23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my Mortgage through quicken loans. I feel that their practices are predatory. I was first told I would have no problem getting cash out. Well, a couple months into the process I was told that would not be possible, but I decided to continue, as I was told I could reduce my monthly mortgage payment. So after adding {$8000.00} back to my mortgage for closing costs, and going back up to 30 years, there is no change in my mortgage payment. So I gained nothing but a lower credit rating. Quicken miss calculated my home insurance and did not pay it when they bought my mortgage. I called them XX/XX/XXXX, and was told it would be " researched '' but as of yet, no research, and now the rep tried to blame me, because they called me but my voicemail was full. So apparently they needed to speak with me before they could begin their research, because XXXX reps was n't enough, I had to speak to a third. In the meantime, my house insurance was cancelled. It has been re-instated, but Quicken does not seem to want to take responsibility for their mistake, and want to put it on me as the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint some weeks ago on inquiries with transunion they deleted the ones I didnt need deleted from my report but now all the inquiries on my report are the incorrect ones. XXXX ( XXXX XXXX XXXX XXXX  ), XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Excessive credit inquires were made, but no credit was given and as a result this has negatively impacted my credit report, credit score and daily life.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of a XXXX XXXX XXXX XXXX account on my credit report. This letter serves as a follow-up to the complaint I submitted to the CFPB on XX/XX/XXXX, regarding the inaccuracies in the reporting of this account.As of XX/XX/XXXX, your company hasn't responded through the CFPB portal without any explanation. While you stated that you contacted the data furnisher and conducted a re-investigation, I believe that Experian failed to properly investigate my dispute in a lawful and timely manner, in violation of the Fair Credit Reporting Act ( FCRA ). Issues with Experians Handling of My Dispute : Failure to Conduct a Proper Re-Investigation : Experians dispute intake procedures are faulty, as they fail to convey all relevant consumer-submitted documentation to the original furnisher. Uncritical Deference to Furnisher Responses : Your response indicates that you rely heavily on the data furnisher 's response, even when such responses are improbable, illogical, or lack adequate verification. Failure to Utilize Consumer-Provided Evidence : Experian ignored documentation I provided to substantiate my claim that the account is being inaccurately reported. Violation of Timely Investigation Requirements : Per FCRA Section 611 ( 15 U.S.C. 1681i ), the reinvestigation period must be completed within 30 days ( or 45 days if additional information is provided during the investigation ). Experian unlawfully extended this period and failed to complete a timely, thorough review. Request for XXXX : To rectify this matter, I am requesting that Experian : Provide a detailed summary of the specific steps taken during your reinvestigation process, including how consumer-submitted evidence was reviewed and shared with the data furnisher. Supply the verification documentation received from XXXX XXXX XXXX  ACCOUNT that substantiates the reporting of the disputed account. Immediately remove the disputed XXXX XXXX account from my credit report if verification can not be properly documented. Confirm compliance with FCRA and document how you intend to improve your reinvestigation processes to prevent further violations of consumer rights. I expect Experian to comply with its obligations under federal law by conducting a comprehensive reinvestigation of this matter and ensuring that the information reported on my credit file is accurate and verifiable. Failure to address these concerns may result in further action, including filing additional complaints with the FTC and consulting legal counsel to protect my rights. Please respond to this dispute in writing within XXXX days of receipt of this letter
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Experian for their failure to maintain accurate personal information on my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

I have discovered that my Experian credit report contains XXXX different spellings of my name : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX The correct spelling of my name is XXXX XXXX XXXX, as verified by my drivers license, social security card, and birth certificate, copies of which I have submitted to Experian. Despite my efforts to dispute the inaccuracies and provide sufficient proof of the correct spelling, Experian has failed to correct or delete the incorrect information. 

According to the FCRA, Experian is required to : XXXX. Ensure maximum possible accuracy of the information on my credit report ( Section 607, 15 U.S. Code 1681e ). 
XXXX. Disclose accurate and verifiable information to consumers ( Section 609, 15 U.S. Code 1681g ). 
XXXX. Conduct a reasonable investigation upon receiving a dispute and correct or delete any inaccurate, incomplete, or unverifiable information ( Section 611, 15 U.S. Code 1681i ). 

Experians failure to correct the inaccuracies after receiving my dispute and documentation demonstrates non-compliance with these FCRA sections. This inaccuracy in my credit report could potentially have adverse effects on my creditworthiness and financial opportunities. 

I request that the CFPB investigate this matter and ensure that Experian corrects the inaccuracies in my personal information. Attached are copies of my drivers license, social security card and a letter from EXPERIAN XX/XX/2024 stating they updated my name request in which Ive also added another screen shot showing as of XX/XX/2024 they did not update this, so this is false information as well. 
Thank you for your attention to this matter. 

