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

Dear Experian Dispute Department, I am writing to formally dispute the continued presence of inaccurate information on my credit report. Despite my prior attempts to resolve these issues through your dispute process, the errors remain unresolved, and these inaccuracies are harming my financial standing. 

The persistent mishandling of disputes and failure to correct inaccuracies are consistent with the allegations raised in the CFPB lawsuit against Experian ( XXXX XXXX. XXXX ). I believe my case is yet another example of XXXX failure to ensure accurate reporting and proper dispute handling as required under the Fair Credit Reporting Act ( FCRA ). 

The following accounts on my credit report are inaccurate and need immediate correction : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} Status : " Account charged off '' XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : " Account charged off '' XXXX XXXX Bank XXXX XXXX XXXX : XX/XX/XXXX Balance : Not listed Status : " Paid, Closed '' XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : " Closed, {$550.00} written off '' XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} Status : " Account charged off '' XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : " Closed, {$830.00} written off '' XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} Status : " Account charged off '' I have repeatedly disputed these accounts as they contain incorrect balances, statuses, and other inaccuracies. However, Experian has failed to correct them or provide sufficient evidence to validate their accuracy. 

Under the FCRA, you are required to : XXXX a thorough investigation of disputed information. 
Correct or delete any inaccurate, incomplete, or unverifiable information within XXXX  days. 
Notify me of the results of your investigation and provide an updated copy of my credit report. 
The CFPB lawsuit highlights systemic issues within Experian 's processes, including mishandling disputes and failing to properly address inaccuracies. I expect Experian to uphold its legal obligations and resolve these issues immediately. 

Requested Actions : XXXX a full investigation of the accounts listed above. 
Provide a written explanation of the findings for each account, including documentation validating their accuracy. 
Correct or delete any information found to be inaccurate, incomplete, or unverifiable. 
Send me a free copy of my updated credit report reflecting these corrections. 
If these issues are not resolved within XXXX  days, I will escalate this matter by filing additional complaints with the CFPB and other regulatory authorities. 

Enclosed, I have provided supporting documentation, including my credit report highlighting the disputed accounts and prior correspondence regarding my disputes. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX This CFPB has been filed to request pursuant to FCRA & 605B ( 15 U.S.C. & 1681 c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit Capital XXXX account opened XX/XX/XXXX, an XXXX XXXX XXXX XXXX account opened XX/XX/XXXX Self Financial Lead BA opened XX/XX/XXXX XXXX XXXX XXXX XXXX account opened XX/XX/XXXX XXXXXXXX XXXX XXXX  opened XX/XX/XXXX XXXX XXXX opened XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent report. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I filled out forms for a credit card at TJ Maxx. I have never used the card however. ( I still have the card in the original envelope it was mailed ). I have been extremely cautious about my credit. Months later I saw I had a derogatory report on my credit score. I learned this was from TJ Maxx so I went to the store to resolve the matter. I was told they had no information on me and no records that I owed anything. Unfortunately I believed them. I filed a dispute. Months later I find out it is still on my credit report and the amount is {$270.00}!!! I have never used the card. I have never received a bill. I have never received an email regarding a bill or purchase. I did not charge any purchases at TJ Maxx!! I do not know how this bill came to be on MY report or supposedly charged to MY card but it is obviously in error. How do I resolve this??
Product: Debt collection

I just looked at my credit report and was shocked to see the error you have listed. I am writing to have you remove them immediately. The following account needs to be removed immediately : Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : VERIFY AND VALIDATE all data. By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. As I am sure that you are well aware, current XXXX case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
Product: Money transfer, virtual currency, or money service

