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 response within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs 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. 

This are the account that I've marked as inaccurate : XXXXCLOSED XXXX  ( Revolving ) Accounts - negative accounts - closed - Summary XXXX XXXX, Charge-off XXXX XXXX, Charged off as bad debt Experian XXXX, Unpaid balance reported as a loss by credit grantor Balance {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX ( Revolving ) Accounts - closed - Summary XXXX XXXX XXXX XXXX Pays account as agreed XXXX XXXX, XXXX Paid or paying as agreed Experian XXXX, XXXX Account paid satisfactorily Balance {$0.00} {$0.00} XXXX XXXX Agency Name XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - summary XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX Collection account Experian XXXX XXXX, XXXX Account Number XXXX Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Current Balance {$550.00} {$550.00} {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - summary Account Number XXXX Agency Name XXXX XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX XXXX Unpaid Comments Consumer disputes this account information XXXX XXXX XXXX XXXX Experian Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Account Information Disputed By Consumer {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - summary Account Number XXXXXXXX XXXX Original Lender XXXX Unpaid Consumer disputes this account information, Medical XXXX - Experian Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Account Information Disputed By Consumer {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - summary XXXX XXXX, XXXX XXXX Unpaid Consumer disputes this account information, Medical XXXX - Experian Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Account Information Disputed By Consumer Account NumbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}
Product: Mortgage

I got pre approved for a {$130000.00} loan through Holland Mortgage. XXXX XXXX told me about a first time home buyers down payment assistance program through XXXX XXXX and XXXX XXXX. I find a property, put in an offer, and it's excepted. I pay the {$99.00} fee for participating which XXXX neglected to mention in the original conversation about the program. I take the required 8 hour course, counseling and 2 1/2 hour zoom meeting and jump through ever other hoop they asked. Before the inspection was even scheduled or had taken place Holland Mortgage taken {$610.00} from my account for the appraisal ( done by someone associated with there company ) causing me to get a {$30.00} bank fee because I always plan ahead for large withdrawals from my account. We get 15 days to closing and I'm told that the property doesn't qualify because of the way its listed with the county as a dual residency as apposed to a XXXX XXXX bath that the agent has it listed on zillow or trulia. No one made mention of this throughout the process and the information was available to them from the beginning and had he not been derelict in his duties and unknowledgeable about the program he introduced me to I would have never spent the money on the inspection, appraisal or the {$1000.00} for Hand money as I would have known the property wouldn't qualify. I would have negotiated differtly with the seller as far as the {$3000.00} in seller assist that should have gone toward some of the repairs that were cited in the inspection and not closing cost. My hands were tied as I had signed the agreement. They then tried to pressure me into using {$9000.00} of my retirement money while only giving {$1000.00} in lender credit while raising the interest rate. I think they should have to refund me the fees due to there negligence or flat-out lies setting me up for failure as they lined the pockets of those companies and programs they are associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a monumental problem with XXXX and my credit reporting agency. When XXXX and Equifax agencies report to XXXX, they are sending in reports that indicate that my FICO score is under XXXX. I have never had a FICO score of XXXX or less. I do not understand why I am having so many problems with the credit agencies and XXXX. 

The credit bureau tells me that it's not their fault and XXXX XXXX tells me it's not their fault in the meantime no one is willing to assist me. 

XXXX tells me that you are consistently sending the same information to them, indicating that my credit score is deficient and high risk. WHY? I get conflicting information whenever I speak to a representative at XXXX  & Equifax. 

I am disputing the information they are forwarding to XXXX. I dont know how to correct the mistake Of the credit bureaus as well as XXXX records. A XXXX credit specialist advised me to contact the Credit Bureaus and have you send them the updated information. I have been disputing this information since XXXX of 2020 and still have no resolution to the problem. 

