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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX Re : Cease and Desist Failure to Properly Investigate Inaccurate Accounts Dear Experian, I am writing to formally demand that Experian cease and desist from continuing to report inaccurate information on my credit report regarding the following accounts : Despite my previous attempts to dispute these inaccurate entries, Experian has failed to properly investigate the disputed accounts as required by law. I believe this failure constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ).

1. Failure to Investigate FCRA Violations Under the FCRA, specifically 15 U.S.C. 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. When a consumer submits a dispute, the agency must investigate the issue and correct or delete any information that is found to be inaccurate, incomplete, or unverifiable. 

Experian has failed to properly reinvestigate these accounts, leaving inaccurate information on my credit report. As per the FCRA, you are required to " reinvestigate free of charge '' and " delete the item or record the current status '' if the information can not be verified. Your failure to comply with these provisions is a violation of my rights under the law.

2. Unfair or Deceptive Practices CFPA Violations Under the CFPA, specifically 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), consumer reporting agencies are prohibited from engaging in unfair or deceptive practices. Failing to properly investigate and resolve consumer disputes is an unfair and deceptive practice that harms consumers by improperly impacting their creditworthiness and financial opportunities. 

It is clear that Experian 's lack of adequate investigation into these inaccuracies is a violation of my rights under the CFPA.

Demand for Immediate Action In light of the above, I demand that Experian : Cease and desist from reporting the inaccurate accounts that have not been properly verified or investigated. 
Immediately reinvestigate the disputed accounts and take corrective action, including the removal of any unverifiable or inaccurate information from my credit file. 
Provide written confirmation of the outcome of your investigation and any corrective action taken. 
Please be advised that if this issue is not resolved within 30 days from the date of this letter, I will take further action, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and any relevant state authorities. Additionally, I will consider pursuing legal action if necessary. 

I expect to receive a response from you promptly confirming the steps you will take to resolve this matter. Failure to address this issue within the legal time frame will result in me taking further legal and administrative actions to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I visited the TransUnion.com website to obtain a credit report. It is my understanding that credit reports are supposed to be offered for free ( 1 per year ) by law. The links from the main page to get your report contain fine print regarding details that you are in fact signing up for a credit report and monitoring service for {$24.00}. If you do not very carefully read these details you will be charged at least for one month in order to see your report details. 

This is, in my estimation and opinion, a type of deceptive trade practice. It is very telling once you log in that if you choose to cancel where you are offered a drop-down selection of reasons for cancelling, which includes " I did not expect to be charged '' as a choice. 

I initially disputed the charge through my bank but then cancelled, realizing it would be rejected due to the fine print. 

Interestingly I setup an account through the other 2 credit services, XXXX  and XXXX and was not charged to see my information. If the response from TransUnion is that reports must be requested via XXXX then that should be clearly indicated to the public I would strongly advise against the use of Trans Union or their services for any reason due to what I consider to be a dishonest approach. Basic news research has shown they have been cited for this kind of behavior in general before.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute a late payment notice I recently received regarding my credit card account # XXXX XXXX XXXX XXXX. As a diligent cardholder, I have reviewed my records and found discrepancies that I believe warrant further investigation under the provisions of 15 USC 1666b of the Truth in Lending Act.

I received a notice indicating that my payment for the billing cycle ending on XX/XX/year> was received after the due date. However, upon reviewing my records, I found that I made the payment on XX/XX/year>, which was well within the grace period specified in my cardholder agreement.

Enclosed with this letter are copies of the following documents for your review and consideration : A copy of my credit card statement for the billing cycle ending on XX/XX/year>, clearly indicating the payment made on XX/XX/year>. 
Proof of payment confirmation, such as a bank statement or transaction receipt, verifying the payment date.

Based on the information provided, I respectfully request that you : Conduct a thorough review of my account and acknowledge the receipt of the payment made on XX/XX/year>. 
Correct any inaccuracies in your records that led to the issuance of the late payment notice.

Provide me with a written explanation of the findings of your investigation and any adjustments made to my account.

Furthermore, as per 15 USC 1666b, I would like to request that any negative reporting to credit bureaus resulting from this dispute be suspended until the matter is resolved.