Timeline for Reporting Bank Fraud and Chase Bank inability/unwillingness to help XXXX XXXX : I was approached by a then-credited firm called XXXX XXXX XXXX to XXXX XXXX XXXX through a bank guarantee. Company can be found here : XXXX XXXX XXXX This was done through several video calls, and emails where I could see and speak with the CFO, XXXX XXXX XXXX XXXX We had done due diligence, certified the company 's standing with the XXXX XXXX XXXX, and deemed the company legitimate. 
XX/XX/year> : After our project was approved, he recommended using XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) as a broker for the deal. 
XX/XX/year> : After having my lawyer thoroughly review the contract, both XXXX XXXX XXXX and my company engaged in a contract. See the attached deed of agreement. 
XX/XX/year> : XXXX XXXX provided our company with an invoice for the deposit on the instrument. This amounted to {$100000.00} and was paid to the account referenced in the attachment. 
XX/XX/year> : XXXX XXXX then provided our company with an invoice for part of the leasing fee of {$110000.00}. This amount was previously not disclosed in our documents. We declined to pay that as we were not contractually obligated to at the time. 
XX/XX/year> : The fraudulent nature of the business account was first recognized. 
A total of six calls were made to JP Morgan Chases customer service to report the fraud. 
XX/XX/year> : An agent was reached but declined to assist with the case or provide actionable support. 
XX/XX/XXXX - XX/XX/year> : Attempts were made to contact JP Morgan Chase via their advertised email for reporting fraud ( XXXX ). However, all emails bounced back, indicating the email address was nonfunctional or inaccessible. 
Conclusion JP Morgan Chase Bank has demonstrated an inability or unwillingness to assist in resolving this matter, despite multiple attempts to report the fraudulent activity through official channels. Due to their lack of support, it is necessary to escalate this issue to appropriate regulatory authorities, including the **Federal Trade Commission ( FTC ) ** and the **Securities and Exchange Commission ( SEC ) **. This situation raises concerns about the bank 's commitment to addressing bank fraud and potentially aiding in the facilitation of fraudulent activities or money laundering.
Product: Debt collection

I have received an incorrect bill. They have called me, giving me an ultimatum, and telling me they would affect my credit. This seems to be harassment due to the below history. History : XX/XX/XXXX- I petition health benefits from the Social Security Administration ,  receiving a response saying I do not qualify. XX/XX/XXXX- I go through a XXXX procedure at XXXX XXXX XXXX XXXX XX/XX/XXXX- I receive a bill fro {$480.00} of charges, totaling {$1900.00} where XXXX would cover {$1400.00}. XX/XX/XXXX- The coverage by my health insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ended. XX/XX/XXXX- The coverage from XXXX XXXX XXXX XXXX XXXX , began XX/XX/XXXX- I paid the bill of {$130.00} for the total charges of {$290.00} where XXXX covers {$210.00} XX/XX/XXXX- Agreed for a payment plan to pay the balance of {$480.00} in 10 payments. I completed these payments between XX/XX/XXXX and XX/XX/XXXX.
XX/XX/XXXX- I received a bill for {$680.00} XX/XX/XXXX- I had a conversation with a representative at XXXX where I explained that this payment doesnt correspond to me, since I had already paid my {$500.00} deductible, and it is the responsibility of XXXX to pay that bill. I also added that it was very inconvenient that they were creating differing statements. XX/XX/XXXX- I receive a notice for the Collection Agency requiring the payment of {$680.00}. XX/XX/XXXX- I receive a telephone call from the Collection Agency ( XXXX  XXXX ) where I explain the inappropriateness of this bill. I then sent all the records and history of this issue. XX/XX/XXXX- In other conversations where I myself called XXXX , they agreed to pay this charge ( even if I dont have coverage with them at the moment ). The only condition they placed is that I send them a letter from the Social Security Administration stating that I was not qualified for XXXX. I obtained that letter, I sent it to XXXX and a copy to the Collection Agency. We agreed to wait for a response. XX/XX/XXXX- I received another notice from the Collection Agency requiring the above-mentioned bill amount, this time with very harassing notes, without any attempt to speak and communicate with me over the our previous agreement of waiting for a response from XXXX .
Product: Student loan

HI, today XX/XX/XXXX I wrote a complaint about XX/XX/XXXX I am looking forward to a response. I must continue to write because I know CFPB and I will get some results. My student loans belong to my children I am the cosigner. these loans were used at XXXX for XXXX my dau in XX/XX/XXXXand at XXXX in XX/XX/XXXX for my dau XXXX. There is a 3rd connected to me but disbursed to my nephew XXXX XXXX in XX/XX/XXXX for XXXX, I never ever agreed to or signed for the loan ; of course it was an esignature ; I am currently filing fraud charges on this loan. Here is another problem the loan for XXXX is in wage garnishment with a third party XXXX as of XX/XX/XXXX monthly in the amount of {$660.00}, but this loan is also included in a consolidation that I will repay starting XX/XX/XXXX monthly in the amount of XXXX, I think or in the area. I have talked to Navient and FAFSA they do n't help because they are unwilling. I sincerely await a response. Thank you for your!
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDENCE RESOURCE MANAGE XXXX potentially negative icon Potentially Negative StatusCollection account. {$710.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$710.00} Date OpenedXXXX XXXX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$680.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$680.00} Date OpenedXXXX Details Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$140.00} Date OpenedXXXX Details XXXX XXXXXXXX potentially negative icon Potentially Negative StatusClosed. {$480.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXXXX Details XXXX XXXXXXXX potentially negative icon Potentially Negative StatusAccount charged off. {$530.00} written off. {$530.00} past due as of XX/XX/XXXX. 
Account TypeCharge Card Balance {$530.00} Date OpenedXXXX
Product: Credit card

Re : Denial of Credit Limit Increase Attention Investor Relations : As an ongoing investor in your company by extending my private credit in the form of the initial e-chattel ( commercial ) paper, also known as a letter of credit, for value and consideration for American Express XXXX XXXX Card, I am continuously being denied a credit limit increase that I strongly believe is unjustified and in error. 

