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 systemic 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. 

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic 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 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

Re : Request to Remove Collection and Update Credit Report Dear Sir/Madam, I am writing to formally request the removal of the collection account associated with [ Account Number XXXX ] from my credit report. I have previously requested the necessary documentation for this account, but I have yet to receive any proper paperwork or validation of the debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive verification of this debt. Section 809 of the FDCPA requires that within five days of the initial communication, the debt collector must send written verification of the debt if requested. Since I have not received this documentation, I am requesting that you immediately remove this collection account from my credit report. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies on my credit report, and you are required to provide documentation or proof of the debt in order to validate the accuracy of the reported information. As I have not received the requested documentation within the allotted time frame, I request that this account be removed from my credit file. 

Please confirm in writing that my credit report has been updated to reflect this removal. 

If you fail to provide the requested documentation within 15 days from the date of this letter, I expect the account to be removed from my credit report and the matter to be considered closed. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that this issue has been resolved.
Product: Credit card

I have an Apple Card which I mainly got because it has a virtual card feature which I love for cases where I have to enter a credit card for online purchases. It provides additional security and allows me to not worry in case a merchant gets hacked or the virtual card number is acquired. I simply have to change the virtual card number. 

I recently learned of the Automatic Billing Updater through a XXXX XXXX XXXX article - XXXX XXXX XXXXXXXX? XXXX XXXX XXXX. Even with virtual cards, apple still updates credit card number in areas where the card has been used. 

This is a problem if you are trying to prevent your card from being used in a fraudulent manner. I reached out to goldman sachs - the underlying banl for apple card- and they said they do not support opting out of the ABU. Shouldnt issuers support this by default? Other banks support this feature. 

So my complaint is that GS/Apple Card do not give customers any way to opt out of XXXX and to protect themselves from fraudulent situations.
Product: Mortgage

XXXX XXXX and XXXX XXXX, Essex Mortgage, Loan # XXXX, I am writing on behalf of my mother XXXX XXXX I handle all of her affairs. The property XXXX XXXX was acquired on XX/XX/2021, with a mortgage amount of {$1300.00}. I have been making the payments before the due date since purchasing the home. In XX/XX/2021, we received a letter from Essex Mortgage stating that they could not reach the insurance company that we used to purchase the home the letter informed us that if they did not receive the information they would purchase a second homeowner 's insurance policy if they did not receive it. I reached out to the same company they could not reach on XX/XX/2021 ( I have email proof ), and was emailed the entire insurance packet. Their letter stated to upload the documents to their insurance website which I did. I also spoke to someone regarding the situation. A few months later I was going through the escrow account and saw where they decided to take my money and purchase second insurance because they didn't have the time to verify it so they decided to put her in financial hardship. Once I noticed this I immediately got on the phone and called them. I spent 1 hour of my work time trying to do their job and get in contact with the insurance company which we did, and which brings us to another issue from the decision they decided to make. My mortgage for the month of XXXX is {$1800.00} which I found out by trying to make my regular payment of XXXX which I can afford to pay. I called them again today, and I was told the refund from the insurance payment came in late which is affecting XXXX 's payment. I asked them to correct the payment because we should not be having this issue in the first place had everyone done their job. I do mines by sending on-time monthly payments it's their job to disburse the funds correctly and timely. They want me to make a payment I do not owe to them and should not owe them. They owe me for the year headache I have had with them. This is not my first mortgage I had one for 19 years prior to this. I'm asking them tofix my payment accordingly so that I wont be late or end up in foreclosure do to know fault of my own, please not that I have the regular payment today of {$1300.00}
Product: Credit reporting

Opening XXXX and Trans Union, I had several credit based questions. 
Mainly about a mortgage I Oobtained from a bank that ( I am obviously answering this question incorrectly. In addition to a phone number ... 
I appreciate the security, but I am amazed, that I am unable to obtain my information, about myself..and possible errors created fictiously. 
There is an apparent glitch in this program when it is not programmed to adjust questions accordingly.. I would appreciate any help to freeze my accounts due to the refusal of allowing ME access to MY accounts.. I would like to obtain XXXX credit reports for free Also. I noticed that a credit report advertised, is XXXX. I thought they were free.. 
Please & elp me out here, I appreciate your helpfulness.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXXat XXXX i check my credit score an notice HARD Inquiry details from XXXX there is an hard inquiry from XX/XX/XXXX that i did not consent to nor was acknowledge of being on my credit an would like this removed. I did not an never consent contract or gave permission for my credit too be ran for a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me : EQUIFAX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX At no time did I give them permission to inquiry about my credit status from these companies, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights. Please delete this misleading information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to deliberately report incorrect and inaccurate information even after the creditor XXXX XXXX XXXX XXXX has fixed the issue and sent me correspondence to that effect months ago. The account was not late 30 days in XX/XX/2022 yet TransUnion continues to error this. It needs to be corrected immediately. TransUnion is the only bureau persisting in reporting this erroneous information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX violated my rights.

