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

I am writing to complain about the handling of my recent credit dispute with Experian and XXXX XXXX. Despite providing sufficient evidence to support my claim, that XXXX XXXX has inaccurately reported on my income, I requested experian to investigate and dispute any errors and they have failed to do so. i asked experian to remove the account, it is evident that Experian failed to thoroughly investigate the matter, as required by the Fair Credit Reporting Act ( FCRA ). 

This negligence aligns with allegations in the current CFPB lawsuit against Experian, which highlights systemic failures in dispute resolution and compliance with consumer protection laws. Their inadequate response has caused undue harm and undermines the trust consumers place in credit reporting agencies. 

I request immediate re-investigation of my dispute and a detailed explanation of the steps taken to resolve it. Please ensure compliance with legal standards and uphold your obligation to provide accurate and fair reporting. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

These companies keep taking monies from my account, I've tried to Block them but new companys take .I sent screen shots of everything .thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following inquires. 


1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX- XX/XX/XXXX 6.  XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for the lack of customer service and unfair practices, thats violating the Consumer Financial Protection Act ( CFPA ). Cash app did not comply or take action to prevent fraud on there platform leaving my account vulnerable and unprotected. The dispute resolution process didnt even take place nobody complied with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. Due to there actions, I endured financial loss and seek appropriate redress of the violations.
Product: Credit reporting or other personal consumer reports

Company has reported inaccurate, unverifiable and information associated with identity theft to my report without proper furnishings.
Product: Debt collection

Received a letter from Receivable Management Group , Inc. claiming I owe money for an outstanding medical bill for the amount of {$57.00} in which it was paid in full two months ago.
Product: Debt collection

I 've contacted company on several occassions and verified the account is n't mine. They are still reporting it to the credit bureau agencies reports.
Product: Mortgage

Freedom Mortgage do not credit escrow account, missing money, not respond to audit request over several times, claiming shortage on escrow account when is none, paying insurance bills multiple times and wrongfully. 

I have called several times to Freedom Mortgage representatives, to request the errors made on the account be corrected .Examples described bellow prove that Freedom Mortgage is unable to properly managed our escrow account. 

Here a some examples : 1.- XX/XX/XXXX. A Check we mailed for XXXX with written : : '' PLEASE APPLY TO PRINCIPAL ONLY '' was deposited toward future payments. I had to call several times before this error was corrected and the XXXX applied to the principal balance. This is not the first time this has happened when we made additional payments toward the principal. 

2.- On XX/XX/XXXX statement. the amount we pay to escrow, which is XXXX was not credited to the escrow balance ; XX/XX/XXXX ; and XX/XX/XXXX, the escrow balance on our statements shows XXXX. Please explain why. 

3.- On XX/XX/XXXX, we received a notification that there was a shortage on the escrow account, for XXXX XXXX. This huge shortage, just to the simple view, does not make any sense, since fire insurance for next year is XXXX, and the difference on property taxes for next year is XXXX Property Taxes for XX/XX/XXXX-XX/XX/XXXXwere XXXX Property taxes for XXXX are XXXX = ( XXXX ) Hazard Insurance From XX/XX/XXXX to XX/XX/XXXX = XXXX Hazard insurance From XX/XX/XXXX to XX/XX/XXXX = XXXX. XXXX = ( XXXX ) XXXX= XXXX= XXXX escrow shortage ; not XXXX. 
ADDITIONAL OBSERVATIONS To my surprise, Freedom Mortgage made a payment to XXXX XXXX for Hazard insurance for year XX/XX/XXXX- XX/XX/XXXX in XX/XX/XXXX for XXXX XXXX, almost three months before the coverage ended in XX/XX/XXXX. This payment must had been done in XXXX, not in XXXX. 
Please explain why. 
HAZARD INSURANCE IS ALREADY PAID FOR A YEAR ; FROM FOR XX/XX/XXXX TO XX/XX/XXXX! 

When the analysis was made on XX/XX/XXXX, this fact was overlooked and that created a shortage : XXXX + XXXX = XXXX We have not only had issues with escrow errors, always in your company 's favor, but also had problems with you receiving our mortgage payment on time, Freedom Mortgage has claimed twice, they did not received our mortgage payment. We use bill pay to pay for dozens of bills we have due to our business and never had any complains nor late payments except for Freedom Mortgage We have compiled records of other payments made by our bank on our behalf, that were mailed on the same dates Freedom Mortgage had claimed did not received payment on time ; ALL of them cleared their checks on time, except for Freedom Mortgage. 