American Express, as a securitizer, took my letter of credit and turned it into a collateralized trust asset to be securitized along with other receivables as explained and detailed in American Express ' XXXX report year ending XX/XX/XXXX, page XXXX, Note XXXX Asset Securitizations. As the originator, I am demanding access to my credit, without restriction or denial, now and in the future, of a credit limit increase. 

Despite the reason for my denial being my " FICO Score '' as an INVESTOR who provided an application and access to my credit, I am due and owed consideration. 

Per your agreements with the Securities and Exchange Commission, via your prospectus, Form XXXX, and XXXX reports, you duly report that you are in complete compliance and swear that you are upholding the " requirements of the Securities and Exchange Act of 1934. '' As a bond fide purchaser and originator, I came to you with the intention of extending my private credit and to be returned with value and consideration. Your denials of my credit is a CLEAR and COMPLETE violation of the Securities Exchange Act of 1934, and your are in fact committing securities fraud and unjust enrichment. Any demand for a credit limit increase MUST be approved without restriction, delay or hinderance, and no spending limit is to be placed on the card moving forward. Any report of a " late payment '' or " past due balance '' will be used as evidence of false, misleading and inaccurate reporting, and a violation of the Fair Credit Reporting Act which I will seek compensation for damages. 

Additionally, per " The Pooling and Servicing Agreement Generally -- - Sharing of Principal Collections Among Principal Sharing Series '' in your prospectus, every revolving period, you WILL deposit the principal amount into the Principal Funding Account, so as not to inconvenience me, the investor and holder of collateral interest. 

I expect this matter to be handled promptly and the credit limit increase denial to be immediately reversed and authorized within five ( 5 ) business days and I receive confirmation of approval for the credit limit increase and no late payments reporting to any and all credit reporting agencies, and if there are any late payments reporting, for them to be corrected to reflect good standing ( paid on-time ), now and in the future in perpetuity.
Product: Credit reporting or other personal consumer reports

After checking my credit report a couple months ago to purchase a vehicle, I noticed that there are several account that do not belong to my person. The address attached to the incorrect open accounts do not belong to me. This error is hindering my personal progression.
Product: Mortgage

Regions bank does not appear to be following TRID guidelines. We are down to the last few hours for me to sign the CD for my closing on Monday and Regions is very behind. Without going into the demeanor of those of I spoken with or the internal issues they are attempting to overcome, I would like to focus on their TRID process. The Production Manager, XXXX XXXX in the XXXX XXXX, SC processing center will not attempt to obtain a balanced CD for me to sign. He is insistent on sending be an incompete CD for signature which will not be sent until after business hours. Tomorrow, he will work on balancing the CD with the title company with their figures, taxes, government fees and estoppel info. I have been in contact with the Law Firm closing my purchase and they are waiting for Regions Bank to perform. The process should be for Regions to send to the Law Firm to balance figures prior to presenting the CD to me for signature. Estoppel info, if delayed, can be revised during three day wait but the main figures should be accurate. This is the intent of full disclosure to the borrower so that he/she has an understanding of costs associated with obtaining a loan three days prior to signing. Regions appears to be circumventing the spirit of the law as enacted by Congress.
Product: Checking or savings account

My name is XXXX XXXX and I'm a XXXX student currently studying in the XXXX. I am writing to formally lodge a complaint regarding my savings account with XXXX by Goldman Sachs, which has been frozen for an extended period. As a XXXX student studying in the United States, I rely heavily on the funds in this account to pay my tuition fees and cover living expenses. My Social Security XXXX ( XXXX ) ends with XXXX, and I have approximately {$16000.00} deposited in this account. 

Recently, when attempting to pay my tuition fees, the transaction failed, and subsequently, my account was frozen. Upon contacting customer service, I was informed that identity verification was required. Specifically, I was asked to provide a driver 's license, which I do not possess as a XXXX student. Instead, it was agreed that a case would be set up to verify my phone number ( XXXX ). 

