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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXXXXXX, California XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit card

I had fraudulent charges in my bank account totaling in excess of {$23000.00}. I explained this to my bank Capital One bank. The charges are all from a company called XXXX which they informed me is a trading company. I did not approve this account and they have no information where I signed any paperwork indicating that I opened an account with them. I told my bank Capital One that I lost my wallet in the summer of 2015. I did not say this is the cause of the fraudulent activity, I do n't know how they got my information and assume it was through some form of internet hacking or it could be someone who has my information. Although Capital One bank has not decided as to whether they will give me credit for this money, I need help as to getting a fair process as they sound a bit accusatory when I spoke to them on the phone.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, AL, XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXX  XXXX, AL, XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to report this credit reporting agency 's violation of the FCRA. On my last letter I faxed to them last XX/XX/2018, Listed several accounts including 1. XXXX XXXX XXXX Ref # XXXX and 2. XXXX XXXX Ref # XXXX to be investigated and these items doesn't seem to be correct and valid. More than 30 days have past and nothing has been done. This credit reporting agency still reports incorrect information which continues to damage my credit. I have sent them another letter again today, XX/XX/2018 to request for copies of the document used to verify these pieces of information reported on my credit report, the name, address and phone number of the person who verified the information if, within 30 days I will not get a a proper and lawful response and action from this credit bureau, I will not hesitate to get a legal counsel involve.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX Account # XXXX  has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Resolution : Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Checking or savings account

Made deposit to cover transactions showed sufficient funds immediately after deposit. It was credited yet was charged an overdraft fee erroneously and it literally shows that had positive balance and the fee is what actually takes me negative. I have worked in banking XXXX yrs and am very proficient in such knowledge of processing ect.
Product: Debt collection

They keep making attempts to get ahold of me by different methods even though my debt is current with the original account holder. They call my personal number at least once a day and have called up to five times in one day. They have called family members even though I have never given them the right or even the information of that family member fishing for my information and saying that I am in default on a loan that is current. They call my job without permission and I have never given them the information for my work. They called my work number XXXX times in one day on a day that I was not working fishing for information.
Product: Student loan

On XX/XX/ I recieved notification from MOHELA that interest would accrue on my student loans while in administrative forbearance. However, I am enrolled in the XXXX  plan which is under court injunction at the moment and therefore in forced administrative forbearance. The policy ( which I have attached below ) is that interest should not accrue during this period of forbearance due to the court injunction. Thus, MOHELA is violating the court ruling and Dept of Education policy.
Product: Credit reporting or other personal consumer reports

Theres charges on my credit report from two credit cards and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I disputed them and Trans Union decided that they were legitimate so I asked them to tell me the process that they go through to decide whether the charges were legitimate and verify the debt and they told me they take up to 30 days which was not very informing, so I asked them what information they got that verified this debt was mine. They would not provide me with that. I asked them who they spoke to with the companies, they would not provide me with that, and they refuse to remove these charges off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my report in the mail and noticed multiple inaccuracies. I have disputed this account ( XXXX XXXX XXXX XXXX ) time and time again. I have advised them that the account is reporting inaccurately. The account is reporting inaccurate amounts. The account balance has n't changed for 2 years when payments have been made monthly! i requested verification on how the company was verifying that the account is reporting accurately and Experian has not provided that information. And now the company has completed yet another fraudulent act they have changed the account balance from XXXX to XXXX. I have advised Experian over and over and have not received any relief for this account it needs to be removed from my credit report. it is reporting different information to each credit bureau which is a major violation. I have also disputed MULTIPLE times both XXXX XXXX XXXX  accounts ( XXXX ) the are reporting inaccurate payment history and also reporting different information to each credit bureau i also requested Experian to provided how they verified the account as reporting accurate and they have yet to provide that information.This account needs to be removed ASAP The next account is XXXX XXXX ( XXXX ) I have NEVER done business with this company. I have told Experian that multiple times and still they advise that the company has verified the account and i have requested proof of verification and i have not received that either. Also a closed account can not report as late!. This account needs to be removed ASAP
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent a letter to the credit bureaus requesting them to correct these accounts due to inaccurate, unverifiable information. On XX/XX/XXXX I received a letter stating that these accounts were verified. However, I sent a method of verification letter on XX/XX/XXXX and received a response letter on XX/XX/XXXX that did not indicate their procedural method of verification. Due to the fact that these accounts were not corrected, they violate FCRA and they are in violation of the law. 