15 U.S.C. 1681 section 602 A. States that I have a 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. 
This company has not validate any debt.
Product: Mortgage

I submitted a very large payment to Pennymac by overnight mail. The tracking indicates it was received on XX/XX/19 at XXXX XX/XX/XXXXand signed for. Now it is 5 days later and they tell me they can't find the payment and that I should give them another 5 days to locate it. The payment was a VERY large amount, paid to their billing address with a cashiers check made out to Pennymac.
Product: Credit reporting, credit repair services, or other personal consumer reports

To date, I, a qualified consumer in/from New York state , due to new discovery ; I am an injured party/woman that has been and is being damaged by XXXX XXXX XXXXXXXX XXXX XXXX XXXX listing inaccurate information on my credit reports containing erroneous school loan debts amounting to {$50000.00} ; It is my understanding XXXX  has entered into a CONSENT JUDGMENT with the United States Courts, and agreed to cooperate with the Signatory Attorneys Generals, New York Attorney General being one of them. ( My state ) ;
Product: Debt collection

They have stalked me and my wife multiple times and have called and harassed me and threatened my life. I would like to report them as there tactics are not ok. They need to stop harrassing me and my family.
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to formally lodge a complaint regarding a XXXX XXXX XXXX ( XXXX : XXXX ) that I purchased from XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, on XX/XX/XXXX. The vehicle was financed through XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I provided a down payment of {$6100.00} and financed the balance of {$14000.00}, making the total purchase price {$17000.00}. 

Upon my arrival at the dealership, I inspected and test-drove the vehicle. During this process, I inquired about the vehicles accident history, mileage, and the condition of its airbags. Despite the car having a salvage/rebuilt title, I was explicitly reassured by the sales representative that the airbags were intact. Based on these reassurances, I decided to proceed with the purchase. 

After taking possession of the vehicle and driving it home, my family members strongly advised me to have the vehicle thoroughly inspected. To my utter shock and dismay, the diagnostic report revealed that the vehicle does not contain any airbags. This finding is in direct contradiction to the assurances provided by the sales representative during the sale process. 

This situation is extremely distressing and unacceptable, as the absence of airbags significantly compromises the safety of the vehicle and its occupants. I feel deceived and misled, as the information provided to me was a critical factor in my decision to purchase this car. 

Given the severity of this issue, I am requesting the following actions be taken immediately : A Full Investigation : An investigation into the practices of XXXX XXXX XXXX XXXX XXXX to determine if there have been other similar instances of misrepresentation. 
Sanctions and Penalties : Appropriate sanctions and penalties against the dealership for fraudulent misrepresentation and compromising customer safety. 
Consumer Protection : Steps to ensure that other consumers are not subjected to similar deceptive practices. 
I have also contacted XXXX XXXX XXXX XXXX XXXX directly to request a full refund of the purchase price, reimbursement for the diagnostic inspection costs, and a thorough investigation into the conduct of the sales representative. 

I trust that the Florida Department of Highway Safety and Motor Vehicles will treat this complaint with the seriousness it deserves and take swift action to address this matter. Please contact me at [ your phone number ] or via email at [ your email address ] if you require any further information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681 ( 2 ) " the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding three student loan accounts with XXXX that are incorrectly reporting a 90-day late payment for XX/XX/XXXX. Despite sending seven dispute letters over the past seven months, there has been no resolution, nor has any verification method been provided. 

The accounts in question are as follows : Account Number : XXXX Date Opened : XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account XXXX Date Opened : XX/XX/XXXX There are no prior late payments on these accounts, making the 90-day late report inaccurate and in violation of the FCRA. This error has caused me considerable hardship, and I am prepared to seek litigation if it is not corrected immediately. 

Please find attached my notarized affidavit and original dispute letter with date and time stamps.
Product: Credit reporting or other personal consumer reports

It has come to my attention that despite my consistent attempts to resolve this issue, the fraudulent items remain unchanged on my credit file. These inaccuracies not only damage my creditworthiness but also pose a serious threat to my financial stability and reputation. 

Despite repeated efforts to dispute and remove these fraudulent items, they persist, causing significant distress and detriment to my financial well-being. 

I implore you to conduct a thorough investigation into the fraudulent items on my credit file and take immediate action to rectify this matter. It is imperative that these inaccuracies are promptly removed to restore the integrity of my credit history and prevent further harm to my financial standing. 