I have patiently waited for over XXXX business days, only to receive the same response from customer service stating that they are unable to verify that the phone number is under my name. This has resulted in a frustrating and seemingly endless loop with no resolution in sight. 

Given the urgent nature of my financial needs and the lack of progress in resolving this matter, I am requesting the immediate unfreezing and closure of my account. I expect the full balance to be returned to me promptly. 

Please consider this matter with the utmost urgency and provide a resolution at your earliest convenience. If further verification is required, I am willing to provide alternative forms of identification or documentation that are acceptable within your verification policies.
Product: Mortgage

XXXX XXXX, XXXX I am writing a letter to file a complaint and stop any unwarranted foreclosure proceedings with Bank of America. Bank of America provided me with an application for a Home Loan Modification. I wrote back XX/XX/XXXX that the bank needs to wait until I file my tax return that the bank requires in order to have a Home Loan Modification. 

I received a letter on XXXX indicated that I was denied, because I was not employed. The information that was evaluated was XX/XX/XXXX ( prior information ). 
I am employed and I wanted a home loan modification. 
Then afterwards I received a slew of follow up letters of foreclosure proceedings. I thought this Bank would clean itself up. However, it is clear that Bank is causing problems. 
I get a statement of what I owe, which is totally inaccurate when I am making my payments. My property taxes have been paid as well. 

I am requesting an investigation and restitution, because Bank of America Does not want to follow any guidelines. I am also asking that the bank will Stop all foreclosure proceedings until my application is complete this month. 

I appreciate your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Product: Mortgage

XX/XX/XXXX : Sent contract to Loan Officer XXXX XXXX. Asked to apply for Conventional Loan. XXXX advised that XXXX qualifies for FHA loan and we should try that first because of lower closing costs, lower interest, lower monthly payment. 
XX/XX/XXXX : XXXX collects {$350.00} for appraisal fee. I request to put a rush. He agrees. 
XX/XX/XXXX : Still no call from appraiser. I escalate the request ; no call back from supervisor. 
XX/XX/XXXX : Processor is waiting for FHA addendum before ordering appraisal. I provide it upon request. 
XX/XX/XXXX : inquire if appraisal has been ordered. XXXX XXXX Loan Processor says there is an existing FHA case number with XXXX XXXX XXXX that needs to be transferred to Key. 
XX/XX/XXXX : no response from Key ; I request to cancel the application and refund appraisal fee. Supervisor XXXX XXXX reassigns the case to a Senior Processor XXXX XXXX, and puts a rush on the file. She explains that they must use the appraisal from the last FHA case. They overnight the {$350.00} to XXXX XXXX XXXX. The appraisal comes in a week later. XXXX agrees to issue a conditional commitment contingent on the appraisal as all other conditions have been met. 
XX/XX/XXXX : XXXX XXXX asks for college transcripts, letter of good standing with XXXX XXXX. Knowing he has a 1-year work history and was a XXXX XXXX XXXX in XX/XX/XXXX, ( which would disqualify the borrower from FHA ), she confirms the check was sent to XXXX XXXX XXXX. 
XX/XX/XXXX : The FHA loan is declined because the borrower does not have a 2-year work history. XXXX works to convert to conventional loan. XXXX tells me there will not be another appraisal fee. 
XX/XX/XXXX : The appraisal is put out to bid. No updates on appraisal for a week. 
XX/XX/XXXX : A third manager gets involved and tells me the file was not in " rugh '' status until she just became involved. 
XX/XX/XXXX : We are informed that XXXX XXXX put a hold on the appraisal on XX/XX/XXXX due to lack of payment, but she did not inform anyone. I am told by XXXX XXXX that the loan is at a standstill until the borrower send another {$350.00} to Key. 

We have obtained 3 mortgage contingency extensions. The seller is no longer willing to wait. Key Bank is not processing the loan. 

I asked Key if all the other conditions are met satisfactorily before sending additional funds. No response.
Product: Checking or savings account

I tried creating an account with Betterment but their automated systems had some sort of failure and required some additional steps to be taken by me. I did not want to go through the manual steps with them so I asked them to delete my information from their systems as per the rights granted to me by California Consumer Privacy Act ( CCPA ) as a CA resident. 

They claimed that they will retain my information because of Gramm Leach Bliley Act because I had a financial account with them. Their own website did not list any accounts in the portal so I wanted to get my account number. But they refused to share it with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account currently shows I was in a Collection/Negative status for the months of XXXX and XXXX of XXXX. My account has been refinanced and paid/closed since XXXX.