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

I am writing to file a complaint against Experian Credit Bureau for failing to properly investigate my disputes as required by the Fair Credit Reporting Act ( FCRA ). Instead of conducting a thorough investigation, Experian has been using their automated e-OSCAR system to verify information, which has not been reviewed by an actual human being or sent to the actual company I am challenging. This practice is in violation of the FCRA. Additionally, I have tried using their online dispute method, but they keep verifying everything quickly, which indicates that they have not properly investigated these disputes. I request that Experian be held responsible for their failure to comply with these regulations. The following entries are inaccurate and unverifiable and must be removed immediately : XXXX. Creditor Name : XXXX XXXX XXXX Original creditor : XXXX, Account Number : [ XXXX ] XXXX. Creditor Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX, Account Number : [ XXXX ] XXXX. Creditor Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX, Account Number : [ XXXX ] XXXX. Creditor Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX, Account Number : [ XXXX ] XXXX. Creditor Name : XXXX, XXXX, Account Number : [ XXXX ] XXXX. Creditor Name : XXXX XXXX, Account Number ( XXXX ) : [ XXXX ], [ XXXX ], [ XXXX ], [ XXXX ], [ XXXX ], [ XXXX ], [ XXXX ]. 

XXXX. Creditor Name : XXXX XXXX XXXX, Account Number : [ XXXX ] XXXX. Creditor Name : XXXX XXXX XXXX, Account Number : [ XXXX ] XXXX. XXXX XXXX : XXXX, Account Number : [ XXXX ] XXXX. Creditor Name : XXXX XXXX XXXX, Account Number : [ XXXX ] XXXX. Creditor Name : XXXX XXXX XXXX, Account Number : [ XXXX ] XXXX. Creditor Name : XXXX, Account Number : [ XXXX ] XXXX. Creditor Name : XXXX, Account Number : [ XXXX ] XXXX. Creditor Name ; XXXX  XXXX, Accoint Number : [ XXXX ] Unauthorized Inquiries : XXXX. XXXX XXXX/Inquiry date XX/XX/year> XXXX. XXXX XXXX XXXX XXXX/Inquiry date XX/XX/year> XXXX. XXXX XXXXInquiry date XX/XX/year> XXXX. XXXX XXXX XXXX/Inquiry date XX/XX/year> XXXX XXXX XXXX/Inquiry date XX/XX/year> Please provide the method of verification used for each item, including the contact information of the original creditor and any documentation provided to verify these debts. If you can not verify the accuracy of these items within 30 days, I request their immediate removal from my credit report. I've also included my report number for the online disputes I am referencing to you : Experian Report Number : XXXX
Product: Money transfer, virtual currency, or money service

Binance.us ( BAM Trading Services Inc. ) has been withholding {$140000.00} from me for the past 3 weeks pending " Identity Verification ''. On XX/XX/XXXX my ability to buy, sell, trade, and withdrawal was suspended without notice. I haven't been contacted nor was I informed what information they need from me to get this resolved. I took the proactive approach and submitted a support ticket XXXX # XXXX XXXX on XX/XX/XXXX with a copy of my drivers license XXXX front and back ), bank statement, and utility bill all attached hoping this would speed up the process thinking this would be sufficient in verifying my identity and proof of address. I reached out to their customer support via XXXX that same day and supposedly had my ticket escalated, but that apparently means nothing since I still haven't gotten a response going on 17 days now. I really don't know what else to do and feel like I'm getting scammed. This whole situation has caused me a huge amount of XXXX and XXXX. Anything you could do to help me out would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$4400.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX XXXX Owed : {$0.00} US DEPT ED XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX Balance XXXX XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$5600.00} XXXX  XX/XX/year>
Product: Mortgage

