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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

I wrote them in writing in XXXX XXXX XXXX They responded in XX/XX/year> that the letters were not sent by me which is a lie. They also stated that they investigated but never responded with the requested information. Experian later deleted my dispute letter from online so I can no longer see the reason for the denial. I have tried several times to be looped into the same thing with their attempts to stall and not properly investigate. 


The amounts were for XXXX in the amounts of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
There was also a charge for XXXX from XXXX XXXX XXXX and a host of inquiries. 

I will also attach copies of them removing the denial letters from my online portal so that I no longer have access to them.
Product: Debt collection

This company used my social to look at my credit report. I did not give them permission, nor did I ever inquire with their services. I believe they are doing fraud.
Product: Debt collection

Creditor Debt : XXXX XXXXXXXX XXXX Current XXXX Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Reference : XXXX Debt Amount : {$12000.00} Reason : The XXXX XXXX XXXX XXXX was repossessed in XX/XX/XXXX and vehicle was sold at auction leaving me with the remaining balance of interests in debt! I was not able to pay the prior months of this vehicle prior to the repossession because of the a job lay-off I endured during that time. I can not afford to pay this debt anymore and it is now listed on my credit report preventing me from financing or leasing a new vehicle in XXXX!
Product: Mortgage

For the coming year the interest rate went down and principal and interest decreased. I am not understanding why the escrow amount the company wants to charge me more than doubled. Can you look into this? It feels a bit like extortion.
Product: Debt collection

They call my phone at least 5 times a day. I am aware of my debt and have asked them not to call me anymore as I've already told them I would call at the end of the month to arrange things. I've now asked them 3 times to not contact me and that I will. on or around XX/XX/19 XX/XX/19 and now XX/XX/19. It's obnoxious at this point ... they call when I'm at work and they continue to try to talk to me when I'm calling to tell them to stop. I'm fed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of last year, I was provided with a copy of my credit reports from my bank XXXX after applying for a loan for my business. The loan officer informed me that my rate was a little higher than expected because there were collections reporting on my credit report. I advised her that this was an error because I take great care of ensuring that all of my bills are paid as soon as I receive my statements and every bill is always paid early. She advised me to contact the credit bureaus, Equifax, XXXX, and XXXX to dispute the accuracy of what they were reporting and I did that in XXXX and XX/XX/XXXX. After I notified them of their mistake in reporting items on my file that were not mine, they removed those items from my credit report. I recently applied for a loan again for my business from XXXX and it appears that they are reporting collection items on my credit file that does not belong to me again. I am tired of these credit bureaus reporting inaccurate collection items on my file. I want these items removed from my credit report because it is costing me in having a much higher interest rate than I should have.
Product: Debt collection

Federal tax refund was reduced From Credit acceptance of the amount of {$4200.00} of my total {$9700.00}. I had reached out to credit Acceptance on XX/XX/year> & XX/XX/year> was told by XXXX that my account was closed and no balance from Credit Acceptance, Therefore, aware of the Refund offset. I have enclosed a copy of the Title of Closed Account and Federal Transcript for view. I would like to be refunded the whole amount that was offset by this company & Compensation for the financial hardship it has caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, and XXXX ) credit report, and I notice some late payments posted on my report : XXXX XXXX XXXX  acct # XXXX XXXXXXXX  acct # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did i give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Debt collection

I received a letter from Harris & Harris , Ltd. On XX/XX/22. I called phone number on the letter XXXX they were attempting to ask for my personal information that I did not give but they have my address and name. When I called them and I gave them the Reference number which they said was another person at first, they asked me to repeated the Reference number and it came out my last name. 

The bill shows medical treatment in a hospital from a city and state I have never been in my life and a {$3200.00} balance. 

They said they will send the report to the hospital for them to investigate. 

I asked them for a confirmation number, they said they do not not provide XXXX. 

Phone number on the letter is different from what it shows on the company website. 

I have never received any bill from this hospital in the past and I never been in that state/city.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumbeXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

My identity was stolen several years ago. Police report completed and sent to all Credit Reporting agencies to freeze my credit inquiries. The three have done so. 

When I need to lift a credit freeze TEMPORARILY, I could do this on line at my convenience. Unfortunately Experian requires my call to them to lift the freeze. 

The challenge is that I can not get through their telephone prompts and automated answers to get to a customer service representative to do so. The prompts leave me in a closed loop with no way to get to a person. 

