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

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing 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, Experian '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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against US DEPARTMENT OF EDUCATION with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.
Product: Checking or savings account

There was an unauthorized cash withdrawal from my checking account at Citibank on XXXX XXXX, 2017 for the amount of {$1700.00} ( XXXX XXXX, XXXX XXXX XXXX dollars ). Since I did not withdraw this money and I 'm the only person on this account I contacted Citibank as soon as I discovered this transaction on XXXX XXXX, 2017. I requested an investigation of this transaction and Citibank just sent me a letter dated XXXX XXXX, 2017 stating that the disputed transaction was not fraudulent. I did not do this cash withdrawal from my account. Previously, on XXXX XXXX, 2017 I had written a check for {$1700.00} the exact amount of the cash withdrawal, but called Citibank to place a stop payment on it. ( I 'm attaching stop payment confirmation letter from Citibank ). If Citibank paid for this check, then, it is their mistake. My checking account records do not show that this check was cashed either. My records indicate that the withdrawal was done through a teller at a bank and it was a cash withdrawal.
Product: Credit card or prepaid card

On XX/XX/2022 Kohl 's contacted my wife 's job trying to contact me. My wife is not listed on my account nor have I ever allowed Kohl 's to contact my wife 's job asking for me or her for that matter. She did ask the representative with Kohl 's to remove her work number from their database. But this situation opens up unnecessary conversation for my wife and her workplace that shouldn't have happen. I have no idea how they got her work number or even knew to pull her job up. I am only a month behind in payment- the new payment has rolled over to a new due date. I hope this is somehow addressed it's a major invasion of privacy. Thank you for your time. 

Also the number that contacted her job is : XXXX
Product: Checking or savings account

On the day of XX/XX/2019, I was wrongfully accused of depositing two counterfeit checks to my account by Bank of America, I completed all necessary steps in proving that my checks were not counterfeit just to have my fresh new account closed for basically no reason at all. When I made the first call to Bank of America, on a recorded line, the representative had told me my account was on the verge of being closed because I uploaded the same check twice. I then explained to the representative that it was an accident and all I was meaning to do was upload better images because the first images were very poor looking. The representative, acts as if its not a big problem and supposedly connects me with the department to clear the situation up but no one ever answers after being on hold for 30 minutes or more. After a while another representative picks up the line from the same department and I briefly explain my situation to the female representative. The representative then notify me that the department who can help me is now closed and to call in the morning starting at XXXX. When I call the next morning, once again I explain my mistake, a new male representative tells me that my account is in closure status because of a counterfeit check and to go inside the bank to present proof that check is not counterfeit. I follow those steps and go to the nearest branch. I bring in the check and give the manager the number to the agency who sent the check, she claims that she cant reach anyone so I call with my personal cell phone. The manager speaks with the agency and informs me to the agency whom issued the check to fax over a letterhead and receipt in which the agency did. I call to check the status of the claim and I was directed to go to another branch so a financial advisor could speak to a representative of accounts closures. Still even with the financial advisor speaking and showing proof that all of this was a misunderstanding, my account was wrongfully closed.
Product: Credit card

This issue is about Discover Extended Warranty service. I filed a claim on XXXX/XXXX/XXXX regarding my XXXX may need a battery replacement. I uploaded all the required documents and received first email back on XXXX/XXXX/XXXX asking me to upload repair estimate. On XXXX/XXXX/XXXX, the representative, XXXX XXXX XXXX, called me to tell me my case was rejected with extremely rude attitude. She stated that warranty terms " This Warranty does not apply : ( a ) to consumable parts, such as batteries or protective coatings that are designed to diminish over time, unless failure has occurred due to a defect in materials or workmanship '' ( Please see the attachment - XXXX 1 year warranty ). Also, please see attachment XXXX -iPhone Battery & Power XXXX Official XXXX Support, " Our warranty covers a defective battery, but it does n't cover wear from normal use. If you 're covered under warranty or AppleCare+, we 'll replace your battery at no charge if it retains less than XXXX percent of its original capacity. '' Clearly, XXXX is not responsible for normal use battery, but is responsible for defective battery, which means less than 80 % capacity. Therefore, my case should be eligible for replacement under warranty at no charge. Also, Discover has its extended warranty can extend the original warranty one more year. which means Discover is responsible for this claim. However, XXXX XXXX XXXX insisted " the battery is not covered by warranty '' but she did n't notice the sentence " unless unless failure has occurred due to a defect in materials or workmanship. '' One more thing to mention, my iphone has been inspected and replaced a battery in XXXX of XXXX stores. According to their policy, they only changed " defective '' battery ( less than 80 % ), even if you want to pay by yourself. If your battery is good, they wo n't replace it. If your battery is defective, it 's free to get replaced under warranty and {$79.00} for out of warranty. 

