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

Over the last year I have sent written disputes involving the reporting of a bankruptcy on my personal credit file through Equifax and XXXX. Equifax and XXXX  each time responds verified through 3rd party XXXX XXXX. However I also have obtained my personal file through XXXX XXXX which shows no bankruptcys in their system. How is it that Equifax and XXXX verified through XXXX XXXX  and XXXX XXXX has no data on myself in their system regarding a bankruptcy? Under section 609 of the FCRA Equifax and XXXX would have to go to the original finisher or data which would be the court house but they have failed to do this. I think it also proper to point out that XXXX who also obtain data from XXXX XXXX deleted this same bankruptcy after being presented with no evidence of such. Provided is evidence to support my claim which includes reports from XXXX XXXX, XXXX  and a letter from the XXXX district of Tx.
Product: Credit card or prepaid card

My retail credit card was closed on XX/XX/202 and I dont know why, the balance was 0, credit limit was $ 610.I called and asked why because I always made a payment every month never late.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Account Dear CFPB, I am writing to follow up on my prior dispute regarding inaccuracies reported on my credit report. Despite my initial dispute, no changes have been made to the reporting of this account, and the erroneous late payments remain uncorrected.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are required to provide a description of the investigation process within 15 days of receiving a consumers dispute. I am requesting a detailed description of the investigation process conducted for the account in question. 
Account Details : Creditor : XXXX XXXX Account Number : XXXX High Balance : {$430.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Date Reported : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open Payment Status : Current Credit Limit : {$500.00} Payment History : XXXX : A 30-day late payment inaccurately reported for XXXX. 
XXXX : A 30-day late payment inaccurately reported for XXXX. 
Equifax : A 30-day late payment inaccurately reported for XXXX. 
Reason for Dispute The reported late payments are inaccurate, as I have made all payments on time, in accordance with my agreement. My attached payment records clearly demonstrate that no late payments occurred for this account. Despite my previous dispute, the erroneous reporting has not been rectified, violating the accuracy requirements of the FCRA under 15 USC 1681e ( b ).

Request for Investigation and Supporting Information Description of Investigation : Please provide a detailed description of the procedures followed to investigate my dispute, as required under 15 USC 1681i ( a ) ( 7 ).

Verification Documentation : Include all documentation or records used to verify the alleged late payments.

Proof of Mailing Compliance : Under 15 USC 1666 ( b ), provide reasonable proof that each periodic statement was sent to me no later than 21 days before the payment due date.

Reference to PAANL ( Paid As Agreed Never Late ) The account history should reflect a status of Paid As Agreed Never Late based on my timely payments. In the absence of valid and verifiable proof of late payments, I demand that the credit reporting agencies promptly update the account status to reflect accurate reporting. 
Legal Compliance As per the FCRA, you are required to conduct a fair and reasonable investigation and respond to my dispute within 30 days of receiving this letter. Failure to do so will constitute a direct violation of the FCRA, and I will pursue further action.

Enclosures Copy of credit report with highlighted inaccuracies.

Payment records proving timely payments.