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

I am writing to dispute inaccurate information on my credit report as provided by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 Section 6 ( o ) ( 2 ), I assert my rights under 15 USC 1681 ( Section 604 ( a ) ( 2 ) ) ( also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 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. 

I have reviewed my credit report, and I have identified inaccuracies regarding late payments reported by XXXXXXXX XXXX. The late payments reported are XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a consumer, I have the right to ensure that the information reported on my credit report is accurate and up-to-date. Under 15 USC 1681 Section 6 ( o ) ( 2 ), I am entitled to privacy regarding the information contained in my credit report, and any inaccuracies can have significant consequences on my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  Account # 12345, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

online information ser account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this account.
Product: Credit card or prepaid card

Netspend sent me an unsolicited prepaid XXXX. The document and card are misleading. I thought this was related to an irs scam as this is tax season and a common problem. Ultimately this looks like an elaborate and purposefully misleading ad. But that doesn't change the fact I spent hours trying to understand what is going on and that I needed to call to cancel the card I never asked for. This is ethically wrong if not illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXXXXXX XXXX Balance {$570.00}.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by thelawtodoso. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively impacting my FICO score, and I am requesting its removal to ensure my credit profile accurately reflects my financial responsibility. Payment history accounts for approximately XXXX XXXX  of my FICO score, making it the most significant factor in credit scoring. A single late payment can cause a substantial drop in my score, especially if I previously had a strong payment record. 

This inaccurate late payment is unfairly lowering my creditworthiness and affecting my ability to secure financial opportunities, such as obtaining a loan or favorable interest rates. Additionally, lenders and financial institutions rely on FICO scores to assess risk, and this incorrect remark could result in higher borrowing costs or even denials of credit applications. 

I am formally disputing this error under the Fair Credit Reporting Act ( FCRA ), which grants me the right to challenge inaccurate or unverifiable information on my credit report. If the late payment can not be verified or is incorrect, it must be removed. Furthermore, I am requesting a goodwill adjustment from the creditor, as I have a history of responsible financial management, and this late payment does not accurately represent my reliability.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice i had fraudulent account on my report please remove this account from my report they are hurting my ability to obtain credit thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft LENDING CLUB Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine.
Product: Debt collection

I have just pulled my credit report and showed me that I have a collection on my credit report. Company name XXXX XXXX acc number XXXX. I have never received any communication or notification from this company or did any agreement with this company. I do request a proof of this debt and my signature on this agreement. I ask you to prove
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

Specific details of the repossession in question listed in document attached 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2.What certified documents were reviewed to conclude your investigation?

3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4.What did it cost your company to obtain the documents needed to complete your investigation?

5.Please provide proof of your timely procurement of certified documents.

6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

7.If yes to above : a.Who did you speak to?

b.On what date?

c.How long was the conversation?

d.What was their position?

e.What telephone number did you call?

f. What is the name of the employee of your company that spoke directly to the above party?

g.What is the position of the employee of your company that spoke directly to the above party?

h.How long has that employee been employed by your company?

i.What formal training was provided to this employee to investigate items of this kind?

j.Was there any email or written communication between members of your company and the above party?

8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease
Product: Checking or savings account

We have XXXX XXXX XXXX. On XX/XX/XXXX we requested they setup a XXXX XXXX account to deposit the funds into. On XX/XX/XXXX they sent us 2 small deposits and on XX/XX/XXXX we verified said deposits. On XX/XX/XXXX i called in and verbally verified that our XXXX XXXX account was setup as the deposit account. On XX/XX/XXXX I processed a credit card through XXXX and on XX/XX/XXXX Chase sent me an email saying the money was transferred to my bank account on file. After not receiving said funds in my bank account after 7 days I contacted Chase to find out that they had sent the money to a closed chase account. When we asked how is this possible, they said oh, it can happen. Well, the fact that the money was coming from Chase, and was sent to Chase and Chase didnt even recognize that the account was closed is disturbing all in itself. After playing phone games and being bounced from rep to rep to rep for XXXX hours we get a rep that says oh your bank account was not verified and that is why it reverted back to the XXXX closed account. When i asked how did it revert to a closed account and 2 why didnt Chase notify itself that the account was closed an not accessible? But instead Chase sets by for a week to have to be notified by us that the account they deposited our funds into was a closed account and we need our money. They tell us we have to do the verification process again and it may take up to another week to get this done. This is nothing but a game and is really beginning to be a pain even having to deal with Chase after we spent over 10 hours on hold and calls today dealing with Chase.
Product: Money transfer, virtual currency, or money service

I pay my mom bills for her meds and I have to send her XXXX each week and the cash is never there or it never gos thru
Product: Credit reporting, credit repair services, or other personal consumer reports

I have private and student federal loans with navient. During XX/XX/2019, I was advised that I needed to make a payment because the payments they recieved wasn't going to the accounted with the due dates. I was not provided clear instructions on which accounts to pay and as to how much. 