Please help. This is hurting me and my financial activity
Product: Payday loan, title loan, or personal loan

I have had a loan with Best Egg for 14 months. Every month I have paid interest between $ XXXX. Suddenly, this month, they are demanding to apply approx. {$XXXX} toward interest and {$XXXX} ( more or less ) toward the balance. When I ask for an explanation or reconsideration I get nothing. I have paid off thousands toward the balance of this loan. My interest should be going down, not up. This company should be held responsible for stealing from their customers.
Product: Mortgage

Received update escrow analysis that notified us our escrow had a major shortage, over {$1900.00}. First rep I called week of XX/XX/XXXX said that Flagstar Bank had only been collecting XXXX cents a month for our flood insurance. {$1.00} for the whole year in the escrow account. This makes no sense as we have always had flood insurance on the property. Now, we are in a situation where we are surprised by the huge jump in monthly mortgage payments. The only communication I received about {$1.00} flood insurance was on the XXXX  escrow analysis. However, it was in small print and not easily identifiable. 

I spoke to a rep in the insurance area, XXXX, as that is who the first rep recommended I talk to about the lack of communication. I spoke to XXXX and he could not see the escrow information so I ended up talking to XXXX in Escrow. 

I believe the lack of communication about a major underfunding in escrow is unacceptable. Flagstar bank refuses to take responsibility for their mistake of only collecting XXXX cents a month for the entire year for flood insurance. I do not believe we should have to pay this bill because it is in the past. It is not our fault they did not collect properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I appreciate your assistance in removing part of the fraudulent information from my credit file, but there are still unresolved items that should be removed. Under FCRA Section 605, you are required to remove any inaccurate records. I have already provided this documentation in a previous letter, and I am including it again. My attorney is fully aware of the situation and is ready to hold you accountable for your ongoing non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Ability Recovery Services LLC at XXXX box XXXX XXXX, PA XXXX has been sending me collection notices in the amount of {$3800.00}. The collection has been reported as a past due balance. I am not aware of this company and I have never done business with this company. This company does not have a contract with my signature. When I requested validation of this debt, they provided me with an erroneous document that showed a balance owed of {$3100.00} which is completely different from the balance they are stating is past due ( {$3800.00} ).
Product: Bank account or service

USAA Bank closed my checking account due to attempted access by an unauthorized company. I disputed it and eventually had to have CFPB to resolve it. USAA closed the account but did not open another account for me due to the attempted fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX? XXXX XXXX XXXX, and XXXX XXXX XXXX continually put things back on my credit that I have been disputing and they are over 7 yrs. I went through a nasty divorce and so much is not my responsibility but I have had to ride out the 7 yrs. I will never use XXXX XXXX again. There is obviously a theme. 

I cant afford credit reporting so I can see all bureaus but these are on both XXXX and XXXX. Im guessing these have been reported to Experian too.
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom it ma concern ; I have mailed multiple letters to all the CRAs onXX/XX/XXXX by certified mail in regard to the accuracy of the bankruptcy on my credit report. They received the letter right away on XX/XX/XXXX and replied after 2 days that it has been verified and that its mine through XXXX XXXX. I called XXXX XXXX to confirm if the CRAs indeed verified it and they said no one called them and even XXXX  XXXX ca n't verify all my information since they do n't have enough datas, not even in my public record that matches on their system. I am a wife of a United States XXXX and literally left our lives behind in service for this country and I ca n't believe this is how they treat us. We are about to end our military service and planning on building my credit to purchase a house for my family and this report is hurting my credit score. under the new law effective XX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in or for it to appear on my credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Debt collection

I am disputing this debt because I do not owe it. I have never lived at the address you reported to XXXX and Because I am disputing this debt, you should not report it to the credit reporting agencies. 
Collection reporting on my credit file by SOUTHWEST RECOVERY SER for the amount of {$570.00}
Product: Debt collection

I have sent Certified letter for ( 1 ) verification of debt, ( 2 ) Documents showing the authority to collect the debt ( 3 ) The contract betweeen the XXXX ( original debtor ) and Portfolio Recovery systems to collect the debt but I have just receved another demand letter without giving all the required documents within the stipulated period ; I feel hence this entry must be removed by the Portfolio Recovery Also the XXXX Credit buraeus also have published the information. Irequest you to take necessary legal action with in the applicable Federal legal frame work
Product: Money transfer, virtual currency, or money service

I was scammed out of XXXX cash app did not help they let XXXX steal my money and didn't help resolve all money reporting needs to be refunded to my account immediately I'm filing complaint against CASH APP Block incorporation due to inadequate customer service and unfair practices leaving my account vulnerable and and fraud on my account they did not comply or help me get funds returned EFTA ACT thrse action cause me a loss and want to seek for legal for these violations
Product: Mortgage

I started the mortgage process with Wells Fargo requesting a {$260000.00} mortgage with a 3 % downpayment, received the approval and commitment letter. 