I appreciate your prompt attention to this matter and expect a timely resolution within XXXX  days of the receipt of this letter, as required by law. Thank you for your cooperation in resolving this dispute. Should you require any further information or clarification, please do not hesitate to contact me at
the phone number or email address provided above. 
Sincerely XXXX XXXX [ Enclosures : Copies of credit card statement and proof of payment ]
Product: Credit card

On XX/XX/XXXX I unknowingly was charged {$95.00} on my capital one venture credit card for a yearly credit card membership fee. I didn't know my credit card had a membership fee. Due to the holidays, I didn't notice that the charge was posted to my account until XX/XX/XXXX. I immediately called Capital One to ask for the credit card to be closed and to waive my fee since XXXX I am closing the account and XXXX I will not be receiving any benefits. The Capital One representative told me that if the membership fee had posted XX/XX/XXXX or after, I would be able to receive my {$95.00} back, but since it posted on XX/XX/XXXX ( approx XXXX week earlier ) I would not. This seems ridiculous and unjust. I closed my account and believe my membership fee should be waived since it is a payment for benefits one year forward, which I will not participate in and have received no value for.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$300.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX Account Number : XXXX Balance : {$0.00} XXXX Account Number : XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX according to USPS Certified Mail TransUnion received a letter from ME regarding inaccurate and unknown items on my credit report. Embarking on 100 days later I have not received one word about the inaccurate items that I noted in the letters received by your company on XX/XX/2021. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon. These items should be deleted promptly. I demand that these items are deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the XXXX data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year as well as preventing me from applying successfully to purchase a new home I sorely need. I need this problem fixed asap I will not wait another 100 days to receive a no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 100 days soon so they should be deleted promptly.
Product: Debt collection

Synergetic Communications, incXXXX XXXX XXXX. XXXX # XXXX, XXXX, TX XXXX. 
www.syncomcorp.net, Phone : XXXX XXXX XXXX, FAX : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX. Debt written off XX/XX/2001. 

They are sending notices out to people for debt collection. Of course most people with debt can not read, write or let alone understand the law of statute of limitations. 

Not until the 2nd paragraph of the debt collection notice in exceptionally small print does it state : " This debt is too old for you to be sued in court as the statute of limitations has expired, and you can't be require to pay it trough a law suit. '' Here is the worst, note : the last bit of this sentence, " and you can't be required to pay it through a lawsuit. '' I have a degree in English Literature. And I found that last little bit in that sentence was confusing. Can you imagine the illiterate trying to decipher this?

Thank you very much for your help and please thank XXXX XXXX for working across the isle to create this agency.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. I have been a victim of a data breach, which compromised my personal information, and the entries detailed herein are fraudulent. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information blocked from my credit file. 
Fraudulent Accounts : 1. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 2. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 3. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 4. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 5. DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$00.00} 6. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 7. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 8. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 9. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 10. DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$00.00} 11. DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$00.00} 12. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 13. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} 14. DEPT OF EDUCATION/XXXX - XXXX - XX/XX/XXXX - {$00.00} 15. DEPT OF EDUCATIONXXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I got a letter from this agency regarding hospital bills from XX/XX/XXXX. When I called the agency they informed me that I would have to contact the XXXX Fire Department for any billing information as well as to make sure that both my insurances were billed for this matters. When I contacted the XXXX and got the run around eventually I was informed that the agency lied to me and gave me misinformation and that they were the ones who were supposed to have all the billing information including insurance. So they are attempting to collect a debt which is covered by my insurance due to the hospital or ambulance company not putting the correct address on the mail. I only received this bill the end of XXXX of XXXX that was forwarded from my old home. 

When I called the XXXX finance department some rude unprofessional lady by the name of " XXXX '' refused to transfer me to her supervisor claiming no supervisors were available due to the pandemic. When I asked for the name of her supervisor she told me it was a XXXX XXXX. I asked for the ladies name and she just told me XXXX and that she doesn't give out her last name. She wanted to sit there and argue with me over an account number and telling me its my fault that the account went into collections and that I should have provided them with all my information when they picked me up. Just a XXXX  low class lady that obviously has no accountability for her rude minimum wage behavior. 

When I called XXXX the operator she then went mind blank claiming she had no idea what finance department she transferred me to nor anyone by the name of XXXX.
Product: Credit reporting or other personal consumer reports

During the summer of last year when applying for credit using I was advised from creditors they were unable to pull my credit report from Equifax due to a block or freeze. I immediately called Equifax and was advised that nothing was wrong. So I kept calling and was informed there was a block and I needed to submit a letter along with my ID and social security card for verification in order to remove block from my credit report. I submitted this letter in XXXX and to date it was never taken care of and its ridiculous that my situation was never addressed. I called again on XX/XX/XXXX and was told I must resubmit all documents once again if I wanted the block to be removed and that the information they received in XX/XX/XXXX was no longer valid. If at all possible is there anyway to have the block removed without this information I was totally inconvenienced and the entire process is frustrating. Please help me in this situation.
Product: Mortgage

I applied for a Quicken Loans Rocket Mortgage and I was working with another lender as well, I was negotiating with them about the cost I am getting from another lender. 

The mortgage banker at Quicken Loans told me that he'll beat the costs of another lender and he provided me the estimate and I agreed to it. The document was sent to me on XX/XX/19 and it has the closing costs of {$26000.00} and amount of {$6800.00} was appearing as Adjustments and Credits. 