I purchased my home through Chase mortgage in XX/XX/2017 as a first time homebuyer. On XX/XX/17, an escrow payment of {$320.00} was applied directly to the escrow account. Going forward, the original agreement, signed in good faith, indicated of the {$1000.00} monthly payment, {$140.00} would go towards the escrow account to cover insurance and property taxes. I set up an auto pay for {$1100.00} so {$88.00} additional principal would also be applied. These amounts were paid and applied appropriately until the payment on XX/XX/2017 where the escrow payment applied was dropped to {$64.00} ( down from the {$140.00} ) to continue paying the insurance but not the property taxes without my knowledge or consent. I was confused and unsure as to why this happened but, being a first-time homebuyer, assumed that because the previous home owner had a homestead exemption that granted him complete exemption from property taxes, the taxes may have been re-assessed and with already almost {$1000.00} in the escrow account the monthly amount withdrawn could now be reduced. Believing the bank would apply funds as necessary, I did not change my automatic payment - I continued the autopay that was set up to pay the monthly mortgage amount dictated by the bank plus the {$88.00} additional principal. 

Recently, I noticed a message on my online Chase mortgage account that indicating my monthly payment would be changed once again but this time from {$970.00} to {$1800.00}! It appears that because the bank failed to continue applying escrow towards the property taxes, they are now unfairly demanding that I double up on tax payments this year to clear last year 's property taxes and put money into escrow for this year 's property taxes. Of the {$1800.00} payment, it appears they are applying {$510.00} towards " escrow shortage '' ( short due to the bank 's error )  and {$390.00} towards property taxes. As you can imagine, nearly doubling the monthly payment on a mortgage would no doubt create a severe financial hardship on a single mother. I feel the bank was misleading and deceptive in their erroneous practice of changing the monthly payment without my consent and then expecting me to pay twice the amount in property to make up for their mistake.
Product: Debt collection

On XX/XX/2022, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. in my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ; XXXX # 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Equifax violation FCRA 611 ( a ) ( 5 ) ( B ) The legal restriction against the reinsertion or previously deleted information are covered by FCRA 611 ( a ) ( 5 ) ( B ) the law state that I must be notify within 5 business days of reinsertion of deleted information into my consumer file. there were no CRA notification provide before reinsertion as to the law. the same item reported twice on my consumer file two different date same item by XXXX I ask that the information be remove from my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX  on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my XXXX or Experian and/or XXXX consumer report ( s ) : * High Balance * Date of Last Activity * Date Reported * Date Opened * Closed Date * Account Rating * Last Payment However, this inaccurate information is still being verified and reported by XXXXXXXX XXXX  each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request all three XXXX XXXX accounts listed below be removed immediately from my credit report with Experian, XXXX and XXXX. XXXX is in direct violation of my rights under FCRA. 

XXXX  account numbers : * XXXX * XXXX * XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times concerning Bankruptcy information on my consumer report and inquiries that i did not give written permission to be performed. They have violated me according to 15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681q. Obtaining information under false pretenses.
Product: Credit card or prepaid card

I was charged VAT for a rental car in XXXX. I am an American citizen. Tourists are exempt from VAT.
Product: Credit reporting or other personal consumer reports

Good Morning to all parties involved, According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with [ XXXX XXXX XXXX  associated with XXXX for the month of XX/XX/2023, XX/XX/2023 & XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023 ] be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Credit reporting or other personal consumer reports

LexisNexis Is reporting information from a auto accident that I didnt file a claim on my own insurance policy the accident happened during my course of employment for my employer so it should be placed on his clue report my clue report which should be free of any accident on it because in one of the accidents I was a injured party that my injury was caused by the fault of another driver and a double parked large van I didnt at the the time of the accident give my personal auto insurance information but the information of my employer policy so it should definitely be place upon his report
Product: Mortgage

The agent from Chase purposedly providing falsified information, misleading the customer and engaging in unethical business behavior. Per our phone conversation on XX/XX/2021, the agent informed me the interest rate and XXXX are the same or 2.0 %. This is very rare and I double checked with him. He confirmed more than once over the phone that the XXXX is 2.0 %. The Closing Disclosure shows the XXXX is 2.192 %
Product: Debt collection