Furthermore, I demand compensation for the undue stress, time, and resources expended in attempting to resolve this issue over XXXX attempts. Your failure to address this matter adequately reflects poorly on your commitment to consumer rights and protection. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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
Product: Debt collection

My credit card information from American Express was stolen in XXXX XXXX. I resolved the issue through the legal department of AE. They redacted all bad credit reports, admitted it was fraud and covered it under my fraud insurance and said it was resolved. 

Since that time I have had 5-10 phone calls every day from collection agencies. Anything from messages telling me " the police were coming for me for not paying my bills '' to the " IRS is going to put a lein on my wages. '' I have told the people who call to leave me alone and stop calling. I have texted them. I continue to block the phone calls but it is not stopping. They are harassing me and I would hope you could help me stop the harassment. Enough is enough. 

Some of the phone numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and about 200 more numbers ...
Product: Mortgage

In XX/XX/XXXX, I submitted a request to have PMI removed from my loan. At that time, the bank representative stated to qualify I need to make principle payments. I sent 2 additional principle Check XXXX {$2500.00} check date XX/XX/XXXX Check XXXX {$200.00} Check date XX/XX/XXXX My current LTV is 75 % ( Below the 78 % automated termination requirement ). I have XXXX credit, Payments are auto withdrawn from my account, no missed payments, & have equity in the property. My PMI payment is {$23.00} ( like to keep things in prospective ). 
I have asked NewRez mortgage ( Shellpoint ) to escalate my request to remove PMI for my loan. I keep getting letters indicating I have to pay {$150.00}, {$400.00}, {$500.00} to get PMI removed. They also said PMI termination is based solely on the original amortization of the loan and I am not scheduled for termination until XXXX? 

Thank You!
Product: Credit reporting

My capital one credit card ( ending in XXXX ) statement balance was due on XXXX/XXXX/15. I paid on XXXX/XXXX/15 - 6 days late. Capital One is now reporting to the credit bureaus that I was 30 days late with the XXXX 2015 payment. This is cruel business practice. They refunded the late charge but refuse to adjust their reporting to the XXXX bureaus. I am applying for a mortgage and this is hurting my changes of obtaining one.
Product: Debt collection

This company is violating my consumer rights! Not properly licensed to collect.
Product: Student loan

FedLoan Servicing keeps sending default notices to me as " endorser ; '' but I have no record of endorsing any student loans. My daughter will not talk to us about it ; so I 've had my attorney send letters ( only allowed to fax ) to FedLoan Servicing asking for proof of endorsement, i.e., copies of signed endorsements of the loan documents. We just get more newly printed summaries ; but no proof of endorsements. To add insult to injury, FedLoan Servicing has reported late payments on the loans to the major credit agencies, which has ruined our credit. We 've tried talking to FedLoan Servicing ; but they say that they will only talk to the student borrower. We 've sent letters to FedLoan Servicing begging them to call us ; but to no avail. Short of legal action, what is one to do?
Product: Credit reporting or other personal consumer reports

I am filing this complaint against equifax and transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax and XXXX consistently responds within 24 hours stating the account accurate, without providing any evidence of a through investigation. The practice violates the Fair Credit reporting Act, 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. 

XXXX XXXX is the account in question.
Product: Credit card or prepaid card

I disputed Fraudulent charges on my Capitolone card on XX/XX/XXXX that occurred on XX/XX/XXXX. 
Capitolone reversed one, the {$1800.00} plus charge but after their investigation said I was liable for the second which was a cash advance for {$400.00} .Three days ago I received a suspicious and threatening email saying person had my password, personell info., ect..and infected my computer with Malware and demanding another " {$400.00} '' in XXXX I have filed a police report and fraud alert with XXXX. 
I am asking Capitolone to reopen the investigation in light that my identity has been hacked and the possibility that safeguards at the ATM where the {$400.00} cash advance was taken might have been compromised and no protection for me from fraud. 
A Certified letter was sent Capitolone requesting this. 
Lastly, I am asking that the XXXX due date be forestalled in that I had a XXXX balance before the fraudulent {$400.00} was added to my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 My addresses XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any account s Credit Inquiries Credit Inquiries- Summary XXXX XXXX Experian XX/XX/XXXX Experian Business Cred 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 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 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Lexis Nexis multiple times in an attempt to receive my consumer report online and via mail. Every attempt that demonstrated a form of " stalling '' meaning they are very reluctant to handle my request. I find it very deceptive and inconvenient. When I opted out, they did not hesitate to allow it. Yet, when I want my credit report from them, they show attempts to disregard the law. 

In their letter to me they ask me to provide additional documents and then at the very bottom of the letter they say that the following additional documents are not required. Why are they playing games with me? Why are they denying my request to receive my credit report. 

My name was part of a XXXX breach so I want to ensure that nothing fraudulent has occurred in that very file.