Thank you for your prompt attention to this matter. I expect full compliance with the FCRA, Consumer Protection Act, and Truth in Lending Act. I look forward to receiving your response and resolution within the required timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concerns regarding the repeated inaccuracies and improper handling of disputes on my credit report. Despite numerous disputes filed, Experian has failed to address the issues adequately, often claiming the information is " verified '' without providing the required method of reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ). 
Disputed Items and Reporting Issues : 1. XXXX XXXX XXXXXXXX, VA XXXX ( Public Record ) : * Report Number : XXXX ( Dispute Date : XX/XX/XXXX ) * Despite providing documentation from XXXX XXXX showing the bankruptcy could not be verified, Experian has continued to report it inaccurately. I requested the method of reinvestigation, which was ignored, a clear violation of FCRA requirements. 
2. XXXX XXXX XXXX XXXX ( Accounts ) : * Accounts XXXX and XXXX were updated after disputes but continue to reflect inaccuracies. 
3. XXXXXXXX XXXX XXXXXXXX ( Account XXXX ) : * Continues to show unresolved discrepancies, with Experian failing to provide verification or the reinvestigation method. 
4. XXXX XXXX XXXX ( Account XXXX ) : * Reported as " accurate '' despite contrary evidence submitted. 
5. XXXX XXXX XXXX ( Account XXXX ) : * Updated but remains inaccurate, with no clear explanation of the reinvestigation process. 
CFPB Lawsuit and Legal Obligations : \nThe CFPB lawsuit ( Case XXXX ) against Experian highlights systemic issues similar to my experiences. As detailed in the CFPBs complaint, Experian fails to : * Conduct reasonable reinvestigations of disputed information. 
* Provide adequate consumer notifications regarding dispute outcomes. 
* Ensure the accuracy and completeness of reported information. 
Previous Dispute History XXXX XXXX  are records of my disputes dating back to XXXX, including CFPB complaints filed on XX/XX/XXXX, XX/XX/XXXX, and earlier. These disputes demonstrate a pattern of Experians disregard for FCRA obligations, particularly regarding reinvestigation timelines and consumer rights to dispute resolution transparency. 
Request for Resolution : XXXXI demand that Experian : 1. Immediately correct or remove all inaccurate information outlined above.

2. Provide a detailed method of reinvestigation for each disputed item as required by FCRA.

3. Prevent re-insertion of previously disputed items unless supported by verifiable evidence. 
Failure to address these issues may lead to additional legal action, including filing formal complaints with the CFPB and pursuing remedies under the FCRA. 
I expect a written response within 15 days of receiving this letter. Please direct your reply to the address above or via email at XXXX. 
Sincerely, XXXX XXXX XXXX [ Phone Number : XXXX ] Attachments : * Copies of dispute results ( Report Numbers : XXXX, XXXX, etc. ). 
* Supporting documentation submitted during disputes. 
* CFPB complaints filed against Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I drove a XXXX, and was almost a fatal The car was totaled in XXXX I paid my XXXX $ deductible and my insurance XXXX didnt pay my creditor Ally financial They didnt pay them, because they havent receive any power of attorney signed and notarized by me and send to them They never told me anything about the power of attorney nor called me For me the case was closed I went to buy a car, I was prequalified, and didnt get approved, because of my bed credit score due to Ally financial that declare that I was delinquent in payment and have XXXX $ debts I dont have any debts nor delinquency I paid my deductible and my insurance and creditor didnt do their job I cant buy a car no rent nor anything Please take care of this injustice They destroyed my life I beg you help me I need a place to live and a car to go to my work
Product: Mortgage

On XX/XX/XXXX I had a hose break under my dishwasher while we were gone and cause water damage to my home. I called my insurance company and reported the damage the following day. After waiting 22 days, XXXX XXXX XXXX sent me a check for the repairs of my home, for {$8100.00} which I received on XX/XX/XXXX. After being in constant touch with Pennymac, since the date of the flood, I had all of my required paperwork submitted and received by PennyMac. Upon receiving the check for repairs, I called Pennymac to find out what their procedures were with regards to me mailing them the check so that it could then be sent to my contractor. Per instructions, I overnighted it along with a prepaid overnight envelope for return. 
Upon verification that Pennymac had received the check, I called to remind them that per the signed contract submitted by my contractor, he was requiring 50 % down. 
The signed contract had been submitted on XX/XX/XXXX. Pennymacs own website states that it can take UP TO 3 business days to process documents. However, upon realizing that they had missed this, on the XX/XX/XXXX, they rejected the signed contract on the XX/XX/XXXX they rejected my contractors business license. Then they decided to send his XXXX to the IRS for proof of identification. On Monday, the XX/XX/XXXX, I was told his XXXX was being held up because it did n't have his home address. This was corrected and uploaded, and today I was told that his XXXX needed to have both company and personal address. 
Let me add that my home is in forbearance and potentionally refinancing. When I informed Pennymac that from hence forth, all calls were going to be recorded by me, I was flat out told that Pennymac forbids recorded phone calls and I was then told " your home is in foreclosure, so what does it matter ''. When I informed them it was unlawful to move a home into foreclosure without informing the buyers, and to XXXX how well that worked out for XXXX XXXX, a Pennymac spokesperson called me back and assured me that there had been a mistake ; my home was not in foreclosure. In the mean time I have been without a sink, a single cabinet or floor in my kitchen and my basement remains gutted.
Product: Payday loan, title loan, or personal loan

1. I have an Avant personal loan. For 6 months I have been making payments on time, they withdraw {$270.00} from my XXXX XXXX XXXX account. This works fine. 