I am writing this letter to see if I can get any positive feedback from Discover because XXXX XXXX XXXX was not willing to talk, explain, and listen to me. I felt extremely disrespected today. 

Thanks, XXXX
Product: Debt collection

Please remove all accounts listed my information was compromised in a Data Breach. This debt has not been validated.
Product: Credit reporting or other personal consumer reports

This evening, I discovered some incorrect accounts on my credit report, and I'm unsure of the reason. While checking my credit report as I normally do, I found unexpected discrepancies. I attempted to refresh my browser, thinking it might be a glitch, but the inaccurate accounts remained. Therefore, I request that the documents I've provided be carefully reviewed to ensure this issue is resolved permanently.
Product: Vehicle loan or lease

On the date XX/XX/2019, I did a consumer credit transaction with XXXX XXXX XXXX dealership and extended my credit with a finance charge through Mid Atlantic Finance. I'm the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which was included within my credit transaction should be the sum of all charges. Mind you the finance charge is a total of {$3500.00} exact but this dealership and Financial Institution gave me a total sale price of {$13000.00} ( see attachment for Exhibit A ). That is a total of {$10000.00} charged over the sum of all charges which is inaccurate and unfair credit card practice that utterly goes against this subchapter of the TILA ( Truth in Lending Act ). The finance charge section under my signed contract does not include my insurance coverage which should, which downright breaks federal law pursuant to 15 USC 1605 ( a ) ( 5 ) ( see attachment for Exhibit B ). Sadly this is fraud so this contract is now void.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I required a validation of debt from IC SYSTEMS COLLECTION. They sent a letter saying " we are able to identify the account record without further information. I call IC SYSTEMS COLLECTION gave them my name, they could not identify the account. 
Their clients knowing it was squatters on property after I move out. They are responsible for all the damage that was done. 
Information on my credit report is incorrect : Exquifax : Date of XXXX. Delinquent XX/XX/XXXX XXXX on XX/XX/XXXX is XXXX XXXX : Date open XX/XX/XXXX XXXX on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

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
Product: Money transfer, virtual currency, or money service

I had someone send me {$200.00} on venmo I got some of the money off but then out of nowhere the froze my account and no I can't even get my money. XXXX has been calling everyday and emailings. Account specialit was XXXX was expired ID and they won't. Let me get my money. Then more keeps throwing me around in a circle to the next person. Then back to other people, venmo is not right. I just want my money and close the account
Product: Debt or credit management

Been dealing with XXXX law since 2016 according to the lawsuit, I am eligible for a reimbursement for false advertisement
Product: Debt collection

Received non sense letters about alleged debts that I believe are not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is continuing to report a fraudulent account to my Experian credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information to both them and Experian along with my 605b FCRA request to block this fraudulent information from my report. ( XXXX   and XXXX  have complied already ). 

XXXX  XXXX is claiming they can not contact me which is a lie because they have all my information and also there should be no reason to contact me if they were in accordance with the FCRA.
Product: Mortgage

I am selling my home. Bank of America holds the note. When I requested a payoff there was a miscellaneous fee totaling {$1700.00} attached to my payoff. This fee was not a pending mortgage payment or any type of lien, past due bill, tax or outstanding cost associated with the property. It is a fee that they could not explain and the person on the phone even described as strange. When the call was made to Bank of America mortgage division they could not explain what this cost was or had any documents to support how it came about. I have a pending closing that will be hampered by this. They would not escalate the issue for a faster turn around and said it would be 10 days to respond with a letter which would be after closing. Bank of America is demanding the additional {$1700.00} which is not even part of my original deed and has nothing documented that it is valid cost associated with my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA 15 USC 1681 states that our consumer reports/ Credit reports are our reputation.

15 USC 1681b ( a ) In General Subject to subjection any consumer reporting agency may furnish a consumer report under the circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

My rights as a consumer are being violated repeatedly by this company.
Product: Credit reporting 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 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

This company has repeatedly harassed me at my job. I've asked them to stop calling me at work. They would call right back. A man threatened to show up at my home and place of employment. They've contacted my mother late at night threatening to put me in jail. They even some how found my uncles phone number who I haven't spoke to in years and threatened to put me in jail.
Product: Credit reporting

Between XXXX XXXX, became a victim of ID Theft. My purse was stolen in XXXX and in XXXX, I was informed by XXXX that they had a breach in security which compromised my personal information and that someone had purchased a mobile phone from XXXX and opened an account. In XXXX XXXX I requested my credit report and I found the following items that do not belong to me and should not be reporting against me. 
I informed Trans Union credit bureau of the accounts and the circumstances. I submitted a complaint to the FTC regarding the ID Theft ; submitted the FTC complaint to the creditors and the Credit Bureau in XXXX XXXX with a letter outlining my circumstances again. I made further contact with the bureau in XXXX XXXX and asked that the accounts be deleted. As per the consumer Act, it has past 30 days in fact, it has been over 120 days since I requested full validation and written documentation to show Contractual Agreement and where the accounts were opened in order to verify that these accounts are not mine. 
XXXX XXXX XXXX Credit Card Acct # XXXX {$850.00} XXXX XXXX XXXX XXXX Acct # XXXX {$1700.00} XXXX Acct # XXXX {$700.00}
Product: Debt collection