Over time various documents were requested and I submitted them to their document management system, the documents submitted were then later claimed by Wells Fargo as never received. One such document I sent over was the Sales Contract and Addenda. With all of those documents in place and respective commitments fulfilled on my end, Wells Fargo decided they needed MORE documents before they could provide a closing disclosure. They decided more documents were needed the week of closing ( two days before closing as a matter of fact ). The document in question was in regards to an HOA insurance policy document, which not specified anywhere on the commitment requirements, and it suddenly became a requirement two days before closing. 

So now the sales contract is in jeopardy and I am likely going to lose out on this sale and {$1500.00} ( earnest money ) + the over {$1000.00} spent on inspections, appraisals, and other fees associated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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: Mortgage

The mortgage company is not paying my tax bills from my escrow account, despite me faxing them into Ditech Financial. When I called today 4 separate times, I am given mis-information, bad information, no information and or hung up on. I am trying to re-send the tax bills, yet they will cooperate and tell me how to get the tax bills there. I can not tollerate this abuse any further. This is one of the worst companies I have had to deal with, bar none.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to : 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 an account without my written instructions. 

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 XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thank You
Product: Credit reporting

Please be advised I had a VOLUNTARY judgement with XXXX in GA Phone number XXXX! Part of the agreement was XXXX agreed not to place the Judgement on my credit report! Months later after it was inserted I called the XXXX County Courthouse where the Judgement was filed and the County Clerk advised me that they do not give the credit bureau any information! Apparently, they went seeking the Judgment not knowing the agreement XXXX and I had! I in turn called XXXX and they did acknowledge that they agreed to not report me! I immediately wrote all three bureaus and advised them to call XXXX at XXXX to verify the agreement! Apparently, Experian did their due diligence and called and verified and removed the Judgement but has recently re-inserted the judgment. I do not know who Experian they verified it with because if it was XXXX they would have advised them it was not to report per our agreement! Please see the tradeline below! 
SMALL CLAIMS JUDGMENT Filing Date XXXX XXXX, 2014 Amount {$3600.00} Reference Number XXXX Court XXXX co magist crt Plaintiff XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial fraud alert has been expired for XXXX  days now and I can not renew it using my online account, despite it being shown as expired. My only available option online is a XXXX fraud alert or a military fraud alert ... but not an initial fraud alert. Also, earlier, 2 days before the initial fraud alert expired, I called Equifax and asked the customer support person to renew the alert. He ( difficult foreign accent ) said it would be done and provided a confirmation number. But when I look online, it is not done. Equifax should upgrade their web site and hire personnel who will do their job. Something that should take me XXXX minutes takes hours of investigation stuck in idiotic automated phone systems. Equifax is the worst of the big XXXX credit bureaus.
Product: Credit card or prepaid card

I had XXXX charges made on my account back to back XXXX charging me XXXX dollars and the secound XXXX dollars i disputed this with Chime and they refunded me my money while doing their investigation and then took it back with no reasoning. i recently called them again to see what happened and still they have not contacted me
Product: Vehicle loan or lease

On XX/XX/year> the bank gm financial said I owed them XXXX $ balance after my insurance XXXX XXXX paid them a balance of XXXX $ and they said I still owed them XXXX $ so they charged my mom bank card and reported bad review saying I didnt pay them off I would like a refund on the XXXX $ they charged me out of pocket from my mother XXXX XXXX credit card and I would like to file a dispute on they extra charging please
Product: Credit card

DEAR GOLDMAN SACHS I SPOKE TO YOUR MANAGERS AND FRAUD TEAM VARIOUS TIMES FOR HOURS IVE NEVER HAD A CARD AND IM WILLING TO PROVIDE DOCUMENTATION THAT ITS NOT ME. THE ACCOUNT NAME IS SAME AS MINE BUT THE SUPERVISOR SAID THE DATE OF BIRTH AND SOCIAL DO NOT MATCH AND YOU GUYS KEEP REPORTING THIS FALSE ACCOUNT AND SEND ME COLLECTION LETTER WHEN I NEVER HAD AN ACCOUNT CLAIMING I OWE YOU XXXX XXXX DOLLARS PLEASE LOOK BETTER AND TAKE MY INFO OFF AND STOP TRYING TO HARRASE ME I WILL ATTACH MY ID SO YOU SEE MY DATE OF BIRTH DOES NOT MATCH
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX # XXXX XXXX XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 u.s.c 1681 section 602 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.