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

I am writing to formally file a complaint against Experian for their repeated failure to comply with federal credit reporting laws, including but not limited to violations of the Fair Credit Reporting Act ( FCRA ). Despite my multiple attempts to resolve these issues directly with Experian, they have not fulfilled their legal obligations under the following statutes : 1. **15 U.S.C. 1681e ( b ) ** Failure to ensure maximum possible accuracy of the information in my credit file.

2. **15 U.S.C. 1681s-2** Responsibilities of furnishers of information to provide accurate and complete data.

3. **15 U.S.C. 1681i ( 5 ) ** Failure to properly reinvestigate and correct inaccuracies in my credit report.

4. **15 U.S.C. 1681c ( c ) ** Reporting obsolete information. 

# # # Chronology of Disputes Filed : - XXXX XXXX, XXXX : ** I submitted a dispute regarding inaccuracies in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX A second dispute was filed due to unresolved issues. 
XXXX XXXX XXXX XXXX XXXX XXXX I filed another dispute, which also went unresolved. 
- XXXX XXXX, XXXX : ** I submitted yet another dispute to address the persistent errors. 
XXXX XXXX XXXX XXXX XXXX ** Despite previous attempts, inaccuracies remained, and I filed another dispute. 
- XXXX XXXX, XXXX : ** Another dispute was filed without resolution. 
- XXXX XXXX, XXXX : ** Most recently, I submitted a dispute, but the issues persist. 
The following accounts remains on my credit report reporting negatively. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my persistence, Experian has failed to correct the inaccuracies in my credit file or provide adequate responses to my disputes. These ongoing issues have caused significant harm to my financial well-being, including denial of credit, unfavorable loan terms, and other adverse consequences.

I recently became aware of the **CFPBs enforcement action against XXXX, in which they were sued for sham investigations of credit reporting errors. This lawsuit highlights XXXX systemic failure to properly investigate disputes and their practice of reinserting errors, directly threatening consumers ' access to credit, employment, and housing. These allegations align with my experience and further demonstrate XXXX disregard for FCRA requirements. 
I appreciate the CFPBs efforts to hold credit reporting agencies accountable and protect consumers like myself. I trust that your investigation will lead to a resolution of this matter and prevent further harm caused by XXXX practices.
Product: Credit card or prepaid card

Date : XX/XX/2020 I Tried to make a payment of {$3100.00} to a Bank of America mastercard in cash! and the machine got jammed! I Never got the money back! On XX/XX/2020 at XXXX XXXX at Bank of America Branch ATM with ID # XXXX, located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX .The ATM machine only gave me a ticket that says " We apologize for the inconvenience. We are unable to process your request and can not return your items ( s ). Please contact our Electronic Claims team at XXXX to discuss this transaction. '' I did call but to this day no letter or any response. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to access online accounts. Consumer agency Equifax representative asked to send social security card to an email address.Tried to login to XXXX report and received an error message " consumer not authorized to receive service '' Error 310 that was placed on my credit report by a customer service agent. These are unheard of events and I feel that I need help to dispute these items to gain access back to my credit report. I initially placed a fraud alert on my report with a change of address to XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Date:XX/XX/XXXX RE : Account Number : XXXX Original Creditor : XX/XX/XXXX Account number : XXXX Original Creditor : XXXX XXXX To whom it may concern, As I have not heard back from you in over 60 days, regarding my demand for proof, since my original notice of dispute and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2 ) What is your authorization of law for your collection of information? 
3 ) What is your authorization of law for your collection of this alleged debt? 
4 ) Please evidence your authorization to do business or operate in the state of Florida. 
5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 

You have 15 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. 

Failure to respond within 15 days of receipt of this registered letter ( with return receipt ) will begin my small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX
Product: Vehicle loan or lease

I am struggling to pay a car note on a vehicle that is no longer anywhere near the value I currently owe. I did not have the best credit score at the time of the purchase of the vehicle and was provided with an interest rate of 16.95 %. I tried to get other financing at that point but I was denied. The car was sold to me at {$26000.00}. To date I have paid a little over {$22000.00} I have a remaining balance of {$20000.00}. I have not been able to refinance the car due to the XXXX XXXX value being between XXXX XXXX dollars. 