Your prompt response to our request is appreciated. We hope to have this solved by the end of XXXX. We will not hesitate to take this further if these issues are not solved satisfactorily. 
Thank you Best regards. 
XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint to inform your agency that I am a victim of ID Theft. I have tried to fix the issues several times with each company and there is still fraudulent addresses showing on my report. My name is XXXX XXXX DOB XXXX SS XXXX.My current and only address isXXXX XXXX XXXX XXXX XXXX OH XXXX please delete any other name other than what I listed. Please delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please remove the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I am complaining under FCRA 15U.S.C. 1681 ( 8.17.3 NOTICE OF ADDRESS DISCREAPANCY )
Product: Checking or savings account

XX/XX/2022 I tried to send money to XXXX XXXX with XXXX through my USAA Federal Bank Account. I received a failed transcript for {$1000.00}. On XX/XX/2022 I sent {$400.00} which showed as delivered. On XX/XX/2022 I tried four times to send the {$1000.00} transaction again, but received a message of payment failed. On XX/XX/XXXX, there was a transaction delivered for {$1000.00} to XXXX XXXX. 

However, USAA withdrew {$400.00} on XX/XX/2022 and XX/XX/2022 for {$1000.00}. On XX/XX/2022 is when another transaction posted for {$1000.00} on XX/XX/2022 which was not there prior days before. My XXXX activity shows only TWO payment delivered transactions but USAA has paid out THREE times to the same account. 

USAA should be held responsible because on the APP the statement reads : XXXX and USAA do not offer protection for authorized payments, so money you send you may not be recoverable. 

However, USAA was not authorized to send an extra {$1000.00} to the XXXX XXXX. Therefore, they should be handle responsible for my lost income. The XXXX transaction does not show any extra payment, which means USAA sent that money without my permission. If that money was posted, I would have never tried to send it again. 

They tried to resolve by making the receiver responsible but ultimately they are at fault and told be my money could not be recovered with my dispute.
Product: Debt collection

The account was opened fraudulently on XXXX/XXXX/2015 and has left the balance of {$130.00}. I've since filed identity theft, sent off a notarized dispute letter with an affidavit, and I'm now filing a complaint as the discrepancy remains reflective on my report.
Product: Credit reporting or other personal consumer reports

In reviewing my consumer report, I discovered that it contains information that does not belong to me. Specifically, there are accounts and personal information that I have never authorized or opened, indicating possible identity theft or an error. I immediately contacted the Credit Reporting Agencies ( CRA ) to address this issue and requested all relevant information and documentation regarding these accounts. Despite my efforts, the CRA has failed to provide the requested information, leaving these incorrect entries unresolved on my report. This has negatively impacted my credit score and caused significant XXXX. I am reaching out to you because of violations under 15 U.S. Code 1681n and 15 U.S. Code 1681o.
Product: Credit reporting or other personal consumer reports

Request to Dispute Account information on My Credit File I currently received my credit reported and located the following serious problems of inaccurate reporting. This is my very first time disputing my credit report because I have just accepted that I had bad credit and became a victim of it. Please do not regard this investigation as a frivolous letter, Because My information was exposed in Data breach. 

I dont know what these collection, account are for. I have not contacted these collection agencies to validate these debts, so therefore I am disputing the validity of these debts. I demand for these all inaccuracies on my report to be removed in 30 days because my information was exposed in Data Breach. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ) and the timeframeallowed, please re-investigate and delete/correct this information. Please send me the names and the address of the persons contacted. I'm gon na assume that thirtydays constitutes a reasonable time to complete the actions constitutes non-verification and these item must be promptly deleted according to the Section611 ( a ). 

Also according to Section 611 ( a ) for the Fair Credit reporting Act, please send me notification that the items have been deleted. Send an update copy of my credit report to the below address. According to the provisions of Section 612, thereshould be no charge for notification of changes of my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to remove inaccurate information from my credit report. The credit bureau continues to report this inaccurate information and has not sent proof of verification
Product: Checking or savings account

Charges are not reported in logical order. I have charges from the current day appearing immediately and then three days later a charge  from 3 days earlier show up. This results in fees that the bank charges. The fees caused by this far outweigh the original charges. It feels like I am being scammed for fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian on XX/XX/2021. I got confirmation that Experian received my compliant on XX/XX/XXXX. 2021. I still have yet to receive the results of my dispute or if any investigation ever happened.
Product: Checking or savings account

