23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Experian. I asked Experian for a human review of the late credit card payments placed in my credit file from companies : XXXX XXXX XXXX ; and XXXX XXXX XXXX, to provide me with written proof of their compliance with Law 16 USC 1666B. I want XXXX ; and XXXX XXXX XXXX to remove the credit card late fees reported on closed accounts with XXXX balances. The late payment reports are with Experian XXXX and XXXX. This credit card accounts are closed. Additionally, the date of the late payments are not accurate. I mailed certified letters to Experian on XX/XX/2023. After 30 days I did NOT receive communications from Experian regarding my written request. On XX/XX/2023, I mailed second notices to Experian via certified mail. I requested Experian to show me written proof of their manual human investigation XXXX, and XXXX XXXX XXXX credit cards. On XX/XX/2023 Experian notified me via email. The email notification informed me that the results of my disputes are ready to view online. In order to review the results I had to log on to my Experian account online. Unfortunately, Experian did not complete a manual investigation. Experian did not respond to my written request within 30 days nor did they provide written proof of the investigation nor did they provide me with proof of the creditors compliance to Law 16 USC 1666B. I want XXXX XXXX XXXX to remove the late payment report they reported to my credit reports with Experian XXXX and XXXX.
Product: Vehicle loan or lease

I had a car loan through Wells Fargo. I had changed insurance companies XX/XX/XXXX and by XXXX of XXXX Wells Fargo was trying to repossess the car because they charged me for insurance, at XXXX $ +, that was already on the car through XXXX. During this time. I still had to submit a large sum of money to overcome this deficit that continued to accrue interest. By XXXX of XXXX I got out of the loan and a heightened payment and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
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
Product: Credit card

I was at my first day of work at a XXXX XXXX XXXX XXXXXXXXXXXX where at XXXX i got a phone call of a man who named himself XXXX XXXX made me believe he was my boss. He asked me to help by sending the shipment company of our utilities money because it was about to be canceled due to a payment information being put in wrong. As it was my first day at the front desk I did what i thought was helping when i come to find out after asking my manager that no one by the name XXXX XXXX works at the company. i immediately called my credit card company, XXXX XXXX, and asked them to dispute it but the person on the phone told me to wait until it was processed so it can be disputed. i did exactly that and now im getting repercussions for not canceling earlier when i tried to and i was told there was no way to. they put the amount of {$1000.00} back on my account on XXXX XXXX and I had to file another claim to try to get them to dispute it and look into it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked   XXXX   XXXX   and there is a hard inquiry from  XXXX  ( Retail, Not Elsewhere Classified ) on  XXXX   XXXX ,  2017 . I never authorized a credit check for anybody in the past   XXXX   years. it is showing up on my  XXXX  report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles dispute resolution process, particularly in light of the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit highlighting systemic shortcomings within the platform.

As a long-time user of Zelle, I have encountered discrepancies in transactions, which I promptly reported to my financial institution and Zelle. Unfortunately, my claims were not investigated adequately. I was informed that recovering lost funds was not possible and that tracking the transactions was unfeasible.

The findings from the CFPB indicate broader issues with Zelles policies and procedures, including insufficient consumer protections and the repeated exploitation of the platform by offenders. These failures have left users like me vulnerable to scams, with no recourse or support to recover funds. 

I urge Zelle to take immediate steps to address these issues by enhancing its security measures, ensuring thorough investigations of reported discrepancies, and implementing stronger safeguards to protect consumers from fraudulent activities. 

I would appreciate a response to this letter, as well as information about any efforts Zelle is making to improve its dispute resolution process and prevent further exploitation of its platform. 

Thank you for your attention to this matter. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Complaint Against Experian for Failing to Respond to Credit Disputes in a Timely Manner To Whom It May Concern, I am filing this formal complaint against Experian for failing to respond to my credit dispute within the timeframe required by the Fair Credit Reporting Act ( FCRA ). I previously submitted disputes regarding inaccurate information on my credit report, but Experian has failed to provide a proper investigation or response within 30 days, violating my rights under FCRA 611 ( a ) ( 1 ) ( A ). 

Details of My Dispute : Date of First Dispute : XX/XX/year> Method of Dispute : Through the Mail. 
Disputed Items : Inaccurate late payments on my accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX my repeated attempts to follow up, Experian has not provided a resolution or adequate response. Under the FCRA, Experian is legally required to : 1.Investigate and respond within 30 days ( or 45 days if additional information is provided ).

2.Delete any disputed information if they fail to verify its accuracy within the required timeframe.

3.Provide a written explanation of the results of their investigation.

Experians failure to comply has caused me financial harm, including denial of credit & increase interest rates. 

Requested Action from the CFPB : I am requesting the CFPB to take the following actions against Experian : 1.Compel Experian to immediately complete the investigation and provide a proper response.