2. I called them on XX/XX/2019 to make other arrangements to pay this month 's installment and they said I could use a credit card. Master  or XXXX. I gave them my MasterCard number, which had {$660.00} and change available credit. 

They said it was declined. They then put it through again after verifying the number and expiration date and 3 digit number on the back. They had also asked for my fill mane and address, my social security number and my phone number if I recall. They put it through again. It was declined again.

4. They suggested I try another card. I asked them if they could find out why it was declined and they said I had to do that.

5. I called my card provider and was informed their vendor ID had come up as being flagged as a gambling related operation which they would not honor. This is XXXX XXXX  supposedly reputable, or at least within the boundaries of the law?

6. I called Avant customer service back and they expressed sorrow for inconvenience and appreciation of my patience and that this is the " first time '' they had ever heard of such a thing, them being flagged as such and they suggested I try another Mastercard. I thought, not a good idea. They then suggested I deposit cash into my bank account so I can make my regular scheduled payment but I explained if I had cash I would have done so already basically.

7. I spoke to a supervisor and asked to speak to their legal department and they said they would register my issue with their higher up department but that would take up to 14 days before anything might happen.

In the interim, my concerns are : a ) I believe their customer service, offshore from what I can speculate, based on the accents and the boiler room background noise on the phone conversation, was phishing my personal information. 

b ) They are denying my the ability to pay my bill deliberately in order to charge me a late fee and or extra interest by making it as difficult as possible to pay them. 

c ) They may be guilty of predatory lending and or in violation of some law or another. Buyer beware I know, but this is just disheartening.
Product: Mortgage

SELECT PORTFOLIO SERVICING, INC. never sent Monthly Mortgage Statements since XX/XX/2020. This company operates under the RICO ( Racketeer Influenced and Corrupt Organizations Act ) and their " Banking License '' should be suspended and their principals should be put in jail for criminal fraud. Also reported to XXXX XXXX at XXXX XXXX XXXX XXXX, Washington, DC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, XXXX XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

Please send me the results to the address listed above.
Product: Debt collection

I received a call from my boss at a XXXX home I only work at once a month. She stated that a man called and said that he was contacting her to tell her I was being sued and that he would be at the job in the afternoon to serve me, with a police officer. or she could just give him my address and they will come to my home instead. Also was asking her if I work tonight. He then gave her the phone number so she can reach him and the case number of the " law suit ''. She gave me all the information and when I called I learned that it was a collection agency. I do not know how they got my job information as I haven't been working for them for that long and this really didn't look good for me. She told me please take care of this we can't have people coming to the XXXX home for things like this. I did not speak to anyone on the phone from the company ( Northern Resolution Group LLC ) They did not identity them self to my boss as a collection agency in XXXX NY.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion Credit reporting agency , XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is\nthe result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, XXXXXXXX XXXX XXXX account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All\n of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint\n # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

i am complaing about bank of america charging a lot of those fees durring the pandemic i have XXXX kid and my wife and they was not working. everytime i call the bank to ask them for help. XXXX  XXXX is not computer error. their is nothing they can do, i am sending that itermize stament as far as fees they charge in my account.
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX of XXXX on XX/XX/XXXX. 
The vehicle was financed through Chase Auto Finance for {$37000.00}. 
An online account was set up to make payments, with chase account ending in XXXX, and we made our first payment before the first due date ( XX/XX/XXXX ). 

On XX/XX/XXXX, I received a credit alert email, saying that a new account had been created using our social security numbers and my credit has changed. 
Chase Bank somehow created a duplicate loan/account of the exact same amount, and the account ends in XXXX. 
I have called both Chase Auto Finance and the XXXX Dealership and both pin the blame for the duplicate loan on each other and aare not offering any solutions. 

