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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute Illegal Re-Aging & Inaccurate Reporting of SELF Secured Personal Loan Account To Whom It May Concern, I am formally disputing the inaccurate and unlawful reporting of my XXXX  Secured Personal Loan account on my Experian credit report. This account was charged off in XX/XX/XXXX, yet it has been illegally re-aged multiple times, with additional derogatory remarks being added post-charge-off, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Here is a breakdown of Experians blatant mishandling of this account : XX/XX/XXXX : Initial charge-off reported. 
XX/XX/XXXX : A second charge-off status was added ( impossible and illegal ). 
XX/XX/XXXX : A 150 days past due status was added to an already twice-charged-off account ( which is not only inaccurate but fraudulent ). 

Let me be clear : a charge-off means no further payments are due, and a creditor can not continue reporting additional late payments or new charge-off statuses. This is a clear violation of 15 U.S. Code 1681s-2 ( FCRA ), which prohibits furnishers from reporting inaccurate or misleading information. Additionally, this conduct constitutes unfair and deceptive trade practices under 15 U.S. Code 45 ( FTC Act ).

Experian has already investigated this account multiple times, yet you have failed to correct this clear violation of my rights. Your failure to conduct a reasonable and thorough investigation, as required under 15 U.S. Code 1681i, has caused irreparable damage to my credit profile, affecting my ability to secure financial opportunities. The time and effort I have spent correcting this reckless inaccuracy is beyond repair. 

Given Experians ongoing litigation for mishandling consumer data, I demand immediate deletion of this account from my credit file. Failure to comply within 30 days will result in legal action against Experian for willful noncompliance under 15 U.S. Code 1681n, where I will seek statutory, actual, and punitive damages for the harm caused to my credit and reputation. 

This is my final notice. I expect written confirmation of deletion. If not, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office for further legal action. 

Attached, you will find a copy of my credit report highlighting the disputed account and supporting documentation. 

Sincerely, XXXX XXXX XXXX, trustee [ Attachments : Credit Report Excerpt, Supporting Documents ]
Product: Credit card

Bank of America issued EDD debit cards which accepted weekly XXXX  during XXXX, In XX/XX/2024, we were notified end of month cards would be closed. I had filed a dispute, claim # above, in amount of {$31.00}, Company called INFORMED DECISIONS CHARGED MY DEBIT CARD A {$31.00} FEE TO USE THE CARD. This is PROHIBITED under the XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. Bank has denied my claim for reimbursement TWICE. Bank claims no evidence supports a billing error. Wrote to CEO XXXX XXXX telling him its illegal to charge a service fee for a DEBIT card. He forwarded letter to dispute and TWICE DISPUTE REFUSES TO GIVE ME BACK THE {$31.00}. I've sent dispute paperwork showing the law, and they still refuse to send me a check for {$31.00}. Debit cards are now closed, so a check will have to be issued. The owner of Informed Decisions was told it was illegal and he said it wasn't. My daughter told him her MOTHER and FATHER both retired form the XXXX XXXXXXXX XXXX XXXX, and IT IS A VIOLATION OF THE LAW. The bank and owner of business XXXX XXXX. THEY REFUSE TO ISSUE ME A {$31.00} REFUND. My next option would be to have bank investigated by STATE ATTY GENERALS OFFICE. I AM XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I have tried repeatedly to have these medical Bill 's removed from my credit. Multiple times I've been contacted and threatened to have my credit damage unless I paid the Bill 's. I am a XXXX   veteran and Medicaid paid the Bill 's. Also the va made a payment but they still refuse to remove the medical Bill 's from my credit.
Product: Checking or savings account

I opened a Citibank account due to a separation. I am a first responder, and needed a bank that was convenient to my headquarters. I tried to transfer {$180.00} and some change and didnt realize their format automatically put in a comma instead of a decimal point, so I accidentally tried to transfer {$18000.00} from my old bank account. My account then showed as - {$18000.00}! I called them right away and explained it was a typo. They told me it was pending and would take a few days. Come XXXX, I deposited my paycheck into another checking account because the one I opened still showed as being $ XXXX. I deposited a check of almost {$1700.00}. I chatted online with customer support about the issue. And the next day it said account blocked. The department who could fix it was not there on weekends. I finally got a hold of someone today who explained that they closed the account and I would receive a letter explaining why within 30-60 days, and I would also get my funds via check in 60-90 days. I dont have any money other than whats in my Citibank accounts. And I have to pay rent and take care of kids and pets and bills. Can you please help me get my money out of those account ASAP. I read quite a few horror stories on XXXX about the same thing happening with new account holders and the OCC and CFPB got brought up a lot for being able to help out. Thank you so much
Product: Credit reporting or other personal consumer reports

