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 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, Experians 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 ( report No. XXXX 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 or other personal consumer reports

On XX/XX/year>, I disputed inaccurate information regarding my XXXX  account ( # XXXX ). Despite this, XXXX continues to report inconsistent and incorrect information to TransUnion, Experian, and Equifax, violating the FCRA ( 15 U.S.C. 1681s-2 ).

Inaccuracies include conflicting balances ( {$0.00} vs. {$260.00} ), dates of last activity, closed dates, and payment history.

I request CFPB intervention to require immediate deletion from there systems and all three of the credit reporting agency Experian, Equifax, and Transunion and a written explanation from XXXX once this is removed.
Product: Debt collection

I pulled a copy of my credit report at the end of XX/XX/2018. On my XXXX credit report was an account listed from Creditor Advocates that they purchased or were attempting to collect for XXXX XXXX XXXX. As I was not aware of any outstanding medical bills I did not believe that it was actually mine. I proceeded to send Creditor Advocates a letter, sent certified mail, requesting more information so I could look into the matter to see if I was correct and it was an error. As per the FDCPA I requested that they validate the debt within 30 days of their receipt of my letter. They updated the account on my credit report to " disputed '' but failed to send me anything to show the debt was mine and therefore denying my right to make sure the information is correct.
Product: Payday loan, title loan, personal loan, or advance loan

I've been a victim of identity theft and these people have pull multiple loans against my dba. I found this information through my life lock and factortrust. I have multiple police reports here in the county XXXX  XXXX  police department and XXXX police department. They were stealing mail as well my birthday is not the one for these loans I've found it is multiple companies. And they have made forges copies of my drivers license and social security cards opening bank accounts etc. XXXX XXXX XXXX XXXX  and XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

Back in XXXX of 2019 ( I believe ) I went to the XXXX XXXX hospital for XXXX XXXX Was in the ER for a few hours, they ran tests and found I had XXXX XXXX. At the time they had no rooms available, and they wanted to transfer me to a neighboring hospital via ambulance. My husband told them ambulance wasn't necessary and that he 'd drive me. Hospital insisted they needed to drive me. I told them I couldn't afford extra charges. 
Ambulance took me to XXXX XXXX XXXX XXXX ( it took less than 5 minutes via ambulance ). I was transferred to another ER at XXXX XXXX XXXX, they had no rooms available either, so I told hospital I was going home. 
It was ridiculous that they transferred me via ambulance from one hospital to another only to end up at another ER. I was worried about all the extra charges for ambulance, so I had them discharge me right away. The said bill is the result of the ambulance driving me Literally across the street for no more than 5 minutes! I told them I was going to be driven, and they told me no. I disputed this with them years back and thought it was settled. 
IT is NOT right that something like this goes into your credit report and brings down your score. Please help me remove it. Wakefield and Associates for {$900.00}
Product: Money transfer, virtual currency, or money service

Paypal account can't no longer use. Dated XX/XX/2020. With a balance amounting XXXX.
Product: Mortgage

This is a complaint filed by PHH Mortgage about the escrow and cancellation. They don't have a standard procedure and keep asking us to contact them again and again. 

The first issue was the mortgage company holding overpaid money without refunding us, even now. 

Back on XX/XX/2023, we received the property tax bill from the town office. At the time, as new homeowners, we weren't sure if we needed to pay the tax by ourselves or if PHH would pay because of the escrow, so we paid the tax to the town and later realized PHH paid as well. We contacted PHH on XX/XX/XXXX about the issue and asked them to return our money, and on XX/XX/XXXX, we contacted them again by email, but nobody responded. On XX/XX/XXXX, we called them, and they needed 5 days of investigation. They still haven't refunded us the amount of XXXX USD. 

The second issue was about canceling the escrow. 
On XX/XX/2023, we requested to cancel the escrow. 
On XX/XX/2023, they confirmed the request was received, will be completed in XXXX business days, and will send the results to us. 
On XX/XX/XXXX, we did not hear anything so called again. The agent mentioned that on XX/XX/XXXX, the mail was sent out, but the request was denied. The agent asked us to contact the escrow department directly, and the agent we contacted was unable to tell us the reason. 
On XX/XX/XXXX, the same day, we sent an email to the escrow team and also called, no response either. 
On XX/XX/XXXX, we called again and were told to contact again in XXXX to request again. They don't know when they will submit the tax in XXXX, so they didn't accept the cancellation and asked us to call again in XXXX. 
We feel they keep postponing/ not facing our request directly so they could use our money, and we request immediate escrow cancellation.
Product: Mortgage

I do n't know why that every month when i send in my mortgage check its always a problem with them cashing the check NationStar Mortgage I keep having to put a stop payment on my checks for last 3 Months because they said that they have not receive it out of all of my other checks that i have sent out are cash but Nationstar its always a problem and i would like to know why please.
Product: Checking or savings account