Over 4 years ago I booked airline tickets online with XXXX. Around {$2400.00}. A few days later I received a call from my local banker asking if I had booked a second set of tickets because the same amount was just taken out of my account again and overdrafted my account. I told her no and that someone accessed my account without my consent or knowledge. On the bank statement it shows as XXXX XXXX NY, I believe. I have never dealt with XXXX anyone!! We filed a fraud claim. In the meantime, XXXX XXXX " lent '' me the missing money until the investigation was over. The rep, last name XXXX, notified me within a week that there was nothing they could do. I told them I was not satisfied with this outcome as they are suppose to represent and protect their clients. They demand I am the one to do the leg work and call other companies to demanded satisfaction. I have been treated poorly over the years and emails have never been answered. I have received no response to my numerous emails and am constantly shuffled between departments and hung up on. I have demanded a resolution to this situation that THEY have failed to take care of. Instead of doing their job, they have just waved it off and demand I pay back money stolen from me! So I've had money stolen from me and then they want me to pay back the money that was mine to begin with. So I'm being doubley victimized. 

Please Help!!!!
Product: Credit card

My credit card bill {$47.00} was due on XX/XX/XXXX. I scheduled to pay in full through my XXXX XXXX app which automatically pushed it to XX/XX/XXXX since XX/XX/XXXX is on a Sunday.A payment of {$47.00} went through on XX/XX/XXXX. Today, XX/XX/XXXX, I received a bill of {$62.00} constituting two {$30.00} late fees and {$2.00} interest charge. I never received the XXXX credit late fee bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I was contacted by XXXX to defer my payments due to the impact of Hurricane Irma. I was allowed to defer up to 90 days with no issues. Everything reported fine XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX I paid in full all 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX  in XX/XX/XXXX reported me as late for 30 days. I've contacted XXXX and they said that I never replied to the email so I wasn't in the program. The letter states that : 1. We have noted that you are in the area impacted by the storm. 
2. We will not assess late fees for the next 90 days. 
3. To contact IF I have any questions This does not state to contact to enroll in any program, also if I was not in any program then I should be 90 days late and XXXX would've contacted me about my late status. None of this happened. I've contacted XXXX and they said they would not help me and the reporting agencies only go back to XXXX and use them as the source of truth.
Product: Debt collection

My husband has been in and out of the XXXX  and we were in the process of having XXXX assist us with the debt and getting out of our timeshare when we must have been sent to collections by mistake or something. We requested the debt be returned. Meridian isn't seeing a cent from us.
Product: Consumer Loan

Seeking assistance from Wells Fargo dealer services to defer my late payment/outstanding balance to the end of the loan to help bring my account to current status. When I call for assistance they are extremely rude and unhelpful, I also sent an email last week and have not heard back. They continue to call our friends and family and our cell phones constantly harassing us with no alternatives. Please ask them to review request to defer loan and to please stop calling our friends and family for both myself and my wife XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX violation noted on my background check conducted by XXXX that its not my violation. Plus other old violations still posted causing my partnership to be closed with XXXX. Now my household is in finacial hardship without this income.
Product: Debt collection

in XX/XX/2022 the utility company XXXX XXXX XXXX XXXX XXXX XXXX TX, send me to collection for a bill of {$130.00} that was not paid. 
I never lived at that address and I never open this account. I contacted them about this charge and they acknowledge that was not mine. 

I disputed this with all 3 Credit Companies and all of them already removed this from my credit file. But this late payment keep showing up on my XXXX Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Remove Unauthorized Hard Inquiries. 

