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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Formal Complaint Against Experian - Improper Reporting of Charged-Off Account Dear CFPB Representative, I am writing to file a formal complaint against Experian for their continued and improper reporting of a charged-off account on my credit report. Despite my repeated requests for a proper investigation, Experian has failed to correct the inaccuracies related to this account, which has resulted in the ongoing violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Original Charge-Off Date : [ XX/XX/XXXX ] This account was charged off on [ XX/XX/XXXX ]. Since the charge-off, Experian has continued to update the account as charged off every month. This constitutes an improper update to the payment history of the account. A charged-off account should not include an active or ongoing payment history as it inaccurately extends the statute of limitations and falsely represents the status of the account.

I have previously disputed this account with Experian on two separate occasions, requesting that they correct the reporting errors. Unfortunately, Experian has failed to conduct a proper investigation and continues to report the account inaccurately, in direct violation of my rights under the FCRA.

I am requesting that the CFPB intervene in this matter and ensure that Experian conducts a thorough and accurate investigation into the reporting of this account. Given Experians continued neglect and violation of my rights, I am demanding the immediate deletion of the following account from my credit report : Account Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] I trust that the CFPB will take swift action to address this issue and hold Experian accountable for their failure to comply with federal regulations. Please keep me informed of any actions taken regarding this complaint. 

Thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to XXXX that they have listed duplicate car loans on my credit report one XXXX XXXX XXXX and XXXX XXXX XXXX for over 60 days. This matter has been resolve and the dispute has been open with XXXX XXXX and Trans uNION FOR OVER 30 DAYS. I do not receive any response due to an ongoing federally constructed and orchestrated civil criminal conspiracy. I have closed and paid this account and it should reduce my dent by XXXX XXXX this is being done to deliberately negatively impact my credit and way of life by certain individuals who are XXXX and criminal informants from this house and this church in my neighborhood participating in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Mortgage

I requested documentation from Nationstar Mortgage, on how much it would cost to pay-off the loan on my home. On XXXX/XXXX/2016, they sent me a document stating almost {$9000.00} and that I had until XXXX/XXXX/2016 to pay this amount in full. I paid the entire amount by wire transfer on XXXX/XXXX/2016. On XXXX/XXXX/2016 I called to verify that the payment was received and was told by the person who answered the phone that I would be charged an additional {$500.00}, because I missed the XXXX/XXXX/2016 cut-off. This was not stated in the initial letter and I feel like I 'm being ripped off by NationStar. The full pay-off has been received by Nationstar, plus they sent me a {$99.00} refund for overpayment. How do I get an overpayment refund and then get charged for missing a non-disclosed cut-off? This is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

this issue backs from XX/XX/XXXX when XXXX XXXX XXXX did split an {$7100.00} credit card in two, one in dispute are XXXX sent to Santander Bank in XXXX. While dispute with XXXX XXXX XXXX the split that cause unfair negative information on my credit report and they not take any positive attitude or had answer interest came compound that debit reached {$3100.00} reported on Santander and XXXX XXXX XXXX for certain amount of time and at same time, how could be that when XXXX  XXXX XXXX reported sent to Santander? 
More recently year by end year XXXX I contact Santander to make an arrangement to pay that debit to clear my unfair debit, I did paid the amount with Bank receipt by XX/XX/XXXX the total amount. Santander does report my credit card activity on XXXX  card account # ending in XXXX, the they state in their letter " your credit card # ending in XXXX ( the one that did carried debit amount ) is assigned to this account number being reported to the agencies. This account was transferred from XXXX XXXX XXXX " Santander never reported payment to XXXX even after I called the Bank to do so, as show on my credit history, appear incorrect ND and CO. XXXX only state my comments. 
Santander Bank, always send a letter to me after I do request them to report XXXX   and fix the problem and last said on second paragraph " ... .Santander reported this account as a paid charge off. Per XXXX, this account is reporting as a paid charge off '', my question are, is it XXXX will report to the Bank to say how the Bank will state on letter or the Bank will report to Agency? Why the Bank does not report paid as agreed on arrangements their letter dated XX/XX/XXXX? Charge off or Written off are considerate by XXXX not paid to first creditor, But, never was first creditor or third parties, this were a new credit card sent by XXXX while ( XXXX ) kept another on XXXX   XXXX XXXX. Why Santander never report to XXXX? All this are unfair and hurt me with no reason at all, I believe there nobody that take the right attitude to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I disputed inaccurate information I found within my credit report to all three major credit bureaus ( i.e. XXXX, Equifax, XXXX ). Neither bureau presented any evidence supporting the accuracy of their investigation into the issue I raised. Below are the companies believed to be in violation of the FCRA : 1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX 2. XXXXXXXX XXXX  opened XX/XX/XXXX 3. XXXX XXXX XXXX opened XX/XX/XXXX 4. XXXXXXXX XXXX opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my Self account like almost two years ago and the guy told me it was closed XXXX of XXXX  & I dont see how now they got a delinquency of payment for a month of when I canceled the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

