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

On XX/XX/2019, I attempted to temporarily unfreeze my credit report with Experian ( I had successfully lifted freezes with XXXX and XXXX ). Although I thought I had a record of my pin number, their online system told me the pin was incorrect. I then tried to verify my identity without the pin number, but the system told me I would need to submit an identity verification request by mail. I needed to lift the freeze within 48 hours, so this was not a practical solution. 

On XX/XX/2019 I attempted to contact Experian by phone. Experian 's phone options do not let you talk to a person after selecting options for security freezes. After finally finding a person who did not direct me to send them a request by mail, I was told my options were to wait 7-10 business days or to pay {$20.00} to XXXX me a new pin. I chose the {$20.00} option. 

This does not seem to comply with current rules obligating agencies to conduct free credit freezes and then lift the freezes. I acknowledge that I could have written down the incorrect pin number when I originally froze the account, but there should be other options to verify one 's identity in order to quickly lift a credit freeze. This has been extraordinarily inconvenient -- and Experian 's customer service was absolutely abysmal.
Product: Credit card

I have a credit card with US Bank, a XXXX XXXX Personal Visa Card. This account was opened in XX/XX/XXXX about XXXX months ago. 
They just sent a communication they are cutting a core benefit of this card on XX/XX/XXXX, A XXXX hotel night will no longer be offered when booking reward stays of XXXX nights or more. This was the primary reason I opened my account. 

As part of the Card Act / CFPB rules, I thought issuers were not allowed to XXXX cut card benefits in the first year of cardmembership, and XXXX charge an annual fee for a benefit ( Which I paid at opening ) and then remove that benefit in the same year the annual fee is paid. 

I feel I was seriously deceived and misled and deserve a refund of my annual fee at the minimum, and additional points/compensation for a credit pull under false pretenses. 

Thanks for the help, XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are violating my consumer rights! 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

Bank Of America refusing cancel my PMI without expensive appraisal even so my principal balance of existing mortgage is below 75 percent of the original value.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. I was never late and this is inaccurate and an FCRA violation. 
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Late Payment Law Letter finance charge XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Under 15 USC 1681i ( 6 ) DEMAND TO COMPLY and 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability to credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has information in my credit report that is not correct due to their linking another individuals derogatory credit with mine. I have made numerous attempts to get this issue resolved. I am continually told by TransUnion that they can not remove the disputed, derogatory items ; even after I have disputed the items several times and have given TransUnion the correct information. This was done some years ago and they have once again created the same issue. TransUnion has sent the individuals information to my address as I am certain the individual has been sent my information. This has caused a very negative situation for me on my credit record and is indeed creating issues in every aspect. This individual has many, many collections against them. This individual has not been a responsible creditor. I have always handled my credit responsibly. 
I have also found out that this person is linked to my XXXX XXXX XXXX ; causing false reports about accidents for my vehicle with XXXX. I have requested to speak to supervisors and continue to be told the file is being sent to maintenance to get the issues resolved. I was also promised someone would send me information or a call back. I have yet to hear from anyone, unless I initiate the call. The individual that is linked with my credit lives in XXXX, NC. I live in XXXX, NC. We have some similar information, yet there are many differences that should be distinguishing. 
On XX/XX/2018, I spoke with XXXX XXXX who stated that the file had been sent to maintenance for investigation ; I was instructed to call back XX/XX/XXXX. I called again XX/XX/2018, this time speaking to another supervisor, XXXX, who promised to follow the issue until resolved and personally call me back. XXXX said she saw what the problem was and understood my frustrations. I never heard anything more from XXXX. On XX/XX/2018, I spoke to XXXX, who stated the file was being sent to maintenance. 
XX/XX/2018, I called each of the disputed creditors and was told by each one that they had nothing on me ; my name nor social security number was not in their database. I was told that this was an error on TransUnions part and they would have to correct it. I was also told that TransUnion was not going to call the creditors ; they would just send the information that was disputed. TransUnion has continually sent the information attached to my name without separating the names causing the disputed bills to remain linked to me. 
XX/XX/2018, I spoke to another supervisor who stated there was nothing that could be done to remove the information until the investigation was complete and the reporting companies okayed the removal of the disputed items. I informed the supervisor that I had spoken to each of the reporting agencies and their responses, yet to no avail. I will send documents that will reference all of the above. Hopefully, the dates and documentation is visible.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Request for Assistance Regarding Inaccurate Information on My Credit Reports To Whom It May Concern, I am writing to formally request your assistance regarding unresolved disputes with XXXX, Equifax, and XXXX concerning inaccurate information on my credit reports. Despite my attempts to dispute these inaccuracies directly with the credit reporting agencies, I have not received sufficient proof or data substantiating the information. 