These violations include but are not limited to : 15 U.S. Code 1681b 15 U.S. Code 1681o 15 U.S. Code 1681i ( 5 ) ( A ) 15 U.S. Code 1681g 15 U.S. Code 1681r 15 U.S. Code 1681q I am frustrated because these accounts that should have been removed are impacting my life.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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Product: Credit card

I had submitted a dispute with Capital One Bank about a {$21.00} Charge for XXXX I never received and how XXXX failed to correct the matter. XXXX issued a credit of {$21.00} to my credit card ( the correct amount charged to me ). Capital One Bank took back their temporary credit of {$21.00} XXXX OK ). Then Capital One Bank took back XXXX Credit of {$21.00} that they correctly gave to me and then issued me a credit of {$16.00}. Capital One Bank then pocketed {$5.00} of my credit XXXX charged me then credited me back with. XXXX had credited me a few months earlier with {$5.00} but failed to give me the other {$14.00} of a {$20.00} Gift Card that I had used. So now I am out the {$5.00} Capital One Bank took from me as well as the other {$14.00} of a {$20.00} Gift Card too.
Product: Checking or savings account

Wells Fargo has failed to properly investigate and resolve my claim for wire fraud. I was victim on fraud in the amount of {$18000.00} on XX/XX/2022 and reported it within minutes of it happening. They failed to recall the money until two days later, properly identify me, contact me for approval, provide any details on the investigation, return numerous calls and requests to speak with the investigator, provide rights to documentation after waiting the full 30 days to process, provide an IP Address from which the transfer was made and ultimately failed to provide proper security of my accounts. They did send a letter declining the claim but it was address to the wrong person and had several other errors on it. I do not believe this was handled correctly and wish to hold them responsible. I have spent the last five months trying to gain a proper resolution with them with absolutely no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy on XX/XX/XXXX and finalized it in XX/XX/XXXX. This information should not appear on my credit report as the Courts do not report this information. Please look into this and remove both derogatory marks from my credit reports. I have submitted several inquires and have been told the information is correct, but have not been provided proof.
Product: Mortgage

I have been attempting to do a modification with SPS..   I have a HUD  counselor I am working with, and this organization does not work with the counselor. I  have been told my application is incomplete, but the form on their website  XXXX   XXXX   XXXX  has only  XXXX  pages. I am told my form should be  XXXX  pages. I received a letter with the form and it had only  XXXX  pages. M y counselor has requested the form be faxed three times, and they refuse to send the correct form.    I am current on my mortgage, but my wife can no longer work, and we have less income.. It will be difficult for me to pay my mortgage going forward.   I have asked about the HARP, an d SPS  will not entertain a discussion about it.   This servicer is not doing their due diligence on my request for assistance.   I have explained their website has  XXXX  form and the form I was sent is missing sections. I was told the form is different for each person.. This can not be true.. as they will not fax the form in question
Product: Credit reporting, credit repair services, or other personal consumer reports

The was an illegal inquiry/pull of my credit report by XXXX XXXX in XXXX. Transunion and XXXX XXXX  are displaying illegal and allowing illegal use of my credit report. I don't have and never had account with XXXX  XXXX  or giving anyone permission to pull my credit report or put anything on it which is supported by attachments. Even after XXXX XXXX sent letters that acknowledged this transunion and XXXX XXXX continues to display illegal innacurrate information. Information remains on report in relation to illegal inquiry. Also XXXX  stated that I requested a fraud alert and also that they sent me a letter. That is absolutely false. I already had fraud alerts and blocks on my credit report because of fraudulent activity. They never sent me a letter, they just using that to cover there XXXX. All documents have been attached including XXXX acknowledgement of illegal account and the request to delete it from transunion XXXX, false statements made on behalf of XXXX  and fake letters they said they sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX in regards to a lien that was taken out on my car that was not taken out by me. I have disputed this information and I have tried to contact the company through the XXXX. This company has not responded back to me. I am requesting that the credit breaus take the information off of my credit report because this debt was a result of fruad. someone took a lien out on my car and my car was taken and these people are still showing a balance on my account. XXXX XXXX XXXX has not gotten back to me the two times I have contacted them in regards to this debt.
Product: Mortgage

Our earlier 2012 complaint ( Case number : XXXX ) needs to be reopened. Bank of America promised that we could lock our variable interest rate in at a fixed interest rate at any time in the future for our HELOC, but then they did n't abide by that promise. In settlement to the previous complaint, Bank of America promised to cancel/forgive the HELOC, but never did so. Bank of America weirdly asserts that it, without error, modified part of the main mortgage by combining it with the HELOC, however, Bank of America never reduced the mortgage by the amount of the HELOC when it purported to forgive that HELOC. 
See also outstanding complaints XXXX and XXXX. 
We are suffering real damages because of the mess this bank has put us in.
Product: Student loan

I attended XXXX University from XX/XX/XXXX-XX/XX/XXXX and graduated with a worthless bachelor degree that I have yet to use. As a matter of fact I had to return to college and pay out of pocket for a majority because my student loans were maxed out from XXXX University. This worthless degree cost close to seventy thousand dollars ( with interest ) and up until I returned to college to obtain my XXXX  I was not making anywhere near the amount that they wanted me to pay back for my loans. I barely had gas money let alone close to {$600.00} a month to pay back a loan for a degree that I can't even use. Any employer that I went to would laugh when I told them where I went to school and then proceeded to tell me that I was not qualified for the position. 