In XX/XX/2019, I spoke with a lady who verbally advised that if I scheduled an payment my account would not report late as I would have met the deadline before the reporting to the three major credit bureaus. A few months ago, I called back and spoke to another lady and asked that an investigation be completed because I was provided incorrect information. 

As a result, the second time I called was advised that a manger would listen to the phone records to hear what her staff advised and assist with getting the late payment removed as I was following her direction. To present, nobody has called and when I call I get the run-around. 

I have tried to handle this on my own and if someone replays the phone record ( as all calls are monitored ) will clearly hear the lady advising that if I schedule a payment, my account would not report as late.
Product: Checking or savings account

I recently called Bank of America regarding 2 charges I did not authorize to a company called XXXX XXXX and was told this is a company XXXX uses and is charging ME when I pay a XXXX XXXX. I did NOT authorize these deductions and believe this to be illegall. Bank of America has told me they can not help me or do anything about this. And yet a third party company that a payee ( XXXX ) has hired is allowed to withdraw money from my bank account without my authorization.. I am not a customer of XXXX. this is wrong and illegal. Please help me with this.
Product: Credit reporting or other personal consumer reports

I am writing to you with an escalating sense of frustration and urgency regarding the unresolved fraudulent accounts that continue to plague my credit report. Despite previous disputes and my unwavering efforts to provide substantial evidence of the fraudulence of these accounts, I am appalled to see that they persist. This situation not only tarnishes my creditworthiness but also places an unjust burden on my financial stability. 
Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that the process of investigating disputes may involve thorough scrutiny, but it is critical to emphasize that these accounts are the direct result of identity theft. As such, I bear no responsibility for the debts incurred under my name. I have submitted disputes, complete with comprehensive supporting documentation, identity theft affidavit, and all correspondence with the fraudulent creditors. Copies of my identification for verification have also been provided. 
The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies act fairly and promptly in response to disputes. The continued presence of these fraudulent accounts on my credit report is unacceptable, causing not only financial distress but also violating my rights as a consumer. I demand that you take immediate and aggressive action to investigate and delete these fraudulent accounts from my credit report.
Product: Vehicle loan or lease

I continue to be harassed with phone calls from Ally financial with regards to my auto loan ending in XXXX. 
I already told a rep a few weeks ago I would be making a payment of {$550.00} for the end of the month I am roughly one month behind, But I am buried with their late fees for another {$500.00}. I often pay more than the {$510.00} they ask, but they do not apply the extra towards late fees like they used to. 
They call from a number that comes up as unknown and do not identify themselves properly. 
They are calling from the XXXX, and are asking for Sensitive identity info. 
I have asked them to stop badgering me, as I have already made a promise to pay, but they continue to call and press for funds before the date I said I could pay!! 
I have had a death in my family and needed money for funeral Expenses. Im trying hard to catch up. These calls are harassment and frustrating. 
Pls do something about this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
Product: Debt collection

In XXXX of XXXX I activated two phone lines with XXXX XXXX. In XXXX of XXXX I activated a third line. In XXXX of XXXX I disconnected that third line, but XXXX  continued to fraudulently charge my account for this line until XXXX of XXXX. In XXXX of XXXX, I disconnected the remaining two lines, but XXXX continued to fraudulently charge my account for these lines in XXXX of XXXX. My account was set up with auto pay so I didn't notice that I was still being charged for lines I had disconnected. In XXXX of XXXX, the card I had on my account expired, and XXXX couldn't continue to fraudulently charge me for services they were no longer providing. I was called repeatedly for months by XXXX  trying to collect a " debt '' of {$190.00}. I didn't respond, because to my knowledge, I had disconnected all of the lines and had paid all of my bills on time. When I finally realized what they had been doing, I called them and they offered to drop the amount owed if I paid immediately. I refused, as they had been stealing from me for months. They also told me that XXXX continuing to charge my card without my permission wasn't fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/17 disputes sent through all credit bureaus regarding closed accounts still reporting on credit report after discharged bankruptcy. XXXX  responded saying the account information is correct. All closed accounts should be removed as they are no longer my responsibility to pay.
Product: Checking or savings account

Unfairly charged fees. Ive had my wells  Fargo account since 2009 . It wont let me see the charges anymore. Will I get compensated?