Upon reviewing information about the CFPB lawsuit involving these credit bureaus, I believe I may have been impacted. In my previous disputes, the responses I received from the bureaus were generic and did not provide evidence that an investigation was conducted as required under the Fair Credit Reporting Act ( FCRA ). 

Under FCRA, I am entitled to have all inaccurate or unverifiable information removed from my credit reports, yet the bureaus have failed to fulfill this obligation. This ongoing issue has caused significant harm to me financially, as the inaccurate reporting affects my ability to secure credit and other financial opportunities. 

I kindly request the following : 1. A thorough investigation into my disputes with XXXX, Equifax, and XXXX to determine whether the proper procedures were followed. 
2. Immediate removal of all inaccurate and unverifiable information from my credit reports, in compliance with FCRA guidelines. 
3. An explanation of the steps the credit bureaus are required to take when conducting a dispute investigation, as well as how they ensure compliance with these steps. 

Attached are copies of my previous dispute letters, responses from the bureaus, and any supporting documentation relevant to my claim. 

Thank you for your time and attention to this matter. I trust that the CFPB will take the necessary steps to ensure that my rights under the FCRA are upheld and that the credit bureaus are held accountable for their obligations. 


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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Companies such as XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXinaccurate names alias and contact information. Hard inquires filed did not belong to me. I tried to dispute it and have not heard from the company. Class action data breach settlement paid XXXX after my information was exposed and used. Spent hours repairing and sent proof.
Product: Debt collection

Company is called Escallate, their phone number is XXXX, and they are calling BEFORE XXXX, today it was at XXXX, also, it 's an automated message, partially cut off, and I had to XXXX the phone number to find out who the company was.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received and reviewed my credit reports from XXXX, Equifax, XXXX and XXXX. On them I saw docket numbers : XXXX and XXXX. I then contacted XXXX, Equifax and XXXX and asked for verification on where this information came from. The results were, XXXX told me they verified these records through a third party company, XXXX gave a vague response that it was verified as accurate but did not say from whom. Equifax said they verified the records through the court. I believe this to be a violation of my rights under the Fair Credit Reporting Act so I reached out to the court here in Missouri. On XX/XX/XXXX I received the enclosed letter from the court stating that they actually do not furnish any of my information to any credit bureaus at all. XX/XX/XXXX I followed up with the credit bureaus to let them know of my findings and I sent them the letter from the court. Ive done all I can as a consumer but I need your help because I am being ignored. It has been an entire year and I have never gotten a response from the bureaus or any further results or authentic verification. Please review the enclosed documentation and remove dockets : XXXX and XXXX from all credit reports immediately. Please send me confirmation when this is completed. I have also included a copy of my license for identification purposes. 
Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. XXXX not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec.

1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX AND XXXX XXXX
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint against Citibank regarding a promotional bonus that I am entitled to but have not received. Below are the details of my issue : Account Information : Branch : Citibank XXXX XXXX XXXX, XXXX, CA Account Types : Checking and Savings Account Opening Date : XX/XX/year> Promotion Details : Promotion : {$300.00} bonus for completing an Enhanced Direct Deposit of a total of {$1500.00} Requirement Completion Date : XX/XX/year> Issue Description : On XX/XX/year>, I received a call from the branch manager confirming that I had met all the requirements for the {$300.00} promotional bonus and that I could expect to receive it soon. However, as of today, XX/XX/year>, I have not received the bonus. 