First tech federal credit Union refused to return funds to me exceeding {$800.00} even when the merchant initially responsible for the charge was not taking steps to contest my dispute. I dont understand why a credit union would act this way, and until resolved XXXX XXXX am not able to trust first tech with my finances. They XXXX XXXX {$800.00} from me!
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

After reviewing my recent credit report, I noticed several accounts that appear to have been added without my authorization. I kindly request their immediate removal and blocking from my report.
Product: Credit card

I signed up for the Bank of America XXXX XXXX card with a signup bonus or XXXX points after {$12000.00} spend. I chatted with a bank representative named XXXX on XXXX XXXX who confirmed with me that I was {$500.00} shy of spending {$12000.00}. I proceeded to complete the spend immediately. BofA claims I did n't hit the spend. XXXX mislead me by giving me inaccurate information. I deserve this bonus as I did exactly what I was told by BofA representatives.
Product: Mortgage

XXXX XXXX, I am disputing the issue of my {$35000.00} as per the below federal disclosure laws. 

On XXXX XXXX, 2010, the President signed the Dodd-Frank Wall Street Reform and Consumer Protection Act ( the " Dodd-Frank Act '' ), enacting numerous provisions intended to reform the mortgage lending industry with an eye towards consumer protection. Many of these provisions are contained within Title XIV of the Dodd-Frank Act, the Mortgage Reform and Anti-Predatory Lending Act ( the " Mortgage Act '' or the " Act '' ) Subtitle E ( Mortgage Services ) of the Act reforms mortgage servicing practices addressed in TILA and the Real Estate Settlement Procedures Act ( 12 U.S.C. 2601 et seq., " RESPA '' ). The Act requires creditors in connection with a consumer credit transaction secured by a first lien on the consumer 's principal dwelling to establish an escrow or impound account in a federally insured depository institution for mandatory payments of taxes and insurances premiums. By regulation, the Board may exempt certain creditors from the requirement to establish an escrow or impound account. Such escrow accounts shall remain in existence for a minimum period of five ( 5 ) years. If the consumer waives the maintenance of such account in writing, the mortgage lender is required to provide a written disclosure advising on the consumer 's responsibilities and implications in the absence of any such account. The Act amends RESPA by adding new servicer prohibitions and increasing the penalty amounts for violation. A new TILA provision requires the servicer of a consumer credit transaction secured by the consumer 's principal dwelling to promptly credit payments to the consumer 's loan account, and to send accurate payoff balance information upon written request by the consumer. 

XXXX XXXX used the same pitch when he told me why I was to bring {$35000.00} to a clsoing in order to receive a loan that is used for converting home equity into liquidity, thus Home Equity Conversion Mortgage. I did n't apply for a mortgage refinance or a commercial loan, I applied for a Traditional Reverse Mortgage. Where 's my {$35000.00} that was escrowed?
Product: Money transfer, virtual currency, or money service

I wanted to buy concert tickets from a user on XXXX who sent me a screen recording going from our conversation to the concert tickets in question, then back to our conversation again, so I believed this person to be credible. The user wanted the payment to go out to XXXX XXXX and the XXXX handle was XXXX XXXX  They requested {$500.00} for each ticket ( XXXX tickets ) and I sent {$500.00} to them through XXXX XXXX as they had asked ) and then my father sent the remaining amount through XXXX as well. The user told me that they were going to send me the tickets in XXXX hours. XXXX hours later they did not send the tickets and did not respond when I contacted them regarding the tickets.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>2024

, a significant discrepancy was identified in the credit report provided by Experian, one of the major credit bureaus. The report contained outdated and inaccurate information, which has since negatively impacted the individual 's creditworthiness and financial opportunities. Despite multiple attempts to rectify the issue, Experian has refused to update the report, leaving the individual in a precarious financial position. The individual has submitted all necessary documentation and followed the proper dispute resolution procedures as outlined by the Fair Credit Reporting Act ( FCRA ). However, Experian has consistently failed to acknowledge the errors or make the required corrections. This refusal to update the report has led to prolonged financial distress, including denied loan applications and higher interest rates, which could have been avoided with an accurate credit assessment. The situation raises serious concerns about Experian 's adherence to legal obligations and its commitment to providing accurate and up-to-date credit information. The individual is now considering further legal action to compel Experian to correct the report and is urging others to vigilantly monitor their credit reports for similar inaccuracies. This case underscores the importance of holding credit bureaus accountable for maintaining the integrity of the credit reporting system.
Product: Debt or credit management

I sent a repsa letter to the PHHXXXX XXXX in XXXX of XXXX and there was no response from the company. This company has constantly added fees showing I owe over XXXX in ESCROW but will not explain why, also now I on my mortgage statement they are showing I owe over XXXX on my house. How is this even possible when I paid only $ XXXX for my house back in XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is a request to block the items on my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to block any items not later than 4 business days after I sent them certified letters on XX/XX/XXXX, but no response until this day XX/XX/XXXX. Ive already included this report in my previous complaint # XXXX XXXX, XXXX, and XXXX & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX Balance : {$700.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; ( Original Creditor : XXXX  ) XXXX Balance : {$610.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$18000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX A ) XXXX Balance : {$250.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$610.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 usc 1681 section 602 A 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! 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports and noticed an erroneous account that need to be immediately DELETED. 

