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 systematic 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 inaction violates federal law and my rights as a consumer.
Product: Mortgage

I fell behind in my mortgage payments in XXXX and when I got back on my feet, I applied for a mortgage modification. I sent in an application, bank statements and pay stubs. I then called to see if everything was in. I was told I needed a Verification of Employment. I asked if they could send me a form. They said they could not. I looked for a Verification of Employment form online and found one from XXXX XXXX I had my employer fill it out and send it in. I then called today, XX/XX/XXXX, and was told that the form was not accepted and that the file was noted on XX/XX/XXXX. I sent the form in XXXX. I then asked if they sent out a letter explaining what exactly they need and if they included a form. I was told that no letter was sent, no call was made, no form was sent and all that was sent was a letter telling me to apply for loss mitigation - while there is an open loss mitigation review with missing documents. I feel like waiting 3 weeks while my bank statements and pay stubs are expiring is unacceptable. I feel like I am not getting a fair review, or SPS is not handling my file correctly. I believe I should receive a single point of contact who should be overseeing this file. I am in foreclosure and fear losing my home and my lender is making me feel like they are not honestly reviewing my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agent can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Student loan

I received a letter from Discover letting me know they have been over charging my account with interest since XXXX. They sent me a letter on XX/XX/XXXX stating that they were sending me compensation and would reimburse me for 12 % of the over charged fees. I have asked for documentation explaining how much was over charged and details of this from the past 7 years so I could presume they reimburse me the full 100 % and not just 12 % of what I overpaid in interest the past 7 years. 

I have requested these details more than one occasion through phone calls and also through their messenger on their website. 

I spoke with someone on XX/XX/XXXX to have a supervisor call me but they said they would not get back to me until Wednesday, XX/XX/XXXX because it was a holiday. I received no attempted phone call from a supervisor and then sent Discover a message saying no phone call was made, they then responded to call back to have the issue resolved. I messaged again back a forth letting them know the issue still had not been resolved and no phone call had still not been made. I have records from my phone company showing they did not make a phone call and I also have a recording of the conversation with their knowledge of me recording the conversation. 

I also am in a bankruptcy and they claim they can not send me documents due to this but they have sent me 7 documents just this year.
Product: Debt collection

I have checked my credit report noticed theirs a collection from to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, CREDENCE RESOURCE XXXX. Which did not send me a letter to dispute this account, which in fact require by law I have 30 days to respond to the letter. But instead this company placed it on my credit report. No Parking Rule/Refusal to pay/ Cease and Desist, they have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. 


Account name XXXX & XXXX : Acct # XXXX Account name XXXX XXXX : Acct # XXXX
Product: Vehicle loan or lease

I make biweekly payments on my recreational vehicle loan to Aqua Finance. The monthly loan payment is {$250.00} and I make bi weekly payments of {$140.00} and already paid ahead through XX/XX/year>. I haven't really understood the statements they've sent regarding the payments until the last couple where the overpayments are being applied as INTEREST and not being applied to the PRINCIPAL. This does not seem to be a good business practice and seems to be a little unethical. I noticed on my most recent statement that I am paid in advance and paid {$280.00} in the latest cycle and by balance was only reduced by {$41.00} and if I'm paying in advance then I should be paying less interested biweekly and reducing the principal quickly as well.
Product: Credit reporting or other personal consumer reports

Without fail, I've maintained timely payments on this account, preventing any instances of overdue payments. I'm unclear about the reasons behind reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, this should be addressed.
Product: Credit card or prepaid card

In XX/XX/2020 we were billed {$56.00} on our Discover card for a purchase of shoes from XXXX XXXX dba XXXX. It turns our	 this was a scam company advertising a warehouse sale of Keen shoes. 
We never received the shoes and disputed the transaction in XXXX. We were initially refunded ( credited ) by Discover and the dispute was decided in our favor in XXXX. 
Then, in XXXX, XXXX sent something to Discover and the charge was re-instated. I called Discover and we were re-credited. Discover could or would not tell me how many times or how long they would allow Amor/Osborder to continue re-charging our card. It appears that this could continue for years.

Please require Discover to stop accepting re-posts of settled  disputes from scam merchants such as XXXX XXXX. 

Of note, we have been Discover card members for 30 years with a solid history of business with legitimate merchants and on-time payments.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX are reporting inquiries that I did not authorize and dont recognize. The below inquiries need to be immediately deleted from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Product: Checking or savings account

On XXXX XXXX XXXX TD Bank Locked My Account Holding Electronic ACH Deposits, I Have Made At Least 10 Phone Calls With No Resolution To This. My Debit Card IS Also Locked They Refuse To Let Me Close My Accounts and continue to charge a monthly fee depleting my balance the balance they wont let me access they tell me they dont know how to fix it and have given me no means to resolve it
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing errors. These late payments don't align with my usual payment history.
Product: Credit card or prepaid card

I have had several issues for months. For some reason other than non-payment the account was closed and I was never informed. Barclays has a policy that once the account is closed you do not continue to have online access. I had always made automatic payments and was able to review my account statements on line. There was a period in which I was never notified and did not and still do not receive paper statements. 

On XX/XX/23 spoke to row different operators OP XXXX XXXX on a recorded call XXXX XXXXXXXX then transferred to the manager who would not identify herself with operator number name XXXX on recorded call XXXX XXXXXXXX. 

Through this discussion they acknowledged that I had no access to my online account they had stopped sending statements. Because the stamens stated the options to pay was through their online account, send a check and or use their IDR system. 