I am a XXXX XXXX and being unjustly punished. I keep getting the run around from the credit bureaus and XXXX XXXX.
Product: Debt collection

I cancelled my TV subscription with XXXX XXXX because I moved to different area and the new places policy was not to bring that kind of services. I contacted them that I want to cancel the service in XX/XX/2022 I forgot the actual date thats when then said I have to pay {$400.00} to do that because I upgraded to a different services and their policy stated that if I was to cancel within 2 years I will pay. I was not told about that and when I go back on the forms, I didnt sign, someone put XXXX as my signature. I refused to pay and they took money out of my bank account. I disputed it and recently I received an email from a company called Convergent Outsourcing that I owe XXXX XXXX {$990.00}.
Product: Debt collection

COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX To Whom It May Concern : Re : XXXX XXXX XXXX : XXXX I would like to bring to your attention an invoice that I received from XXXX XXXX the amount of : XXXX. I called XXXX during the week of XXXX XXXX, XXXX informing them that I am moving to a new apartment on XXXX XXXX, XXXX. I told the Customer Service Representative ( CSR ) that I would like to transfer my XXXX service to my new address but was informed that XXXX at this time does not provide service to my current location. The address where I had service with XXXX was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX. I informed the rep that I will be moving into my new apartment on XXXX XXXX, XXXX XXXX Please find additional evidence ). And therefore, would like to have my service disconnected. The CSR informed me that XXXX is planning on having services at my apartment building and if I disconnect the service I would have to pay the reinstatement fee all over again. I told the CSR that XXXX does not appear to have a definite date as to when it will be providing service at my apartment building ( To date XXXX is not providing service ). Hence, I requested for them to end my service on XXXX XXXX, XXXX. I called the CSR again to get my final bill, the XXXX subtracted the XXXX and gave me the remaining balance of what I need to pay which I paid via the automated system. 
Some weeks ago I started receiving calls from the XXXX collection Department informing me that I have an outstanding bill of XXXX, I told the CSR that I just paid the final bill, the CSR informed me that the credit for XXXX that the CSR submitted was rejected by XXXX because my services was not disconnected until XXXX XXXX, XXXX even when I was calling in weeks before, they have telephone calls, and messages where I spoke with a CSR and evidence showing that I had no service at the time, XXXX choose to ignore all evidence and bill me instead. Yesterday, I received a call from a XXXX XXXX, XXXX has sent the bill to Southwest Credit System, ref # XXXX. 





I am therefore, reaching out to the Consumer Financial Protection Bureau for assistance. 

Best, XXXX XXXX
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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed and unfamiliar account was opened in my name contacted my bank and opened a fraud investigation with the unfamiliar account
Product: Credit reporting, credit repair services, or other personal consumer reports

CONSUMER FINANCIAL PROTECTION BUREAU Experian HAS CONTINUED TO CLOSE MY DISPUTE AS EITHER DUPLICATE OR WITH THE FOLLOWING RESPONSE TO MY COMPLAINT " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. '' I HAVE BEEN SENDING AND UPLOADING LETTERS, AFFIDAVITS AND POLICE REPORTS to the EXPERIAN dispute portal as indicated in their response ABOVE since XX/XX/2020 up until today XX/XX/2020. I have notified Experian of a FRAUDULENT MORTGAGE COLLECTION IN MY NAME. 1 ) I HAVE PROVIDED THE FTC AFFIDAVIT. 2 ) I HAVE PROVIDED TWO SEPARATE POLICE REPORTS. 3 ) I HAVE SUBMITTED 5 REQUESTS IN WRITING TO BLOCK SPS/SELECT PORTFOLIO SERVICING FROM MY CREDIT FILE PER EXPERIAN 'S DETAIL GUIDELINES DUE TO FRAUD. 4 ) I HAVE SUBMITTED 14 LETTERS OF DISPUTE TO EXPERIAN FOR XXXX XXXX XXXX. 5 ) I HAVE SUBMITED 14 LETTERS REQUESTING THAT MY PERSONAL STATEMENT " I AM THE VICTIM OF FRAUD. SPS/SELECT PORTFOLIO SERVICING IS NOT MY ACCOUNT AND I HAVE FILED A POLICE REPORT OF FRAUD FOR XXXX XXXX XXXX ''
Product: Prepaid card