I have requested to get out of this loan many times as I can no longer afford it. I have attempted to get a lower interest rate from my bank however I was denied. 

At the time of the purchase the sales person told me I would be able to trade the car in within 3 years however i am so upside down in this loan no one will take this on. If I am stuck in this loan due to predatory lending I will pay almost double for this car.
Product: Credit reporting or other personal consumer reports

I sent multiple letters to TransUnion regarding several inaccuracies I found in my credit report. Despite providing evidence, TransUnion has failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have rights under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report is fair, accurate, and fully substantiated. The inaccurate information is negatively affecting my credit score, and I request immediate action to correct the errors. 
Specifically, I would like to bring to your attention the following items on my credit report, which are inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the credit reporting agency is required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. Based on my review of the report, it is clear that this standard has not been met. 
Additionally, under XXXX XXXX. XXXX, I am requesting a reinvestigation of these inaccuracies. You are required to review and delete any information that is found to be inaccurate, incomplete, or unverifiable within 30 days. Please provide written confirmation of your findings once the investigation is complete. 
Failure to comply with the FCRA in this matter could result in serious consequences. Non-compliance, including failure to correct or remove inaccurate information, can result in legal liability under XXXX XXXX. XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX. XXXX ( Civil Liability for Negligent Noncompliance ), which could subject your agency to lawsuits, financial penalties, and responsibility for damages incurred by the consumer, including punitive damages, court costs, and attorney fees. 
Please act promptly and ensure that these inaccuracies are resolved in compliance with the FCRA. I expect to receive a response and resolution of these issues within the legally mandated time frame of 30 days. 
Sincerely, XXXX XXXX
Product: Credit card

I spoke to an HSBC person by phone, and I followed up with a chat on the HSBC web site. I provided the personal information they both asked for, but I did not get closure. They wanted all our personal information. The person on the phone did not close the account, although she left us with that impression. She just wanted convince us to open " rewards '' features on the account. I then opened a chat on the HSBC web page. After I gave the chat our personal information, the chat wanted my wife and I to each open a separate chat. We both have an HSBC credit card with the same number. My wife does not use a computer. Please help us close this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item has been disputed and found not to be my account. This item is not associated with me and should not be on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Equifax to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, STATE OF AK XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My one main financial account ending in XXXX is being reported on XXXX  as closed and opened on XXXX  this account was satisfactory paid off in beginning of 2020 and by law under FCRA you guys are reporting inaccurately on my credit profile and therefore now needs to be deleted from my credit profile
Product: Debt collection

I received medical services that resulted in a hospital bill and physician bill. I was told by my insurance company at the time that I only owed the deductible and co-insurance, which I paid. 
XXXX XXXX XXXX XXXX Number : XXXX Member ID Number : XXXX XXXX described my benefits and how much I owed for the services. They covered 90 % of the bill & 10 % was my responsibility. They told me that I owed my deductible and co-insurance payment which totaled {$230.00}. Please see the attached paperwork confirming that I paid what my insurance company said I owed. 
Furthermore, my insurance company claims that they never received a bill for these services and required an itemized bill in order to make payment. Despite my efforts, it seems that this never happened, and I do not feel that I should suffer for something that was not my responsibility. 
These services were covered under my insurance and were n't my responsibility. I request that this account be deleted and removed from credit. I have done everything in my power to reconcile the charges that I was responsible for and do not intend paying charges that are not rightfully mine.
Product: Checking or savings account

I am writing to file a compliant against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of changes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax that I am a victim of identity theft, and there response is that I am a third party. I am not a third party, I am person, and I XXXX XXXX state that I am a victim of identity theft who is submitting this complaint myself. and give authorization to Equifax to look into this matter.
Product: Debt collection

collector is desrespecful to my family members/XXXX XXXX was told of following the 7-7 law we ask him to stop calling/XXXX to XX/XX/ he has called 12 times violating the 7-7 law/he was ask not to call unless call comes from upper management/we asked XXXX XXXX the address he has on file and gave a wrong address/ we requested to sent notification letter to correct address and did not responded/XXXX XXXX works for CENTURY DEBT COLLECTION AGENCY calls from a private number every time/
Product: Consumer Loan