On XXXX, I went to XXXX XXXX store to purchase a XXXX XXXX XXXX Upon paying for it at register XXXX, I brought to the cashier 's attention that I couldn't see anything on the credit card machine. XXXX, the register lady said, " Oh it's there. '' So, I inserted my debit card and my transaction went through. Then I told the lady XXXX, Id like to pay for a gift card. Again, I couldn't see anything on the screen ; but I inserted my debit card. Then I took it out, and shortly after, the credit card machine prompted me to reinsert my card. Shortly after, the receipt began to print. When I left, I checked my account and it had an unauthorized charge for {$39.00}. The XXXX transaction went through, then XXXX, and then my gift card transaction. 
Since I filed an OCC complaint regarding this incident yesterday, XXXX, I figured {$39.00} would be back in my account first thing this morning ; and it's not. XXXX, now I'm filing this complaint. 
Another reason for this complaint is that the sequence of the transactions on my Bank Ledger have been altered. And that's just not right. My images in my inbox got altered as well. 
In conclusion I never authorized XXXX XXXX for {$39.00}. Therefore, I'm disputing this amount from my Bank of America ledger. Please have {$39.00} returned asap. Thank You. XXXX XXXX XXXX
Product: Debt collection

I recently received copies of Loan Documents from Ally, The address they have on the account is Not Mine. I need them to remove this inaccurate account from under my name.
Product: Debt collection

Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a credit monitoring alert stating that a charged-off account was placed on my Experian credit report ( XXXX XXXX , XXXX | Account # XXXX ) as of XX/XX/2020. This account was previously re-investigated by Experian and deleted from my Experian credit report as reflected on my XX/XX/2020 credit report ( Report # XXXX ). Subsequent credit reports of XX/XX/2020 ( Report # XXXX ) and XX/XX/2020 ( Report # XXXX ) continued to show this account item deleted from my credit file ( see attached credit reports ). Now this item has been reinserted on my credit report in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, TX XXXX still reporting wrong address
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and found the following fraud accounts on my credit profile : XXXX XXXX act # XXXX XXXX Act # XXXX XXXX Acnt # XXXX {$470.00} XXXX XXXX XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX {$220.00} I've disputed these accounts multiple times with XXXX, XXXX and equifax over the past year and they are still appearing on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these are hard inquiries on my credit report that are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a paym
ent on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 - 60 days late for the month of XXXX to XXXX and XXXX 2018. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Debt collection

I received a letter from the company named Pioneer Credit Recovery.  They claimed that i owe XXXX. I also was contacted via mail and phone by XXXX XXXX XXXX which claims to represent XXXX XXXX   XXXX  : this company claims i owe a total of XXXX. These companies have been debiting my personal bank account each month due to me signing up for a student loan rehab program to get my loans out of deffault status. Induction into these programs required me to agree to unconventinal stipulations within the law that binds collection agency practices. The ammounts listed include collection fees and other fees beyond the principle ammounts owed to the orriginal guarantors of these direct stafford and ffel student loans. 
I confirmed this on the nslds.ed.gov website and fafsa.edu.gov and navient. 

One of the collection agencies also took innital steps to garnish my wages and/or innitiate a treasury offset, if needed. Both these companies actions are questionable, possibly fraudelant.
Product: Mortgage

***XX/XX/XXXX - Bought home, financed with LoanDepot . Escrow was setup to cover both regular and supplemental property taxes. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***XX/XX/XXXX - Sent supplemental tax bill to LoanDepot . [ Incident : XXXX ] 1st installment due XX/XX/XXXX - {$2800.00}, 2nd installment due XX/XX/XXXX also for {$2800.00} I sent it to the email their call center told me to send it to. XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***XX/XX/XXXX - I paid first installment of supplemental taxes myself because I only had automated response from LoanDepot, no confirmation. I took responsibility for giving them short notice. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***XX/XX/XXXX - LoanDepot sent me a check for overage in escrow. {$2900.00}. This check would have been for a " slightly '' lower amount if they accounted for supplemental taxes in their escrow analysis. Turns out, they did not do their escrow analysis correctly despite having both supplemental bill from me and also the funds to cover it. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***XX/XX/XXXX - Supplemental taxes were due and LoanDepot did not pay them. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***XX/XX/XXXX - I receive late notice from county. And I sent an email to LoanDepot ( call center couldn't answer this ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***XX/XX/XXXX - They issue another escrow overage check to me for {$2700.00} instead of paying the county. Notice that despite them sending me overage check in XXXX, they still had a significant overage in escrow. Only {$16.00} short, if they had paid it on time. Now there is an additional 10 % late fee of {$280.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Considering I did my part by proactively sending the supplemental bills and also considering they clearly had the funds to pay for it, I am expecting loandepot to take responsibility for not paying the supplemental bill on time and I expect them to pay the late fee. But they argue there weren't sufficient funds which is just not true.