23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I received a letter from the company that my loan had been paid off. I was to receive a refund for the unused portion of a service contract and extended warranty. I was told by the dealer that sold me the new vehicle that it would be four to six weeks to receive my refunds. It has been eight weeks since the payoff letter was received which was about two weeks after the loan was actually paid off. In other words it has been about ten weeks since the payoff was done. I have contacted the company at least three times by phone, once through the local dealer and twice directly to the home office financing department. I received one of the refunds about two weeks ago but was told at that time the other check was pending. The pending check is for approximately {$3000.00} and I am having to pay interest on that amount since a credit card was used to make the down payment on the loan. I want my refund to pay off the credit card to save interest.
Product: Debt collection

A random collection popped up my credit report from a company I've never even heard or let alone owe money any to. It showed up on my report on XX/XX/2022. The amount is {$1300.00} and I have ZERO idea who they are or what they represent. The name of the company is Credence Resource Management.
Product: Credit reporting or other personal consumer reports

I have contacted Experian XXXX XXXX agency numerous of times around XX/XX/XXXX regarding the account that appears on my credit report. The company in dispute is XXXX XXXXXXXX XXXX, dated XX/XX/XXXX in the amount of {$2500.00}. I also contacted XXXX XXXXXXXX XXXX and ask them to validate the debt by providing me with documentation that proves this account belongs to me. They have not been able to provide me a solution and told me I would have to contact Experian regarding the account. On XX/XX/XXXX I received notification that the account was deleted from consumer report. Upon checking my account some time later around XX/XX/XXXX the XXXXXXXX XXXX XXXX account was back on my consumer report after already being disputed and removed removed. It is my understanding that before reinserting an account that has been removed I should have been notified, which I wasn't. I have sent letters to Experian demanding the account be removed again but they have failed to do so. I have not been provided with any documentation as to why this account still remains. This is an urgent matter that must be taken care of immediately as it is affecting my credit negatively and my ability to flourish and provide for my XXXX kids in a sufficient manner.
Product: Credit card

I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!
Product: Payday loan, title loan, or personal loan

Greensky a cct #  XXXX   GreenSky will not  supply me with any documents showing how my payments have been applied to my loan. They will not show me what part of the payment went to the principal, and what went to interest. They will not provide thus information over the phone either. They tell me they do not have that information but can only tell me what my balance is.
Product: Credit card

I applied for a new United XXXX Explorer card with Chase and received my card on XX/XX/XXXX. At the beginning of XXXX I received by mail an offer to add an authorized user to my card with a reference on my specific card number with a promise to earn XXXX bonus miles. I called the bank and requested to send an additional card to my husband. A representative happily accepted my request. However, when I asked for XXXX bonus miles, I was told that I was not entitled to that. The only requirement in the offer I received is to add an authorized user by XX/XX/XXXX, which I met. Based on the above I am asking the CFPB to be involved and help me to receive XXXX bonus miles according to the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I've requested that Experian correct errors associated with my credit report. I proceeded to request a dispute of several items I found to be in violation of several consumer laws. On XX/XX/2022 I receive a dispute error saying " Looks like you've already filed a dispute for this item '' and further continues to say " Under section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. If you do have additional information, you can upload it here .... '' I've also called in multiple times, with specific verbal instructions, and even though I specifically pointed out that these accounts listed, do not have my written instructions to be reported in Violation of 87 CFR 41243, 15 U.S.C. 1681b and FCRA 604.a.2, Experian continues this law-less charade of violations until present day.
Product: Debt collection

This is a follow up of case XXXX that was filed on XX/XX/XXXX as a complaint with the CFPB regarding Portfolio Recovery Associates ( XXXX ). The attachments on that complaint are still relevant to this new complaint. 

While XXXX are now reporting the debt correctly on my credit reports ( they deleted the XXXX account ), the XXXX  XXXX account is still showing. 

On XX/XX/XXXX and XX/XX/XXXX I requested a letter from XXXX asking them to verify with XXXX  XXXX, the original creditor, that my debt was settled and cancelled because I filled out a hardship form in XX/XX/XXXX, which they approved. They refused to send me a lettter, which is predatory considering no other debt collector has refused to issue me a letter saying my debt was settled. 