My XXXX leave began, and I was approved for benefits through the state of california. I was told to contact Bank Of America EDD card holder services, to inquire about the card I was to be recieving benefits on. When I began contact with BOA, I provided all of my natural born and true information, and was told I could not be verified and I needed to head into my local branch to provide forms of identification in order to gain access to my account. When gaining access to my account I was informed all the information was changed to information that did not belong to me, benefits were being recieved and spent on my behalf. I went through the process of filing a claim, it was filed in 2 different parts one for XXXX dollars and one for XXXX  After initially denying both claims, they approved the XXXX dollar claim but have yet to approve the XXXX claim. I have filed several grievences, complaints, and spent hours on the phone being reasssured that the claim would be properly investigated only to call the next day to find out they denied it without any further investigation. I have provided my ID as well as a copy of an Identity Theft Report in regards to these claims as well.I am being refused any compensation from the bank, when there is substantial evidence supporting my claim.
Product: Mortgage

I have been attempting to obtain a loan modification on a mortgage at 6.8 % with XXXX XXXX XXXX for several years. I submitted complete applications by mail to XXXX on several occasions and attended a workshop held by the bank at the XXXX XXXX XXXX XXXX. With the representative assisting me, another completed application was made and all supporting detail was given directly to the bank representative. Over the course of this time, I was assigned several primary contacts with the bank, all of whom were extreme difficult to reach and did not return messages. Ultimately, I was informed directly by the bank that I had failed to submit all documents on a timely basis and therefore a modification could not be rendered. A few days after my last conversation with the XXXX, no resolution in hand, I received notification that my loan had been transferred to Green Tree Servicing. That was two years ago. Until XXXX 2015, Greentree has been oblivious to Harp or Hamp regulations and has consistently referred me to their refinance department where I was told they could not help me because they are not licensed to write loans in New York state. In XX/XX/XXXX I was given the name of my new primary contact at Greentree to whom I sent all required detail via Registered return receipt mail. I was then notified that I had failed to return necessary detail and therefor consideration for a modification was terminated. 
I have verified on the XXXX web site that the loan is one of there 's and eligible for modification. The house is in a nice suburban residential neighborhood. It is in good condition but attempts to sell at or below its appraised value have been unsuccessful due to the substantial number of foreclosures currently available at distress pricing. I 'm left in the untenable position of paying extraordinary interest on a property that can not be sold at sufficient enough price to satisfy the loan principle closeout let alone closing costs.
Product: Checking or savings account

On XX/XX/XXXXXXXX  I attempted to open an " XXXX XXXX '' personal checking account. I submitted my application online and was informed the following : " We're sorry but we're unable to open your Bank of America account ( s ) online. 
However we can help you open your account at a local financial center '' I went to the finance center at XXXX XXXX XXXX, XXXX, TX XXXX and spoke with XXXX to attempt to open my account. XXXX informed me there was a " risk disclosure '' on my account and he would be unable to open the account. He also was unable to provide any additional information and suggested I call XXXX. I called this number and was unable to reach an agent that could help provide more information on why I had a " risk disclosure '' associated with my account. 

I had a very similar experience on XX/XX/XXXX. I opened a checking account online on XX/XX/XXXX and funded the account with a transfer from another checking account. On XX/XX/XXXX I received notice my opening account deposit was unable to be processed and my account would be closed. 

I want to be able to reach someone at bank of america that can provide actual information on why there is a " risk disclosure '' on my account and why both times I have tried to open a checking account, it has not been possible.
Product: Debt collection

this account doesn't belongs to me but somehow these company have continuously sending me debt letter.
Product: Checking or savings account

My account was hacked, I could see where money was moved around, insuffient funds were reversed, and items that was paid was reversed. The Chase Bank said that I owed them {$3000.00} plus dollars, I went to the bank two times, they told me on both times that I owed the money, I asked if I could make monthly payments, they told me no, I had my pay check and my social security checks going to the bank, Chase took both my checks, I had to borrow money from a friend to pay my rent so that I would not be homeless. I changed banks after XXXX XXXX, 2017, Chase said I still owe them {$130.00}. I am XXXX years old, it is really said when people can work with a computer and move your money around, very scary.
Product: Debt collection