I FILED A DISPUTE ON XXXX ACCOUNT # XXXX DUE TO THE DATA BREACH. THE ACCOUNT WAS SUCCESFULLY REMOVED IN XXXX. HOWEVER THE ACCOUNT HAS SINCE REAPPEARED AND EXPERIAN DENIED A FOLLOW UP INVESTIGATION. I HAVE CALLED ALMOST 100 TIMES OVER THE LAST WEEK AND I CAN NOT GET PAST THE AUTOMATED SYSTEM. I HAVE NOT BEEN ABLE TO SPEAK WITH A LIVE AGENT SINCE BEING NOTIFIED THAT THE CFPB HAS FILED A LAWSUIT AGAINST EXPERIAN. THEY ALLEGED THE COMPANY OF ACCEPTING UNRELIABLE INFORMATION, FAILURE TO NOTIFY CONSUMER DISPUTE RESULTS. THIS ALIGNS WELL WITH MY SITUATION. EXPERIAN HAS NOT ATTEMPTED TO REMOVE OR CORRECT ANY INFORMATION. THIS DEROGATORY REMARK IS AFFECTING MY CHANCES OF GETTING A HOUSE. EXPERIAN VIOLATES MY RIGHTS AS A CONSUMER, AS WELL AS FEDERAL AND FCRA LAWS.

Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion.
Product: Debt collection

This collection agency is reporting an alleged debt to XXXX XXXX XXXX to the credit bureaus, however the collection agency is not licensed to collect debts in NC. They are illegally attempting to collect a debt and I dont owe the balance they are reporting.
Product: Credit reporting or other personal consumer reports

I notified the XXXX, that I was a victim of XXXX  XXXX  and provided documentation of court order and attorney demand for action. I have ground and damages from this incorrect information being reported and considering a lawsuit. 
XXXX : XXXX XXXX XXXX XXXX, GA XXXX Experian : XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach in the attachments below.
Product: Credit card

I made a purchase on my Guitar Center Card which is Synchrony Bank to take advantage of rewards points and the financing if needed. It was a 6 month 0 % interest purchase. I had 2 other 48 month 0 % interest purchases on that card. I contacted them and requested to specifically pay the most recent promotional 6 month 0 % interest purchase off. They said that was no problem and took my money. Instead of it being applied to the 6 month purchase it was applied to the older purchase on my account. I reached out to them and was told it would be corrected on the next billing cycle. That billing cycle happened and no change was made. I contacted them again and was told it would take 2 billing cycles. I requested a supervisor. The supervisor said it would be fixed in 72 hours or less. 72 hours came and passed and my account was not corrected. I contacted them again and was told it would take another 1-2 billing cycles or they could appropriate approximately {$260.00} of the {$270.00} as this months minimum payment has not been made yet. I said I made this payment after my last month 's payment which was more than what my minimum was. He said he could not override the system, that I should wait another 72 hours to 2 billing cycles. This is the 2nd time this company has pulled this with me. They are blatantly attempting to push people to default on promotional purchases to end up having to pay extortionist level interest rates. Synchrony is a dirty company and their staff lie like a rug.
Product: Student loan

NELNET : Please credit my account {$650.00} for your mistake or backdate my two loans that are yet to be placed in XXXX. 

In XXXX, Nelnet confirmed my loans had been moved over to XXXX. I confirmed this change. In XXXX, I logged in to find two of my loans, for {$41000.00} had not been moved to XXXX  and my account was past due for {$460.00}. Nelnet advised me this was because of a technical issue, whereby two loans that were in forbearance were not included in my original XXXX application. Thus, the date of my " application '' for these two loans to move to XXXX  is XX/XX/XXXX. Nelnet advised me standard processing times are XXXX weeks for XXXX applications. 