Now every month I receive a bill from Navient to repay my student loan. I am making {$300.00} a month payments and will be paying that for a good portion of the rest of my adult life. Apparently there was a law suit that I was not aware of charging XXXX with over charging students for worthless degrees. I have contacted the XXXX IA campus in the past to get nowhere. I even went to the campus to sell them back the books and they told me the books were worthless and that those books aren't even used in their curriculum. I was so proud of all the hard work that I had put into that degree only to get laughed at every time I applied for a job. Please do something about this fraudulent company who cares nothing about the students that have attended only about lining their own pockets. I am now $ XXXX in student loan debt. This reflects negatively every time I try to make a purchase. Its hard to get a credit card, buy a car, buy a house or even manage the finances with this much worthless debt hanging over my head.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was with XXXX auto insurance for more than 10 years. On or about XX/XX/XXXX, I switched carriers. Out of what appeared to be retaliation, XXXX suddenly reported information to Lexis Nexis that should not have been included on my report. This information included breakdown and tow truck charges from years prior that was suddenly listed in the claims section of my report. I have ( never ) been at fault for any accidents, but the " no faults '' were suddenly removed from those claims. The claims report also showed a pay out that I never received for a non fault accident that took place on XX/XX/XXXX. 
When I contacted XXXX, they would keep me on hold for more than an hour. Sometimes the representatives would even hang up without assisting me. Certain employees from the company would also give inaccurate statements to the Insurance Commissioner regarding my complaint. XXXX finally admitted fault and informed me and the commissioner that updates would be made on my Lexis Nexis report. 
I contacted Lexis Nexis numerous times. Their representatives would also hang up on me, or keep me on hold until I was forced to disconnect. Other representatives " claimed '' to not be able to identify me with the same information I had always given. It has been almost a year and I still haven't received an ( updated ) XXXX XXXX report. The agency verbally stated that changes were made but I still don't have any proof in hand that shows any corrections were made. After ten months of repeated requests, the agency is still furnishing old reports with errors.
Product: Student loan

Lender : Lendkey Loan # : XXXX These are formally federal student loans that were consolidated with a private lender ( XXXX ) for a lower interest rate. XXXX then sold the loan to LendKey. 

I have a fixed monthly payment, with a fixed interest rate, and I pay additional principal. 

The company has a random date on which they " accrue interest, '' and this date changes from month to month. There is no rhyme or reason or explanation from the lender on why it will fall on a certain date when compared to the last month. 

The issue is on some months for a billing cycle, the will charge 30 days worth or interest, and on the next month they will charge 33 days of interest. When they do this, less of your fixed payment goes to principal, and more goes to interest. The date of interest accrual can ranger anywhere from XXXX days from the last charge. 

The loan repayment in no way reflects other loans like a mortgage or a car, where the interest gradually goes down and the principal payment gradually moves up. It is variable and this most recent months ( XX/XX/XXXX ) interest is higher than the interest payment 6 months ago after a {$10000.00} reduction in principal. How is that possible? 

My previous interest payments and the date they " accrued '' for the last XXXX months are as follows ( this is included in my total payment for the month ) : XX/XX/XXXX {$380.00} XXXX/XXXX {$350.00} XXXX/XXXX {$360.00} XXXX {$390.00} XX/XX/XXXX {$370.00} XX/XX/XXXX {$360.00} The company is choosing a random date to charge you interest that is in their favor every month which leads to them charging more interest, and less of your payment going towards principal. 

No one over the phone can explain to me how this is possible. 

They will argue that there are XXXX or 31 days in each month, but they will also charge you XXXX days worth of interest at times.
Product: Credit reporting or other personal consumer reports

I recently filed a dispute with Experian for a XXXX XXXX account on my credit report. I have filed the same dispute several times without getting the error fixed. Experian does not and has not investigated my dispute properly several times. XXXX XXXX claims that I was 60 days late on my credit card payment, however, I showed Experian proof of my payments to them. If I made a payment in XX/XX/year> how could I be 60 days late in XXXX, that doesnt add up nor does it make sense. I expect Experian to be better than this. This is a violation of FCRA XXXX.