MONEYLION has violated my consumer rights clearly outlined in 15 USC 1681. 
As a federally protected consumer, I am well aware of my rights and more specifically my RIGHT TO PRIVACY within 15 USC 1681A ( 4 ). 

Account in question : MONEYLION- XXXX Re : Form 1099-C Cancellation of Debt I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit report attributed to your agency. Upon reviewing my credit report, I discovered a charge-off entry which, according to the IRS, constitutes debt that has been discharged and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status. 

As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form 1099-C related to this debt, to be sent to the address provided above or via email at your earliest convenience. 

It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not 100 % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. Your company is also setting itself up for a civil liability suit under 15 USC 1681n for negligible non-compliance with a possible {$1000.00} expense for each violation as well as a suit under 15 USC 1681o for negligible non-compliance with even higher resolutions. 

Moreover, I have been directed by the IRS to file Form 3949A for illegal tax violations against your company in order to address this matter. I trust that neither you nor your Executive VP would desire to engage in legal proceedings over such blatant transgressions. 

I hereby demand that you take immediate action to notify the credit bureaus to DELETE this erroneous information from my credit report without further delay. 

Failure to comply with this demand will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.
Product: Debt or credit management

On XX/XX/year>, I received my fourth denial from Equifax regarding blocking Adverse Information related to the Debt XXXX  Repair Act. According to the letter the documentation I provided was insufficient. This was the reason for the refusal three times. I am in close contact with all sources of submitted documentation, and Equifax has not reached out to them. Also, the entities who provided me with that documentation have denied being contacted. Furthermore, according to The Debt XXXX Repair Act, a company has FOUR business days to 'temporarily ' block information requested, and 25 days to investigate. The company has not yet blocked any information and has not provided me with a way to clarify anything confusing or missing. 
On XX/XX/year>, I contacted Consumer Affairs with Equifax and spoke with " XXXX '' a representative. This representative stated that my documentation was not valid as deemed by the Debt XXXX Repair Act. However, The Repair Act explicitly explains when a consumer agency may deny my claim. 1. The inability to confirm Identity. 2. Inability to correctly identify the disputed information 3. The ABSENCE of a Victim Determination. 
Once I mentioned these items to XXXX, he became defensive and cited that their policy states, " Consumer affairs must validate the determination and that certain details must be included. '' However, he would not state the details. He also refused to connect me to a supervisor. I asked for a copy of the policy, and he replied, " I can not provide you with that policy. '' XXXX also mentioned that he is the highest tier I can speak with, and then he proceeded to talk over me as I inquired about my options. He refused to give me appeal information and disconnected the call without attempting to resolve my issue. 
Under the Debt XXXX  Repair Act, I am eligible for certain protections, and as such, I request that my dispute be resolved and acknowledged appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

This collection agency has listed this on my credit profile without proper validation. I do n't have a contract signed with this agency or the original creditor. This collection agency has failed to send proper papers via mail notifying me this before listing on my credit. I have contacted this company and a csr stated it will be removed and sent back to original creditor. This has not happen yet. I will exercise all my rights since this is hurting my credit extremely and proper measure has n't been taking with the company.
Product: Credit card or prepaid card

A charge to my account appeared in XX/XX/2022 and prior to that the last time I used this XXXX XXXX card from Barclays was XX/XX/2022. I also have not used the card after that fact, and Ive only used the card at XXXX XXXX. I disputed the charge in XXXX and it was refunded to me and then investigated it on their end. Then they charged me back, saying that it was not considered fraud without providing me with any proof or documentation or letter of explanation, just another credit card statement with the charge. I explained to them that the same dollar amount on the same date was also charged to my debit card as fraud with a different company name, and that the bank found it to be fraud and refunded me, they want proof that I did not make the purchase which clearly I dont have because I did not make the purchase. I am not quite sure how I can come up with documentation to prove that I did not in fact make a purchase that theyre saying that I did just because the company was able to come up with my mailing address and other information that clearly if they hit my debit card and my credit card that they have, I have received no product from that company or the company that was the name listed on my debit card and my bank refunded me but this credit card continues to hassle me for a fraudulent charge and Ive XXXX them XXXX times to get it resolved. This is how these people committing fraud get away with this and and keep their money. Ive asked to speak to a XXXX and nobody has contacted me. XXXX told XXXX business days. You cant speak to a supervisor or any XXXX. This is still a charge on my account. It is the only charge on this card and I dont want this to ruin my credit. Barclays is the worst credit card company to deal with and I would never recommend anyone get a card from them. They cant even email the department that researches the fraud, per my last call to them. Now they want me to write a letter to another department. What is their infrastructure? This is absurd and a terrible business model. Poor customer service and with this charge I cant even get them to close my account!