But then on XX/XX/19 only 3 days prior to the close ( closing was on XX/XX/19 ), I received the final closing package and the amount of Adjustment and Credits was {$2700.00} out of which {$500.00} was the deposit which I gave to Quicken and the remaining was the prorated tax credit I got from the sellers as they were liable to pay the taxes from XX/XX/19 to XX/XX/19. Although the total cash to close was less but that was because I didn't opt for some of the optional services which were there in the initial estimate. 

I remembered during initial call, the banker did tell me that he has taken the permission from the VP to apply some additional discounts to bring down my closing costs and then on XX/XX/19 when I saw the final numbers, I gave Quicken a call to explain why the discounts were removed. He told me that my final numbers are less but I told him that's because I didn't opt for some of the services and because of the title company costs and it has nothing to do with Quicken costs but he didn't listen. Then they bankers stopped calling me so I left a feedback on the portal. I got a call from a lady just a day prior to the close that they'll do whatever they can and it won't impact my closing process. 

I didn't want to lose the property and because that lady assured me I thought it's OK to close the loan and they'll adjust the amount later. Then my case was transferred to a guy and now he is saying that we can't adjust it because you signed the closing documents. 

First of all nobody was talking to me prior to the close and now they are saying this. I just asked them a question that what was the math behind {$6800.00} adjustment and credits if it was not discount and nobody is able to explain that. Sometime they say it was a discount and sometimes they say it was prorations but even then there has to be some math behind it. 

The bottom line is that they applied the discounts first in order to beat the price of other lender but then they took it off when they saw that actual cash to close is already low because of other factors. The other lender was offering me exactly the same thing in just {$2200.00} origination costs and they charged me {$7000.00} for that when they promised that they'll beat the price. 

I have worked with almost all the departments of Quicken by now but they are not ready to listen to anything and they are just cooking up new stories everytime.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never been associated with the company XXXX. There are two accounts on my credit report relating to this company. I have completed a FTC to provide evidence of fragluent activity on my credit file. At this time I would like to have this account removed. They are having a negative effect on my credit and creating a damaging image on my image. 

Attached is the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone named XXXX XXXX stole my birth certificate and social security card a couple years ago and has been trying to open accounts. He lives at XXXX XXXX XXXX in XXXX XXXX az XXXX and is using this address as my current address which is invalid.
Product: Credit reporting

Today, I am received from Experian - incorrect phone number and spouse. 
I am not phone number - XXXX, XXXX and XXXX that my ex husband 's phone number. 
My phone number - XXXX. 
My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
Need delete - old address XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I was divorced on XXXX 2007 and moved to XXXX. I am not longer at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX about nine years till now. I still lived here in XXXX about nine years till now. 
I am not agree - old phone number and old address that not mine. That my ex husband phone number and his address. 
I am upset that need delete - spouse and mortgage - closed and my ex husband only his name in mortgage now but I do n't want to stay in mortgage in my credit report cause affect if my ex husband not pay mortgage - I not want any more bad credit history or be forced to make any payments as I will be unable to do so due to my very fixed income and low income. 
I show you - attach documents.
Product: Mortgage

The response from Selene Finance to CFPB is incorrect. My application for loan modification the income section is incorrect. Income reported on my application {$4500.00}, Selene reported income to CFPB {$6700.00}. Errors on Social Security amounts. Rental income I reported {$800.00} monthly, Selene reported {$2600.00} of Rental Income on their report to CFPB.
Product: Credit reporting

Experian notified me on XXXX/XXXX/2016 that there has been a change in my credit score. When i logged in I noticed there is recent XXXX activity on my credit report, which lowered my credit score. 
I did not authorize an inquiry therefore, I suspect there has been an attempted ID theft. 
Experian is unresponsive to my inquiries.
Product: Credit card or prepaid card

To Whom It May Concern, Capital one advertises full fraud detection for charges not authorized by the card holder. Yet, after reporting multiple fraudulent chargers not authorized by me ( the card holder ) Capital One refuses to uphold their agreement issued in the card member agreement. 
Starting XX/XX/XXXX fraudulent charges were made up until XX/XX/XXXX. When we reported fraud the first and second time the representative did nothing about it except make a note that we are reporting fraud. They did not change the card number or lock the account. Therefore, fraud continued to be charged until the next day when I noticed more fraudulent charges. When I called the 3rd time and got ahold of a manager he resolved the issue and stated " we made a mistake on our behalf and did not cancel the card, that is why fraud continued to happen ''. I thought it was resolved after this conversation but on XX/XX/XXXX of 2019 Capital One put these charges totaling {$700.00} back onto my account. I immediately called Capital One to figure out why these were put back onto my card. They stated that they could not detect these charges as fraud and that I am responsible to pay for these charges that I did not make. I do not ever use this card and it is likely that my card information was stolen in the cyber hack they experienced in 2019. Knowing this they are still unwilling to help and uphold their agreement.