2.Require Experian to remove all disputed items that they failed to verify within the legal timeframe.

3.Hold Experian accountable for violating the FCRA by imposing any necessary regulatory penalties. 

I have attached copies of my dispute letters, proof and any previous responses from Experian. Please review this matter and assist in ensuring Experian complies with federal law. 

I appreciate your prompt attention to this complaint and look forward to your response. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX To who it may concern ; i have several collection agencys named XXXX XXXX XXXX & MIDLAND FUNDING LLC. Please be advised that i am disputing these collections due to the fact that the collections agency ( XXXX XXXX XXXX & MIDLAND FUNDING LLC ) does not currently have a valid license in FLORIDA to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that XXXX XXXX XXXX & MIDLAND FUNDING LLC ) are licensed to collect in Florida. Your immediate response will be greatly appreciated.
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Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violation why does XXXX need the same report 5 times remove all but one XXXX did the same 2 inquires same day XXXX XXXX never applied ftc XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXXXXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019
Product: Mortgage

Several months ago my mortgage was bought by a company called Amerihome Mortgage, as soon as they started they sent me a letter saying I was short on my Escrow account, and raised my payment by about {$100.00} which made my new payment go from {$1300.00} to {$1400.00} this was XX/XX/XXXX. Which I complied by, back around XX/XX/XXXX, I submitted information to have my PMI to be removed, they sent me a email that said I had met the requirements and that on XXXX/XXXX/XXXX it would be taken off, I asked for my statement be sent to me showing my new payment would be, that 's the other issue I have asked that a monthly statement be sent to my home each month since they took over my loan, still no statements, than just this week I received a letter telling me that my new payment would be {$1300.00} starting in XX/XX/XXXX. And that my escrow account was short {$260.00}. I have paid the full amount of {$1400.00} right up to XX/XX/XXXX which would have {$340.00} over paid since XXXX/XXXX/XXXX. Which would make a total of {$79.00} over paid to cover the {$260.00} they say I owe on my escrow. I keep calling to resolve these XXXX issues but get nowhere?? They do n't return my calls, or email complaints leaving me to this point of filing a complaint and try to get help resolving my XXXX issues, and I guess also the escrow account seems to be messed up.
Product: Debt collection

there was delay in paying quartarly charge : {$100.00} The invoice was misplaced, that is how it was delayed. 
as soon as I see new remainder I paid the due amount on XX/XX/2018 XXXX XXXX. 
Now I got a Letter from so called A.R.M solutions Inc XXXX XXXX  XXXX XXXX, CA XXXX Ph : XXXX asking me to Pay the same amount again which I paid already on XX/XX/XXXX to Original Service Provider. I have evidence of my payment to original service provider and receipt of payment is attached here. 

I called the both XXXX XXXX XXXX and also ARM Solutions each one of them are saying Talk to other party, NONE is able to resolve the issue. 
Client Acct # XXXX Agency Acct # : XXXX Client Name : XXXX XXXX XXXX  this is CLIENT for XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15USC 1681 section 602 A. States I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Repeated prone calls ( XXXX ) from many different phone numbers.
Product: Credit reporting or other personal consumer reports

Dear Equifax Information Services LLC, I am writing in response to your recent correspondence requesting additional documentation for identity and address verification. I must emphasize that I have already provided the necessary information as per your guidelines. Despite this compliance, it seems there has been an unnecessary delay and runaround from your end in processing my request. 

Under the Fair Credit Reporting Act, particularly concerning adverse action laws, I understand my rights as a consumer. These laws stipulate your responsibility to ensure accuracy and expedite correction processes in credit reports. Given this legal framework, I urge Equifax to act promptly in rectifying any discrepancies in my credit file, without further unnecessary requests for information already provided. 

Your request for additional documents, which I have already submitted, suggests either a misplacement of my initial submission or a lapse in your internal processing. As a consumer, it is my right to expect efficient and responsible handling of my personal and sensitive information. 

To facilitate a swift resolution, I am prepared to resend the documents, but I expect immediate action upon their receipt. Please confirm the receipt of my initial submission and provide a clear timeline for the correction of my credit information. 

In case of further queries or if additional information is indeed needed, I am available for contact. However, I anticipate a more streamlined and responsible approach from Equifax henceforth. 

Thank you for your prompt attention to this matter. I look forward to a swift and satisfactory resolution. 

Sincerely,
Product: Debt collection

I discovered on XX/XX/XXXX that I had an outstanding debt in the amount of {$260.00} after it was reported to the credit unions. This debt was reported over two years after it had been sent to collections in XX/XX/XXXX. In that time, I received no written notice about the debt. I also received no phone calls about it. 

When I called the company to learn more about the debt, they stated that they would make a note that I refused to pay the bill because I insisted on seeing written proof of the debt before I paid for it. They stated on XX/XX/XXXX that they would send me written proof, which I have not received. 