Upon reviewing my credit report, I have discovered that the last activity date on the aforementioned account has been continuously manipulated, presumably by your company, in an attempt to prolong its appearance on my credit report. This practice is not only highly unethical but also constitutes a clear violation of regulatory standards governing credit reporting. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ), the maximum period for which negative information, such as a charged-off account, can remain on a consumer 's credit report is seven years from the date of the first delinquency leading to the charge-off. Any attempt to artificially extend this timeframe through falsification of last activity dates is a direct violation of the FCRA.
Product: Credit reporting

Experian reported a wrong collection amount on my credit report from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX. They denied my disputes and refused to provide written explanation. I spend my valuable time and hard earn money to prove that they were wrong. Please see attached documents for detail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/2023 I have sent Experian several disputes at least XXXX regarding incorrect late payments on my accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have either received no answer, a stall letter, or a letter stating that the information on my credit report is accurate. Its clear that they dont want to do their job because on the last letter I sent out which was XX/XX/2023. They sent me a response via email on XX/XX/2023 with another stall letter, stating that they do not believe that I am the one repairing my credit. I am most definitely the only person working to correct the inaccuracies or my credit as I had told them many times before, Im tired of them not wanting to do whats right. I will include every dispute letter I have sent them with dates included so that you guys are able to see that I have been trying to do this without going over their head. The inaccuracies needs to be removed as soon as possible as well as them sending out a payment of {$1000.00} because of their unwillingness to do their job in a timely fashion.
Product: Mortgage

On XX/XX/XXXX I checked on my homeowners insurance policy because I am planning to refinance. I find out that my policy was not paid through escrow on XX/XX/XXXX as required. Chase collects escrows and is responsible for this payment. They paid it in XXXX, no changes to policy/carrier/etc, but they did not pay it in XXXX. I contacted Chase - they state that they received the cancellation notice from XXXX, but never received a renewal invoice. This is suspsicious and likely XXXX  - all would have gone to the same address, and of course they received the renewal invoice in XXXX and nothing has changed. Regardless, they should have been proactive on the payment as they are the ones collecting escrows and are obligated to keep my insurance active. Chase was incredibly obstinate and unhelpful, and is refusing to refund my escrows even though they are collecting money from me without paying the required payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts " XXXX, XXXX XXXX, and XXXX, '' has violated my rights. 

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
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 USC 1681. 


Account name XXXX XXXX OF XXXX XXXX Account XXXX Account name : Untitled Account XXXX Account name : FAMILY LA CO Account XXXX has violated my rights. Or list of inquiries 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 or other personal consumer reports

Experian is reporting information that is not correct. I never reside at XXXX XXXX XXXX XXXX AZ. I dont work for for XXXX XXXX please remove it from my credit profile. 
XXXX is reporting collections this account was closed by consumer. This account was never late it was paid on time. XXXX XXXX XXXX account XXXX is showing as been late. This account was never late it was paid on time. This account was closed by me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I Previously sent XXXX a copy of my government ID, Social Security Card, a copy of my police report ( XXXX ) and a copy of my identity theft report from the Federal Trade Commission ( XXXX ) despite sending XXXX these items they repeatedly send me a letter stating ( we recently received a request that includes your information but it didnt appear that you or a properly authorized third party sent it to us ) .All documents were mailed from my address on file and contained documents to confirm my identity. XXXX is violating my rights by not blocking unauthorized accounts and continuing to report fraudulent and unauthorized accounts on my credit report. Given that I have already provided the necessary documentation proving that these accounts are a result of identity theft, I am requesting an explanation as to why these fraudulent and unauthorized accounts have not yet been removed from my credit report. 
I kindly urge you to re-investigate my case promptly and ensure that all fraudulent information is removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, and XX/XX/2021, I made {$1000.00} and {$15.00} payments to my Visa credit card with XXXX XXXX XXXX. I checked my Credit score through XXXX XXXX, XXXX, Experian, and XXXX on XX/XX/2021, My XXXX score decreased by 11 points because XXXX XXXX XXXX refuses to update the correct information. I spoke with a representative, named XXXX from XXXXXXXX, and I was told that my score decreased by XXXX reported on XX/XX/2021, that I did not make payment and showed a high balance. I called XXXX and inquired why they did not report the correct amount on XX/XX/2021, and I was told that I had to wait until XX/XX/2021. I have applied to several employers in the month of XXXX and I believe this has caused me not to receive interviews for jobs. This is unfair and I believe it violates my rights. I would like to file a suit for compensation. Please help me with this situation, I need employment!!!