With this XXXX delay I will accumulate {$650.00} in extra, unexpected interest cost. I can not pay this extra amount as I did not plan for this extra burden, nor think it is ethical, fair, or reasonable to absorb a cost for Nelnet 's mistake and failure to notify me : Loan XXXX  5.28 % {$20000.00} XXXX XXXX XXXX  delay = {$290.00} Loan XXXX 6.54 % {$20000.00} XXXX XXXX XXXX delay = {$350.00} Total mistake cost to me : {$650.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX ( XXXX ) XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Goodwill Request for Late Payment Removal Account Number : XXXX Dear XXXX XXXX Support Team, I hope this letter finds you well. I am writing regarding my account number XXXX, which I have maintained with XXXX XXXX since XX/XX/XXXX. Upon reviewing my credit report, I noticed a late payment recorded in XX/XX/XXXX. 

I take full responsibility for the missed payment, which was due to [ briefly explain the circumstances, e.g., an unexpected financial hardship or a temporary oversight ]. Since then, I have ensured that my account remains in good standing and have consistently made timely payments. 

Given my history with XXXX XXXX and the isolated nature of this incident, I respectfully request that you consider removing the late payment from my credit report as a goodwill gesture. This would be extremely helpful to me as I work to improve my credit profile and achieve my financial goals. 

Thank you for considering this request. I truly value my relationship with XXXX XXXX and look forward to continuing as a responsible customer. Please feel free to contact me at XXXX or via email at XXXX if you need further information. 

Sincerely, XXXX XXXX
Product: Mortgage

Owned property located at XXXX XXXX XXXX XXXX, XXXX WA XXXX. XXXX XXXX was also a register co-owner register with XXXX XXXX WA. 
XXXX XXXX had a XXXX Attorney Chapter XXXX, this was my only debt. I had my pay garnished for two years, they made the payments and took more, when all of a sudden they dismissed the Chapter XXXX. 
XXXX XXXX started to make mortgage payments, all. UNFORTUNATELY the company, OCWEN Financial placed in a separate account, unknown reason. Regardless we hired another attorney, Florida Attorney, XXXX XXXX, charging us {$1500.00} for four month in a row. 
Finding all of this too much to deal with and getting no protection from anyone, we decided to make a move back to our family in XXXX XXXX, we purchased another home and moved out of the XXXX XXXX. We were contact prior to move by a neighbor who had a friend who dealt with real estate. We asked this person to deal with the house. 
We received a notification from OCWEN that the house mortgage was paid in full, and thanking me for my payment. WE KNEW NOTHING ABOUT A SELL, COULD NOT REACH OUT TO ANYONE for information. Now we find out that the house is FOR SALE at {$400000.00} which is its true value, We want to know what or when do we receive the monies outstanding due to us above our mortgage. 
There is something shady out here and we need to know information., We appreciate your time and consideration regarding this matter. We have never received any NOTICE, letters from OCWEN, and any CREDIT ding for late payments. We have emails from the Mortgage holder as late as XXXX stating all is fine. They went paperless but that does not STOP THE FORMAL PROCESS OF ANY FORCLOSURE, we have never received any notification and our location is noticed with the XXXX and others. 

Thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A 60 day late from XXXX XXXX appeared and an incorrect balance appeared. Ive spoken with XXXX me, they lowered my payments and I have made payments every month. I contacted them and was told that there was a system glitch for the negative 69 day reporting and the incorrect balance. I need this corrected and removed and reflecting my correct balance. I just received a statement from XXXX XXXX that I owed XXXX dollars.
Product: Credit card

Check out Store clerk at TJ Maxx, told me she was opening a loyalty account and instead opened a credit card ( I repeatedly told her I do not want a credit card and she told me it is not a credit card, she also distracted me through out the process ).
Product: Credit reporting or other personal consumer reports

In accordance with 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 : DPT EDXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recurve a copy of my credit report.. I am concerned about the infirmary being reported. Please investigate the following accounts, because I do not believe the information to be accurate. Please remove the inaccurate information from my credit report. NCA. Last for digits of ss # is XXXX I didn't open this account that is in direction violation of 12 CFR 1006. 34C ... 12 CFR 1006.6C.. 15 US 1682 e ( b ).. US 15 1681s- ( 2 ) A According to the FCRA , accounts that have been disputed by the consumer, must be noted as such. I have repeatedly stated that this account was opened up fraudulently. Your failure to investigate this account, and notate it as such is in violation of the FAIR CREDIT REPORTING ACT! please remove it Immediately from all three credit bureaus!
Product: Checking or savings account