During 2013, I was leasing to own a vehicle with Mark One Financial and one time I was late between 30-59 days. I was paying on-time and up to that point and every single month afterwards I was never late. I asked while I was still under contract with them if I could have the late removed they said no. I asked again with a goodwill letter if it could be removed and again was told that the decision to be made was it would stay. It has been my only late with a vehicle and the only one listed on my credit report. If you could please assist me in getting this XXXX late removed on my credit report it would help me. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my XXXX XXXX XXXX account was paid in full over {$4100.00}. It was never reported correctly to the three credit bureaus. I have filed disputes with all 3. On XX/XX/XXXX, the account was updated but with the wrong information. XXXX reported 180+ days late payment history and the past due amount was {$2900.00} still due. The account can not be 180+ days late in XX/XX/XXXX if the account was paid in full XX/XX/XXXX. I am having a very difficult time getting the credit bureaus to update account and remove inaccurate report of late payment and past due amount reported in XX/XX/XXXX for an account paid in full in XX/XX/XXXX. Neither the account balance nor the late payment or past due amount reported is accurate.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my person
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 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 XXXX XXXX XXXX Account # XXXX Date opened- XXXX XXXX, XXXX
Product: Credit card

I lost my credit card with capital one and reported the fraud to them they told me they would hold the merchants responsible when I spoke to a representive that called me on XXXX/XXXX/2016 as of XXXX XXXX 2016 all the charges that were fraudulent we put back on my card now I have a balance of XXXX and change and when I spoke to a supervisor today they told me that they ca n't add the charges to the fraud report and to make payments on it first of all I 'm not going to pay for fraud and second I have XXXX different credit cards with capitalone and my savings and checking account they I was treated was horrible no one would help me and I was told to pay for fraud charges
Product: Student loan

Hello I have had my loans withXXXX XXXX etc whom all my loans were sent to this company from XXXX til XXXX, I became XXXX and submitted several XXXX they say from faxes from old emails etc that tgey never got, they say, they even garnished my social security check and took a tax return.I have done another discharge when i got up the nerves of how this goes again, to go over what was needed and get it from social security for them to say they need social security to tell them more, no my paper they sent me tell more tgan enough, and this happened a few days ago before my 60 day wait for it to be done, I even paid interest inschool and a out and stopped an the interest they were charging still exist under the whatever interest, or no interest now, thats old interest transformed.Please contact me had use 2 names to my loans!
Product: Credit card or prepaid card

citi bank/homedepot consumer credit card has arbitrarily dropped my credit limit from {$3500.00} to {$2000.00}. I called the company and was told it was an automatic action due to something the credit bureau sent them. I have approximately {$1800.00} charged so when they dropped the limit it affects my credit score due to percentage charged versus limit. I called Citibank on XX/XX/2020 and was told the limit was dropped on XX/XX/2020. I tried to explain to them that by now showing the card is almost maxed out it will drop my credit score. I was told that was not their problem. They stated it was an automated process and nothing could be done. 
I do not see how this company can get away with doing this to consumers when amount of charge versus limit is a factor in credit score.
Product: Payday loan, title loan, or personal loan

Ive called multiple times about the extreme interest rate and told them I can not afford the payment. The payment amount and finance fees were not disclosed to me upon applying. Ive paid all my payments on time and they only apply a small amount. The interest is over 600 % and is predatory lending. I have been sent emails saying they would reduce my interest rate based on timely payment but when I called they couldnt offer it. This company has violated UDDAP policies.
Product: Checking or savings account

This Complaint is against Wells Fargo, let and the method they utilize when they answer complaints. Wells Fargo responds in a general way, with several pages of the same details, as they respond, with the same general published declaratory language used in every response. The response and reply of Wells Fargo is not specific. very limited, and needs to be more precise to the complaint at hand. Basically the goal is an agreeable resolution by both parties. The methods used by Wells Fargo only further validate why Wells Fargo has been voted the most  XXXX  bank in XXXX on many online surveys.
Product: Credit reporting or other personal consumer reports

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

I told/informed XXXX, XXXX, and Equifax to reinvestigate and or remove these accounts : FRAUDULENT ACCOUNTS : XXXX. XXXX XXXX * Date Opened : XX/XX/XXXX FRAUDULENT HARD INQUIRIES : XXXX. XXXX XXXX * Opened Date : XXXX XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in

the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.