I called to discuss the issue with a financial advisor, who advised that I pay the bill while not admitting that the debt was mine. He also advised me to ask for a letter of deletion to provide to the credit companies so the debt could be removed from my credit reports. I did as he advised when I called the collection company. They refused to provide me with a letter of deletion, stating that they would instead send me a letter stating that the debt was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have spent over 5 hours on the phone with Equifax trying to get signed up for their Trusted ID because the  verification link does not work ( we have tried for 8 days all hours ). When you call after over 50 minutes on hold twice they have hung up on us because they do not know what to do. Same phone hang up when trying to get a freeze put on the account at another number Equifax gave us for that " service ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA and Section 428F ( a ) ( 1 ) ( A ) of HEA of 1965 amended by HEOA of 2008 that requires the holder of the loan : must request any consumer reporting agency to which the guaranty agency or holder had reported the default of the loan to remove the record of default from the borrowers credit history. THIS CREDIT REPORTING AGENCY has violated my consumer rights pursuant to 15 U.S. Code 1692g - Validation of debts ;
Product: Mortgage

The loan to value on my mortgage is less than 75 % and LoanCare has refused to remove PMI. I called Loancare on XXXX to request removal of PMI. On XX/XX/19, I received a letter dated XX/XX/19 from Loancare stating the request was denied. I called Loancare on XX/XX/19 and it is clear that they are calculating the LTV incorrectly.
Product: Debt collection

This has shown up on my credit report from convergent outsourcing for an amount of XXXX or something close to that effecting my credit report and score for a debt I've never heard of
Product: Credit reporting or other personal consumer reports

I have tried to dispute with this creditor and the XXXX major credit bureau agency in XX/XX/2023, XX/XX/2023 after noticing a drop in my credit and closing out an account in XXXX. After closing the account with XXXX XXXX XXXX  Account XXXX XXXX in XXXX, I noticed a drop in my credit report in XXXX because my account was reported to be 30 days past due. I spoke to customer service and was told that I still had interest to pay after my account was closed. The interest that was reported was {$1.00}. I was not aware of these at the time of closing out the account. This account was closed in XXXX after a missed payment in XXXX. I closed the account because of the multiple fraud activities on my bank card, which resulted in changing my bank card XXXX different times between XXXX to XXXX of last year which resulted in a missed payment. I requested for a script that shows that I was late with the XXXX payment. I have contacted the company XXXX XXXX XXXX  Account XXXX XXXX directly to find out why I was considered late in XXXX when I closed the account in XXXX. I reached out to them to show the prove that the account was closed in XXXX and also show the balance that was reported in XXXX. XXXX XXXX XXXX  Account # XXXX never sent proof that I was late. I would like an investigation to be done regarding my case. The creditor has illegally rearranged my closing date to XXXX. Tran union, XXXX and XXXX are all not saying the same thing with my account They have failed to do an update on my account and do a proper investigation.
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent statements I have received from your agency regarding a debt allegedly owed to [ Creditor 's Name ]. I am disputing the validity of this debt and request that you cease all communication with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Firstly, I would like to bring to your attention the case of XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, in which it was determined that mere statements are not sufficient evidence of a debt. Therefore, I am requesting that you refrain from sending any further statements as they do not provide adequate validation of the alleged debt. 

Furthermore, I would like to clarify that a cease and desist letter not only prohibits further communication, but it also implies the removal of any mention of this debt from my consumer report. As defined by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a, communication includes the reporting of information to consumer reporting agencies. Therefore, I expect that upon receipt of this letter, any negative information related to this alleged debt will be promptly deleted from my consumer report. 

In the event that your agency fails to comply with my request and continues to harass and abuse me through improper communication, I want to make it clear that I am prepared to take legal action to protect my rights. Pursuant to the FDCPA, I may be entitled to actual damages, statutory damages, and attorney 's fees. Enclosed is an itemized list detailing the potential costs involved in pursuing litigation for harassment and abuse.

1. Actual Damages : - Cost of legal representation : $ ________ - Loss of productivity and time : $ ________ - Emotional distress and inconvenience : $ ________ 2. Statutory Damages : - Per violation of the FDCPA : {$1000.00} 3. Attorney 's Fees : - Cost of attorney 's services for litigation : $ ________ Please be advised that this letter is not an admission of any liability on my part regarding the alleged debt. However, I expect your agency to comply with all applicable laws and regulations, including the FDCPA and FCRA. 

I kindly request that you acknowledge receipt of this letter within 30 days and confirm in writing that all communication related to this alleged debt has ceased, and any negative information has been deleted from my consumer report. 

Failure to comply with this request may result in further legal action being pursued against your agency. I trust that we can resolve this matter amicably and avoid any unnecessary escalation. 

Thank you for your attention to this matter.