this company is falsely reporting information on my credit file. When I disputed this information it was removed then put back on to my credit report. They did not notify me 5 days before hand by law and i am requesting that this be removed from my credit report!
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Inaccuracies in Credit Report I am reaching out to address discrepancies present in my credit report, which your company has published and has led to my recent credit denial. The information in question pertains to the following accounts : Under 15 U.S.C. 1681i ( 7 ) Method of Verification, this account is in violation, reported without valid evidence : XXXX Account Number : XXXX Kindly correct/update this inaccurate information on my credit report. 

I want to stress that I did not provide written permission or instructions for these specific transactions to be included in my consumer report. I formally request the blocking and deletion of these accounts, and I emphasize that this request is not in error and is not based on any material misrepresentation of facts concerning the request for blocking these transactions.

Your company seems to be in violation of the law, as outlined in 15 U.S.C 1681a 2 ( A ) ( i ), stating that a consumer report should not include : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' The law explicitly states that Experian making the report should not be included in my consumer report. Utilization, as an experience related to the line of credit extended between the consumer and the reporting entity, should not be included in the consumer report, as clearly stated by Congress.

I insist that you update my utilization to 5 % or below within XXXX calendar days or remove all utilization from the mentioned accounts. 

Additionally, I demand that you provide all documents on which you are relying for reporting accounts ( XXXX ) and ( XXXX ) mentioned earlier. This request aligns with your obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ), granting consumers access to these records. The information you are reporting is damaging my reputation and adversely affecting my creditworthiness.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verify these accounts.

Apart from the removal of erroneous and unverified information, kindly remove all non-account holding inquiries over 30 days old. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, " verification '' is defined as " confirmation of correctness, truth, or authenticity by affidavit, oath, or deposition. An affidavit of the truth of a matter stated, and the purpose of verification is to ensure the good faith of a party 's averments or statements. '' Failure to respond satisfactorily with the deletion of the above utilization & inquiries will result in legal actions being taken against your company, and I will seek {$1000.00} per violation for : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
Product: Credit reporting or other personal consumer reports

The credit report me to the credit bureau and the took my credit down XXXX points I have not missed a payment and they are still adding extra charges
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS, these accounts are not mine. Aso, This is not my home address. I never lived here nor received emails here. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2000 XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NM XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone hacked my account and is now using my identity to contact you. My name is XXXX XXXX XXXX and they contacted you as XXXX XXXX that is not me. Please fix this. I am the real person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inaccurate inquires I have contacted the creditors & the bureaus reporting this info. I have provided documentation stated I did make these hard inquiries after this period of time please remove these inaccurate inquires
Product: Vehicle loan or lease

I sent Capital One a certified notarized letter requesting several documents that they never provided and instead sent me a response by regular mail denying all claims.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



1. US DEPT ED - XXXXXXXX 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. US DEPT ED  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Payday loan, title loan, or personal loan

Enerbank informed customers that it was transitioning away from an old website/pay portal to a new website/payment portal in XX/XX/2023. As a result, the website indicated that if the customer already had a recurring payment established, a new one needed to be created. I did this at the beginning of XX/XX/2023, for a XX/XX/2023 payment. 