This duplicate account negatively affected our credit scores greatly, and it shows that we are late in payment, which is not true because the payment on the real loan was actually made. This is very bothersome and negatively effects my " 100 % on time '' payments. 

Isn't it illegal for Chase and/or XXXX to create a new loan/account in our name without our knowledge or approval? 
Would it also be illegal that Chase and/or XXXX used our social security numbers to negatively effect credit scores without our knowledge or approval? 

Please Help!!
Product: Checking or savings account

On Monday, XX/XX/XXXXXXXX  I received a Citizens Bank offer soliciting me to open a Savings account and offering a {$50.00} bonus to be paid in XXXX if I deposit {$100.00} in XXXX, XXXX and XXXX. Please see email screenshot attached. It was a targeted email solicitation addressed to me, XXXX XXXX. On XX/XX/XXXX I opened a Citizens Bank savings account ending in XXXX and deposited {$100.00} three times on XXXX, XXXX and in XXXX, XXXX and XXXX. Imagine my astonishment and disappointment when Citizens Bank paid only {$25.00} on XX/XX/XXXX instead of promised {$50.00}. The payment of {$25.00} was made to my Citizens Bank checking account ending in XXXX. I called Citizens Bank in XXXX and Citizens representative told me that I need to wait and additional {$25.00} will be deposited by the end of XXXX or shortly thereafter. I was relying on representation made by the Citizens representative and waited till the XXXX of XXXX. Today, XX/XX/XXXX, I called Citizens Bank inquiring about the promised {$25.00}. I spoke with XXXX XXXX. He was not helpful, arrogant and abusive. He was not listening to me and bluntly insisted that some regulations prevent him to do right by the customer and that's really important to me because he was dishonest, making up one excuse after another instead of explaining the situation and being a part the solution. He never explained what exactly regulation is contrary to the promise made by Citizens bank when I opened my savings account. I am banking with the Citizens for over 20 years and it is the first time I encountered such abusive customer service representative. I am at loss as to why Citizens employing people like XXXX XXXX. I understand that not everyone fits to work in customer service, training might help but with XXXX XXXX nothing would help. Hating people and working in customer service are not mutually inclusive. Customer perception of a company can be based on just one person and you dont want the face of your company look like XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a debt notice XXXX/XXXX/15 for a medical service rendered over 5 years ago. This is the XXXX notice of any debt related to unpaid claims. Deadline of XXXX/XXXX/15 to pay or be reported to credit bureau. Requested proof of the debt. They said they will mail it to me but I wo n't receive it by their deadline. This situation seems like a scam. I called XXXX and was treated rudely each time.
Product: Mortgage

Lakeview loan servicing had not paid my property tax bill. Which they are responsible for doing. It is past due. And it is holding up my refinance. I have attempted to contact them many times. I've spent hours just getting transferred around in the phone tree without taking to anyone. When I finally some to someone, they or me on hold for a long time and still had no clue how to handle this when they came back. They have left me with no options
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  acct # XXXX, XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX equifax XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I switched cell phone providers in XXXX XXXX ; left XXXX after being with them for more than 10 years and moved to XXXX XXXX XXXX. In XXXX XXXX my online XXXX account was suspended. I received a bill in the mail from XXXX in XXXX XXXX providing the amount owed. I made a payment via check and mailed it to XXXX in XXXX XXXX. I got a letter from XXXX stating that I had access to my online XXXX account again. I went online to make another payment this week. The very next day I got a phone call from a debt collection agency. The caller stated that XXXX gave my account to debt collection agency. I am outraged. I am currently paying this bill, I have not failed to pay, I have paid online. XXXX gave no notice that the account would be going to debt collection. This is complete bullying by XXXX and they need to be held accountable.
Product: Checking or savings account

I received a large amount of funds in my account and I reported it to the bank. Also my debit card was being used as well as fraud from someone so the bank froze my account and I am not able to open up another account or get my funds out. Please help me