XXXX have not sent me that letter so that I can show XXXX  XXXX and the credit bureaus that the XXXX  XXXX debt does not belong to me, and that it has been settled along with the XXXX  XXXX account that should be deleted from my credit reports. 

The letter is important because of the letter I received from XXXX  XXXX on XX/XX/XXXX saying they are asking all XXXX credit bureaus to delete the account, but that I may owe XXXX, which I do not. I need this letter from XXXX to compile proof that my XXXX  XXXX account must be deleted from ALL XXXX credit bureaus. 

Every time I contact them via phone on XX/XX/XXXX and via Chat ( XX/XX/XXXX ) to ask for a letter verifying the facts of the situation, I am snubbed of the opportunity and told to call in for a supervisor, which is ableist considering I wrote in my hardship letter about my XXXX, and they approved that as a cancellation of the debt for settlement. XXXX XXXXXXXX XXXX  account is still showing on my credit reports despite the company itself requesting deletion off of my credit reports.
Product: Checking or savings account

I asked twice about a {$400.00} account opening bonus, once I was told I did qualify, another time I was told I didn't qualify. Which is it?
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation and/or reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumes of dispute outcomes. This was my experience on all of my disputes. Experian has failed to update accounts/remove unverifiable information and as a result, I have been personally damaged. This has caused ongoing harm to my credit standing. I am requesting immediate action to remove all disputed accounts ( Disputes dating back to XXXX  ) as Experian 's inaction has violated federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX  a collection of {$1600.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The total balance of the loan was no more than {$600.00} in total. I lost my wedding ring and purchased another one. The jewelry store was offering a financing option through XXXX XXXX XXXX. The offer was ( 90 ) days same as cash. The terms of the agreement were that the loan had to be paid off within the ( 90 ) days in order to avoid being charged interest on the loan. Prior to the ( 90 ) day mark I called XXXX XXXX to make the full payment so I would not get charged any interest. XXXX XXXX scheduled a time for their billing department to call me so I could make this payment. I never received the telephone call. They purposely avoided calling me so that I would be delinquent in making the payment. I immediately began calling XXXX XXXX. When I finally was able to reach someone in the billing department, the man I spoke with told me I was going to have to pay additional fees and interest when making this payment. I explained to him that I was well within the ( 90 ) day time frame when I made arrangements to pay this off, but that no one ever called me back. I re-stated their terms of the loan as advertised and that I was making every effort to pay this loan off timely. We were able to agree upon my offer of making ( 2 ) consecutive payments. Upon doing so, they promised that I would not be charged with a late fee or any penalties. Again, I was told that someone in the billing department would call me that same day so I could make the first scheduled payment. I never received a call. This was over ( 4 ) years ago. Last year I was contacted by XXXX XXXX. I spoke to another representative and she told me that the previous arrangements made were unacceptable. She insisted I pay double what the loan amount originally was for. I told her I was willing to pay the agreed upon amount previously negotiated. She told me she would have to research the information and she would get back with me. I never heard from her again. I recently discovered there was a collection on my credit report from XXXX XXXX. I immediately contacted XXXX XXXX only to be informed that XXXX XXXX sold this debt off and it is now being reported as a collection. The balance amount being reported is incorrect and this account should never have gone to collections. This incorrect reporting of a collection is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit card

I have a variety of issues with US Bank and my Visa card. Main issue being their continuing to have a " pending charge '' on my card for days after the " actual charge '' posted, thereby using twice the amount of my available credit. Second complaint is their customer service staff telling me that no supervisor was available and it would take " several days '' for a supervisor to call me back. I mentioned that I felt like the hold on the card for pending charges already posted as actual charges was not fair and was something that the CFPB would be interested in. They seemed to have no knowledge of the CFPB did not escalate the call or add the call to any complaint log for review. 
A credit card issuer should be obligated to immediately delete the pending charge once the actual charge is posted. US Bank tells me they can not do that, that only the merchant can do that. That is fundamentally wrong and a fundamentally flawed system. 
I called the US Bank corporate office and they told me I could talk to their " advocacy department '' and transferred me, all I got was voice mail. I left a message, I do not expect to hear back from them. I called back to the US Bank corporate office and was told there is no one else that I can talk to other than the " advocacy department '' that I could not speak to anyone in management to voice my concerns.
Product: Debt collection

I did not become aware of any debt owed to genesis credit FS until a couple months ago. As soon as i received notification that a collection agency was seeking me to pay debt owed, I checked the legitimacy of thr lawyer and collection company and it showed to be legitimate. At that point i called and asked for proof of purchase or telling me where i accrued the debt. They sent me past invoices sent to a very old address using an account that i have no awareness of. It looks as though XXXX is the original company and I have never purchased anything from them. I could search through years of bank statements to prove that. I need to know how to clear my name of this debt. And properly address the collections agency, as they are fulfilling something that they have been legally hired to do, even though their is some sort of fraudulent activity behind this. 