However, on XX/XX/2023, my prior recurring payment AND new recurring payment were both deducated from my savings account. I called Enerbank on XX/XX/2023 to report the issue AND the representative said I had to email the company 's account processing contact! I then called on XX/XX/2023 to get an update AND they could not provide one and said they will follow their process to resolve without providing any timeframe.

This is completely unacceptable as these are 2 large payments taken out on the same day ... and the company does not feel any urgency to repay me for their error and continue to inconvenience me to try to resolve. If I was late on my payment, I would incur many fees... but its acceptable for the bank to take more money than they should have! Unacceptable... please help!
Product: Student loan

Putting me on repayment plans that barely pays the principle and are solely allocated towards the interest without informing me of that. When put on a rate reduction program, Navient would not remind me to sign back up. Would charge me for higher interest rates while I was n't signed up. Had to resign back up through a very extensive process in order to be re-initiated into the rate reduction program. Aggressive and non sympathetic ways of analyzing my finances in regards to payment plans. I 've twice had agents think it was okay that I would be left with {$50.00} in my bank account balance at the end of the month after my expenses and Navient loans were paid that month. Have had multiple tactics stated to try and get me to declare forbearance even though payments have n't been missed since I was struggling to pay their monthly rates. Always received different answers from different employees regarding loan status/problems. Harassment- multiple phone calls to my cell phone and my parent 's home calling for collection for missing payment by one day. 8 years have gone by and I 've paid tens of thousands of dollars, yet my balance still remains the same.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, specifically regarding the account XXXX XXXX XXXXXXXX. This request is made in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. 

I recently reviewed my credit report and noticed several incorrect accounts, including the one mentioned above. I believe these inaccuracies are adversely affecting my credit report and costing me significant amounts in interest annually. I understand that it is your responsibility to investigate these items to ensure their accuracy. 

Below is the account I am requesting to be reinvestigated : Account Name : XXXXAccount Number : XXXX I request that you thoroughly reinvestigate the completeness and accuracy of every piece of information related to this account. If any information is found to be inaccurate, I ask that it be promptly removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be deleted from my credit report. Additionally, under 15 U.S. Code 1681e ( b ), I ask that you ensure all procedures followed in including this information are reasonable and guarantee maximum accuracy. 

Please send me the results of your investigation via mail once it is complete. I appreciate your time and attention to this matter and look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple requests, the unverified item with XXXX, inaccurate late payments status, still remains on my credit report in violation of XXXX XXXX. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Mortgage

On XX/XX/2022 I applied with ( HAF ) Homeowners Assistance Fund. I received and subimitted my Application on XX/XX/2022. I called XXXX several times and all you get is someone that answers the phone only to tell you it is in review but not explaining what that means are if anything is being done in regard to my application. I am currently behind on my Mortgage and running out of time for an answer. They have no contact information or updates at all. I would just like to know if I am approved or not and so I can figure out something. I think this is a poorly ran program because they have all my personal information and no one is communicating to me in order to tell me what they are doing with it. This application was submitted to the XXXX Florida office. XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX Hours of Operation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The refuse to fix the problem. This is not my account and they still have not sent me any documentation verifying what this inaccurate information is. It has been well over 30 days. I will be filing police report
Product: Credit reporting, credit repair services, or other personal consumer reports

For roughly 5 months I have noticed that there has been an incorrct credit report in regards to an auto loan I had taken with navy federal bank in XXXX. Whenever I made a payment it would not reflect on my credit score, therefore stating that i owe more than what i did. On my credit report it would also state that the last update was done sometime in XXXX XXXX. Approximately 2 weeks ago, I had called navy in regards to this issue and they made no efforts to resolve this issue. It has bought my credit score extremely low, and other creditors have lowered my credit card limit because of my credit score. My credit score currently says I owe XXXX. But my account balance with my bank says I owe XXXX which is the correct amount. I would really appreciate an investigation on this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.