Despite numerous attempts to resolve this issue by contacting both the branch and Citibanks call center, I have not received any satisfactory resolution. I have been repeatedly assured that the issue would be addressed, but no action has been taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting a bankruptcy to XXXX, XXXX  and XXXX that has not been properly verified and is unverifiable. Ive contacted the Bankruptcy court in which the agencies state LexisNexis reports to these information from and was advise information can only be verified via PACER system. 

Ive made two attempts to resolve this issue directly with LexisNexis and they continue to violate my rights by not deleting the information in which they are unable to verify or provide me with the step by step method of who and how the information was verified. In fact on my last attempt to resolve the issue with them they have violated another consumer right by failing to respond with a 30 day period. 

I asked for your help to get a resolution within the next 15 days as they report of unverified information is cause harm to my ability for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are currently two XXXX XXXX XXXXXXXX bank loans that are showing on my credit report. These two accounts are fraudulent, we're not open by me. I contacted XXXX XXXX  XXXX with hopes of getting them resolved, they however stated the accounts are " valid '' and did not delete them. XXXX XXXX  XXXX directed me further to contact Experian to resolve the issue. At first, a dispute to remove the accounts were filed through Experian 's on-line website, however their investigation alleged the banks were " valid '' and they did not remove them. Please note, that Experian is the only bureau that shows the accounts - XXXX  or XXXX  show the fraudulent accounts. 

The information below will provide further information on the accounts : XXXX XXXX XXXXXXXX Account : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$300.00} Balance : {$270.00} XXXX XXXX  XXXX Account : XXXX Date Opened : XX/XX/XXXX Credit Limit : {$4500.00} Balance : {$4100.00} These accounts are fraudulent, we're not open by me and need to be deleted ASAP. 

Also to note, Experian has my date of birth being XXXX, this date is also incorrect.
Product: Credit reporting or other personal consumer reports

I have submitted multiple documentation to the following XXXX credit reporting companies, I have requested A Method Of Verification, and I did not receive anything and it's been over XXXX  days. My next move will be to file an law suit against these companies. The consumer law clearly states that unverifield information shall be deleted, but instead these companies are allowing these accounts to continue to be reported. Im demanding that the following items be deleted immediately, 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: Debt collection

On this date, XX/XX/2016 company opened a collection. 
Account # XXXX {$400.00} That I owe. 

I have never signed any written document saying that I owe this debt to the collector. 
Pursuant to 18 U.S. Code 8, I owe no debt. This company is violating my rights to privacy pursuant to 15 U.S. Code 1681b Section 2. Company has NO permission to report ANYTHING using my information pursuant to 15 U.S. Code 1681 section A, Subsection 4.

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit reports. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concern regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant with the platform.Despise using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions unfeasible.The CFPB Findings indicate that Zelle has not only neglected to protect consumers but has continued repeat offenders to exploit the systems leaving using vurneable to scams. The lack of accountability this is unacceptable and raises concern.
Product: Mortgage

Mortgage company failed to pay escrowed taxes from account. Payment is nearly a year late.
Product: Debt collection

I contacted the company and informed them to not call my place of business, as this is my work number, they stated they took my number off, but still calling.
Product: Credit reporting or other personal consumer reports

Experian closed this complaint with the absurd explanation that they always try to push, STRAIGHT CRIMINAL
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. ACCT Name : XXXX 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 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 reporting, credit repair services, or other personal consumer reports

I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time.  All 8 accounts and history of all 8 statements/bills and proof that all 8 are indeed mine. I am disputing I ever had 8 delinquent accounts.This is not fair reporting
Product: Debt collection

Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating that my claim is disputed and validation is requested.

This is not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Student loan

I have collection from XXXX University ; and I lost my job and Could n't pay for 3 months to the XXXX University and they send me collection for ALLTRAN ED I did agreement with ALLTRAN ED and I 'm paying every month without any problem But they do not inform credit bureau about agreement plan and about my payments I can not get any loan my credit history is very low. I cant fixed by credit history I called XXXX University XXXX department tried to explain the situation and asked them if they could recall my debt from collection agency but the XXXX University not willing to help either When I call collection agency they are telling me they will inform next 15 days or next 30 days or next 60 days they will inform bur already over 1 year they still did not informed still they do not want to inform credit bureu about payment plan and my peymants