage rate. Furthermore, to-date, they have only marked paid,  XXXX  credit bureau which causes substantial discrepancies in my  credit score.      Additionally now, CFPB prematurely allowed this issue to be closed, when  in FACT it i s no where near closed.     FOX notes, they have a recording. They have NOT produced a recording where I was present when I heard my wife confirm the debt would be REMOVED. I DEMAN D FOX TO  PRODUCE THE RECORDINGS which clearly exits the call confirming they WILL REMOVE the debt.     Secondly, I 've provided PROOF, t hat FOX HAS NOT REMOVED THE DEBTS. They are still listed on   XXXX   and  XXXX  .     I 've reattached for this complaint.     I will be calling CFPB in the morning to ensure this is left open  until FOX co nforms and fulfills their agreement.
Product: Credit reporting

In addition to Experian NOT completing my disputes using the information I provided, I was charged to use Experian.coms website to get my supposed free results of a dispute XXXX months ago. I was sent an email and a link to see results of my dispute and when I hit the link, I was given a response of " We can not provide your results online at this time ''. I asked a rep why this was and they suggested using the experian credit tracker instead. I was told I had to give credit information and was charged each month since almost {$25.00} per month. I called a rep today to cancel this and asked for a refund and was only given XXXX month as a " Courtesy ''. I am sick and tired of dealing this this company. They continue to tell me my disputes are frivolous, they charged me for a free result of a dispute result and they send me form letters saying they will not honor any of my disputes unless I provide new information. I 'd love to be able to, but they continue to validate numerous XXXX accounts and Court records using false information, then telling me it came back verified. Why are XXXX and XXXX able to do manual investigations and Experian not? They are clearly not investigating using the information I have provided and match these accounts with my name only, never looking further to see that the name XXXX XXXX does not legally exist or was ever attached to anything on these accounts with me. Then to add insult to injury, they tricked me into paying for credit monitoring to get results from an investigation I did back in XX/XX/XXXX of this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX ) XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX. My only Phone number is ( XXXX ) XXXX
Product: Credit card or prepaid card

I purchased a vacation package in XXXX XXXX XXXX through XXXX travel agency on XX/XX/XXXX for {$1500.00}. Travel was to be from XX/XX/XXXX - XX/XX/XXXX. Due to Covid-19,  XXXX the resort property owner cancelled all reservations through XX/XX/XXXX and reimbursed the 3rd party travel agencies. I contacted XXXX 2 times via phone and multiple emails. The final response was, they would not reimburse my money even though the resort was closed and I did not cancel the reservation. 

I filed a dispute with Citi Card ( XXXX ) on XX/XX/XXXX, it is the only one on file in my account. They closed this dispute on XX/XX/XXXX for being over 6 months old and not having all of the documentation needed ( I was never told or requested to provide more documentation other than my initial statement for dates and charges ). On XX/XX/XXXX, I resubmitted via email with supporting documentation. On XX/XX/XXXX Citi denied my dispute again, this time in favor of the merchant because the merchant refused the dispute and the refund. Citi told me they have no authority to pullback funds from the merchant. I tried to dispute this reason for denial with the Citi Dispute center as under Visa Charge-back policy VCR 13.1, they do have that ability. I was hung up on by the service agent. 

I am trying to get my money back for a worldwide pandemic I had no control over and a cancellation and resort shutdown I had no action in. Citi is just washing their hands of this even though I did not receive the services I purchased. Citi has all supporting documentation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items on my credit report, including the late payments listed below. I recently learned that your company was sued by the Consumer Financial Protection Bureau ( CFPB ) for failing to properly investigate consumer disputes. According to the CFPB, Experian has not taken appropriate steps to handle consumer disputes, leading to the inclusion of inaccurate information on credit reports. This can negatively impact consumers ' ability to access credit, secure housing, and obtain employment. 

Additionally, I understand that Experian has a history of claiming disputes will not be investigated if theyve already been previously reviewed, yet there are concerns that no thorough investigation actually took place. I request that you immediately reinvestigate the late payment records in question, and I ask that any inaccurate information be corrected or removed from my credit report. 

It is imperative that these issues be addressed swiftly to ensure that my credit report accurately reflects my payment history.