Dear : EXPERIAN I am writing to dispute the hard inquiries that were made on my credit report without my permission. These inquiries were made without my knowledge or consent, and I believe that they were done in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b, which governs the permissible purposes of consumer reports. 
I would like to request that you remove these hard inquiries from my credit report as soon as possible, as they are negatively impacting my credit score and making it difficult for me to obtain credit and loans. 
XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX According to the FCRA, consumer reports may only be used for certain permissible purposes, such as in connection with a credit application, employment screening, or insurance underwriting. However, I never gave permission for my credit report to be published for any of these purposes, nor did I extend credit to anyone who would require such a report. 
Therefore, I believe that these hard inquiries were made without my permissible purposes and should be removed from my credit report immediately. I would appreciate your prompt attention to this matter and would like to request that you provide me with written confirmation of the removal of these inquiries from my credit report. 
Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted numerous times over the past year to get incorrect information updated and corrected on my credit report to no avail. Everything is still incorrect. Now, I intend to lawyer up. Please send ANY RESPONSE OR MATERIAL TO ME THROUGH CFPB. DO NOT ATTEMPT TO COMMUNICATE BY ANY OTHER METHOD THAN THROUGH CFPB. SEND EVERYTHING TO THIS PORTAL AND I WILL REVIEW EVERYTHING THROUGH HERE. IF YOU COMMUNICATE WITH ME BY ANY OTHER MEANS IT WILL BE CONSIDERED A VIOLATION. TIA
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX DOB XX/XX/86. I have been impacted with COVID SINCE XXXX! I HAVE BEEN IN CONTAXT WITH XXXX  WHEN NOT on XXXX  as I could. I have been in most recent contact, XXXX, XXXX, XXXX and XXXX Each month aside from XXXX, I was told, my account was covered under the assistance program for COVID AND NO PAYMENT WAS DUE. I THEN GET A COLLECTION CALL IN XXXX STATING I OWE {$190.00}!!! They told me all this missed COVID PAYMENTS WERE NOW ALL DUE AT ONCE!!! I HAD NO NOTICE THIS WOULD BE THE CASE, NO WRITTEN AGREEMENT NOTHING!!! THIS IS UDAAP!!! HOW CAN A PERSON IMPACTED BY COVID PAY ALL THESE PAYMENTS AT ONCE!! WELL DUE TO MY CONCERNS WITH MY CREDIT SINCE MY HUSBAND JUST DIED FROM COVID AND SO DID MY DAUGHTER, I NEED MY CREDIT! SO I SOLD MY WEDDING BAND TO COVER BILLS! THIS BILL! I PAID {$200.00}!!! TWO DAYS LATER MY CREDIT SCORE DROPS 33 POINTS! WHY?! BECAUSE XXXX  REPORTED ME PAST DUE!! I CALLED IN AND THE THRIRD PARTY REP TOLD ME ITD BECAUSE I HAVE NOT MADE A PAYMENT SINCE XXXX. I TOLD HIM I WAS TOLD I DID NOT HAVE TO BECAUSE I WAS ON TEH COVID PLAN. HE SAID, WELL I SEE THEY WAIVED LATE FEES FOR THOSE MONTHS, BUT I STILL HAD TO MAKE PAYMENTS - XXXX  XXXX!!! TOTAL XXXX!! I WAS TOLD I DID NOT HAVE TO! 

THEY NEED TO BE INVESTIGATED FOR HOW THEIR TREATING COVID IMPACTED CUSTOMERS!! THEY TOLD ME I QUALIFIED FOR COVID ASSISTANCE, AND NO AYMENTS WERE DUE, THEN THEY DEMAND A {$190.00} PAYMENT WITH NO NOTICE AT ALL!!! THERE WAS NO AGREEMENT TO MAKE ME AWARE THAT COULD HAPPEN! 

I NOW HAVE TO CREMATE MY DAUGHTER WHO DIED FROM COVID BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!!
Product: Debt collection

You are in violation of 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

[ Violation of 15 U.S. Code 1692e ] - False or misleading representations ] ( NATIONAL CREDIT SYSTEMS ) - Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Equifax, I requested the method of verification and description of reinvestigation procedures for the following five accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 USC 1681i ( 7 ) ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.