I called to settle a debt that I tried to settle directly with the rental office. When I moved out, I wasnt given a statement of accounting so I was not aware I owed this debt until the collection agency started to reach out. I went ahead and paid the debt today and asked for a receipt of payment because honestly, I could have been paying anybody. Usually when you pay someone, you get a receipt. The person I spoke with, XXXX XXXX, started yelling at the top of his voice and when I asked to speak with a supervisor because of his tone, he told me no. I ask to repeatedly ask then he finally transferred me. I spoke with a supervisor requesting the same thing and they kept saying they would send a letter, which is not what I requested. I specifically asked for something showing what I paid and who I paid it to. They kept refusing. So I let them know I would be filing a complaint. Anywhere you go and make a payment, you should receive a receipt of that payment.
Product: Bank account or service

I sent my XXXX XXXX homeowners ' association payment to the designated XXXX XXXX that was represented to be that of Union Bank. My check was cashed by someone, though Union Bank and my property management company, XXXX, claim they did not receive it. My property management company then sent me a statement trying to charge me late fees for a payment that I had made. In addition, after complaining about Union Bank 's mismanagement of my XXXX XXXX payment, it then mishandled my XXXX XXXX payment that I sent to the same XXXX XXXX by not cashing it, running the risk that I would be charged a late fee due to no fault of my own. Originally, XXXX identified XXXX XXXX as the Union Bank representative assigned to this matter. XXXX was silent from XXXX XXXX to XXXX XXXX as I asked her about how Union Bank 's processes could have allowed XXXX my payments to be mishandled and to find out information about the status of my XXXX payment. I am fearful that XXXX was intentionally refusing to provide me information about my XXXX payment in retaliation to my complaints about Union Bank in order to trigger the imposition of a late fee on me. 

Then, on XXXX XXXX, XXXX, XXXX XXXX from Union Bank 's Office of the President was assigned to this matter. XXXX said he was troubled by XXXX non responsiveness, expressed that he did not believe Union Bank had exhibited itself in the manner that it seeks to hold itself out as a Bank, and he pledged he would address my concerns. He did no such thing in the days that followed. He refused to provide me with the name of the security company that transports checks from the XXXX XXXX to Union Bank 's facility that may have been responsible for stealing my check, claiming that the information was " proprietary, '' although Union Bank has contradictorily claimed through XXXX that it has no control over the security company. He told me that only a " general research '' investigation was done to determine whether someone at Union Bank or its unnamed security company may have taken my check and cashed it. And it took Union Bank nearly 2 weeks to fill out its portion of a fraud statement ( which required only a signature ) so that I could submit to my Bank in order to facilitate my Bank 's investigation of this. 

I am deeply concerned with Union Bank 's processes that have resulted in XXXX of my payments to be mishandled in different ways. I am also deeply concerned with Union Bank 's apparent lack of concern that a federal offense may have occurred on its watch, and its attempts at trying to evade accountability by passing off responsibility for handling the checks to a security company, and then refusing to provide the identity of that security company. Union Bank 's conduct and attitude in this matter makes me fearful that Union Bank will allow its flawed processes to continue uncorrected, which will allow more federal offenses to happen under its watch.
Product: Vehicle loan or lease

I purchased a vehicle from US Auto sales and did not know that they were going bankrupt. Before they went bankrupt we set another agreement about my payment for my vehicle which was supposed to be once a month. But now that they have went bankrupt, I am paying money to a debt collection agency by the name of West lake portfolio management and they are trying to go outside of my contract. Trying to make me pay my card note more than what the contract was that I signed with US Auto. They are trying to tell me that my car is up for repossession and they are saying that I owe {$800.00} which is way more money than I owe and I have been trying to get this figured out with them for quite some time now. But as I stated before they refuse to communicate with me. I contacted legal services which is where I got the information to contact this company because they said they also have had multiple people come to them with the same issue and they have had their lawyers contact them and they have not responded to them as well.
Product: Debt collection

I rec 'd a XXXX cancellation of debt from Capital One Bank. the form states date of event as XX/XX/XXXX. this is incorrect as the account was charged off XX/XX/XXXX. this XX/XX/XXXX date is also on my credit report. How is it the Credit card company can state the date as XX/XX/XXXX when it was charged off 5 years ago. shouldn't they have sent the XXXX at that time? Also on my XX/XX/XXXX IRS taxes this account was included on form XXXX discharge of indebtedness. I don't believe I should have to report this account with Capital one bank twice to the IRS.