Apparently I do to use to receive emails saying to go paperless and sign up for the online access but company policy does not allow closed accounts to have online access. Every month I have to call to make a payment and I have had several issues even accomplishing this. I have to go through 3-4 transfer to different operators and then end up having to speak to an account manager specialist. Its exhausting having to repeat and repeat same identifying information to each operator. Besides being obnoxious and repeating myself with the same information to each. 

I can not set up a recurring payment, I can not have an online access to make payments. Every time when and if I get a statement the options to pay are not valid. Statement says online payments, over the phone and via check. I have always paid thru online system and now they are requiring me to change after 7 years with this account. 

I have been reported to the credit bureaus for delinquent payments and their system is set up so that they came excuse themselves saying their is a system update when payments are due to force a late payment fee. 

I just want my online access to review what they are charging me and make my payment online like I always have and not have to go through leaps and bounds to make a simple online payment. 

They are making it so difficult for the consumer just to make a payment.
Product: Credit reporting

I am challenging Public Record Information on my credit report of which I am stating is inaccurate in its filing. I understand the term " Dismissed '' to mean that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not and do not verify or provide information to the agencies. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal future objectives. Please advocate for me in this challenge.
Product: Credit reporting or other personal consumer reports

Please note that this is my SECOND WRITTEN REQUEST. I SEND THE FIRST LETTER [ XX/XX/XXXX ] I have been contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal, THIS A VIOLATION UNDER FCRA Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIRES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

The unverified items listed below remain on my credit report in violation of Federal Law. The FCRA requires you to have a copy of the original documentation from creditors on file to verify that this information is mine and correct. In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly. '' Who verified these accounts? 
You have not provider me with a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to inmediately DELETE all information that can not be verified. 


The following inquiries are not authorized : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian
Product: Checking or savings account

On XX/XX/2022 my mother was scammed into withdrawal funds from her checking account. The robbers told a convincing lie and she, who is XXXX, wound up driving them to her bank, First Citizens Bank, and convincing her to take out {$15000.00} in cash from her account. This is a rarely used account with little activity, and no large cash withdrawals of this type. The bank should have seen this as a red flag on the activity alone, also on the potential elder abuse for her to withdrawal such a large percentage of her account and give it to her all in cash same day. They did not make her fill out any extra documents for a large cash withdrawal, schedule a time to come back and get it, give her a cashiers check, or ask more questions to understand that it may be fraud. 

After the robbery occurred she immediately filed a police report and then went back to the bank. Bank branch essentially said sorry not my problem and directed her to an XXXX #. After going in circles with the XXXX # 'investigation ' which of course found them to be at no fault we were not provided copies of the video or any detailed transcripts of conversations that the teller had with XXXX about why this {$15000.00} may be a red flag or evidence of fraud/ put her at high risk of robbery. 

This is also a joint account and the joint owner was not made aware of this request, or the teller did not think it was strange that XXXX requested the money 'to help her daughter ' when the daughter is a joint owner with XXXX XXXX Unacceptable that the bank would have so little training on elder abuse, fraud, and red flag transaction for large cash withdrawals, and then after a traumatic robbery essentially say too bad not our problem and give no help.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for its failure to properly investigate and remove inaccurate account information from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Amount : {$8400.00} I previously submitted a dispute to Equifax regarding the inaccuracies in the above-referenced account. Despite providing evidence supporting the inaccuracies and requesting its removal from my credit report, [ Equifax ] failed to conduct a thorough investigation and the disputed account remains on my credit report.

As a consumer protected under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Equifax failure to comply with this law is a violation of my consumer rights and has caused me financial harm and distress.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Equifax for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate account information from my credit report and appropriate measures to ensure that Equifax upholds its obligations under the law.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

Get Sit Solutions NMLS lic # XXXX Has wrongfully foreclosed on our Home, XX/XX/XXXX, by sale to XXXX XXXX in the sum of XXXX. 
An amount unconsciously low compared to the XXXX XXXX of XXXX XXXX potentially robbing us of XXXX in equity ; Which violates our contractual rights prohibited by applicable law defined in the definition section of the Uniform Instrument to mean all controlling applicable federal, state and local statutes, regulations, ordinances and administrative rules and orders ( that have the effect of law ) as well as all applicable final, non- appealable judicial opinions. under section 22 Acceleration and remedies Get Sit LLCs willful non-compliances with the foreclosure avoidance provisions of Regulation X which is a condition precedent to enforcement of the power of sale May render us, an attested socially disadvantaged family, homeless.

Our injunction has been filed with the XXXX  XXXX XXXX and a hearing scheduled. Enclosed are the certificates of service and XXXX XXXX payment of mortgage interest. 

The lender has suffered no harm with assignment XX/XX/XXXX collecting hand over foot in interest fees loan servicing charges. And now selling our home unconsciously low, ceasing to abide by statutory regulations of GA and the federal rules of THIS GREAT USA
Product: Credit card or prepaid card

On XX/XX/2023, my CapitalOne was closed by the bank with my rewards money of {$220.00}. They closed my account but never sent me a check for the money that they owed me.
Product: Credit reporting

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) XXXX of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX XXXX, XXXX XXXX and they have failed to do so.
Product: Mortgage

THEY KEEP CALLING ME AND WANTING ME TO RE FINANCE AND I DONT WANT TO. THEY DIDNT PAY MY INSURANCE AND WROTE ME A LETTER SAYING THAT I SAID I WANTED TO PAY IT ON MY OWN AND I DIDNT NOW I HAVE NO INSURANCE I DIDNT ASK THEM TO BUY MY LOAN PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXXXX/XX/2023 ; XXXX XXXX XX/XX/2023.