I closed my account with Chase one year ago because I live overseas. I was a Chase customer for 20 years. I asked for wire transfer to another XXXXXXXX XXXX  account. Instead, Chase sent a check to my mother. My mother sent me the check and I endorsed it. Then I sent the check to my new bank in the US, but this bank only accepts wire transfers and the check was destroyed. Then I asked Chase for a new check. That was 6 months ago. Then Chase sent me forms to be notarized which I sent back. I called Chase 2 weeks ago and they said they need to investigate my identity and needed to call me back. I gave them my phone number and never got a call back. I called back today and no case officer had been assigned to me. I have been waiting for one whole year for my funds. I am shocked that Chase would settle accounts using a risky method like a paper check. Chase has made no effort to reach out to me. Even if I get a check, it will take me weeks to get it into another account. 

Account : XXXX XXXX Amount : USD XXXX Case Number XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Credit Act XXXX  Account ( XXXX ) XXXX XXXX XXXX XXXX  XXXX ; XXXX/Dept of ED-ACCT # ( N/A ) ; XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights : 15 USC 1681 Section 602A states " I Have a Right To Privacy '' 15 USC 1681 Section 604 A/Section 2 also states " Consumer Reporting Agency can NOT furnish my account without my " written instructions ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report 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

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Checking or savings account

This is the second or 3 time that I have noticed my account was overdrawn by chase because apparently my account and a business account are very similar, so when the business writes out checks it comes out of my account, this time the amount was for XXXX dollars which left me with no money over the weekend to provide for my kids! And they refuse to put the money back into my account right away.
Product: Mortgage

I have tried multiple times to figure out why the business claims that I have missed a mortgage payment, but no one at the business has provided information on what monthly payment was missed and where my payment went. I have sent in my bank statements with the corresponding statements, showing proof that I have made all payments due ( to current ) and no one has resolved this issue or will call me back with answers. They continue to respond leaving my the same contact information that leads nowhere. The same issue occurred last year and the resolve ended up with the business owing me money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my bill from XXXX  and notice my credit score had drop by XXXX points, so I called XXXX and they told that, I have a charge off on my credit report. I explained to them that this was not my account and disputed with them twice and they come back to me with the same results. The information that the company reported is accurate and the item will not change as a result. I also called the company ( Acima Digital FKA Simple ) and spoke to them about this. However, they wanted my information so they could pulled up the account. I only gave them my name because if I would have gave any of my information they would have attached to the account. They told me that leased some stuff from them and gave my the address in which I never lived. The address is XXXX XXXX XXXX, XXXX NY XXXX. I've never lived in New York and never heard of this company, as I explain this to XXXX who has all my important information and told me I need some kind of paper work to prove that this is not my account. How can I have any paper work from a company I never did business with or never heard of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed on my credit report by XXXX XXXX on my Experian credit file. This account was already paid in full before the closing of this account. This account was still written off and placed in a charge off status. Theres no money owed and the balanced needs to be updated as Paid in full and account is closed. All prior months payment were paid on time. I am requesting for this account to be completely modified and updated or deleted. This is significantly damaging my credit score and is not acceptable. There is no monthly payment or balance for this account. This account was opened in XXXX and should remain on file until XXXX. There should be no further updates by the furnisher on this closed and written off account as this is fraudulent activity.
Product: Checking or savings account

I mailed a personal check for $ XXXXfrom my Truist account to our contractor, XXXX  XXXX XXXX XXXX XXXX XX/XX/2022, at the XXXX XXXX XXXX XXXX GA ) post office. The check never arrived to the contractors office so I checked my account on-line to find that the check had been stolen and cashed by XXXX XXXX XXXXXXXX XXXX This name was handwritten on the check over the " erased '' payee to whom I wrote the check. I contacted Truist immediately and a fraud claim was issued. I have the claim number if you need it. That was issued on XX/XX/2022. Since that time, I have contacted Trusit several times to find that no one has yet looked at my claim. This morning was the last time I called them. I am now in need of help dealing with this bank. 
I have also filed a report with the XXXX XXXX XXXX.