The current name of creditor is XXXX XXXX XXXX, XXXX Attorneys sending me the collection paperwork is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX NAME : XXXX XXXX NAME XXXX XXXX XXXX NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

I contacted Hunter Warfield to discuss a collection account placed on my credit report. I cosigned for an apartment for a relative. She was in contact with them and is paying the debt but never disclosed to me the account was placed in collections. 

I never received a notice, phone call/email from Hunter Warfield notifying me of the debt and now they placed me in collections for a debt that I did not know was outstanding. I should have been notified if I'm going to be held responsible. 

They placed the collections on my account only and not hers.
Product: Checking or savings account

On XXXX/XXXX/2023 9 unauthorized ATM transactions were made in my Chime Financial Inc bank account totaling {$3000.00} On XX/XX/2023 I filed a dispute with chime and provided them a detailed statement of the event On XX/XX/2023 Chime Financial Inc denied my claim with no explanation. 
When I requested supporting documentation for the denial of my claim I was told it would take up 10 business days to receive the documents. 

This has led me into financial hardship and emotional distress. 

The agents at Chime Financial Inc are asking me to provide proof, or police reports to an incident I was not present for. Which I dont believe is allowed in Regulation E In order to file a police report I must have the supporting documentation of the denial of my claim, and waiting 10 business would put me at risk for evictions and repossessions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have an account ( # XXXX XXXX with Redbrick Financial that is not mine removed from my credit file from XXXX for over a year. However despite much evidence the company Redbrick Financial located XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX placed this on my report refuses to remove. 


Despite multiple requests to review Redbrick refuses to remove said account from my report and has caused me irreparable harm. 

Redbrick not only refuses to agree with the removal but has made fraudulent statements to XXXX and my attorney regarding this account. Redbrick falsely claimed they Verified my signature. How do they verify my signature without my signature? 

Redbrick failed to conduct minimal diligence despite sufficient evidence submitted to the contrary and multiple requests/disputes. ( Evidence attached of disputes filed in XXXX and XXXX ). One of the disputes attached is from XXXX who agreed to remove in XXXX. XXXX refused to remove in both XXXX and XXXX. 

Redbrick refuses to investigate my disputes and or acknowledge that I am not a signor on the account in question. I have provided above and beyond what is required to show the account is not mine and should be removed. 
XXXX XXXX was last point of contact at Redbrick. 

I ask that you investigate the business practices of Redbrick. Their failure to remove this account from my file has caused me personal and financial harm and they should not be permitted to operate in such an unscrupulous manner. 

I have also attached two letters ( witnessed and or notarized ) submitted to Redbrick yet they still refuse to remove account from credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Loan on my credit report that I did not sign up for for {$XXXX.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit card or prepaid card

This is a complaint against the improper closure of a transaction dispute filed with Capital One and the callous nature of their response. 

1 ) XX/XX/XXXX : The initial dispute was filed ( letter from Capital One confirmed this and an initial refund for the amount was placed on the credit card ). 

2 ) XXXX : Received an online letter asking for more info and documentation. This was the *first* time in this entire process that XXXX had asked for documentation from my end. I was given only two options to repsond -- > snail mail or fax. They even warned me about taking XXXX days to respond.

3 ) XXXX : In order to speed things up, within hours of getting the online letter from XXXX, I faxed a letter and all communication between myself and the merchant in question. 

4 ) XXXX : Within literally hours after receiving my fax on the very same day, I got another letter telling me that the case has been closed because I did not provide some unnamed piece of information. They could have shown the minimum courtesy of telling me what that missing piece of information was which they did not. 


This complaint is to put on record the fact that Capital One had no desire to investigate this issue. They simply wanted to close this and move on.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 
Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX - XXXX XXXX XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this