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

I am filing this complaint because Experian has failed to conduct a reasonable investigation into disputed information on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Experian regarding inaccurate items on my credit report. In my letter, I specifically requested detailed information on how Experian verified the disputed account, including : The date they contacted the creditor Contact information for the creditor Name of the person who verified the item Method of communication used to verify the information Whether the creditor provided my Social Security number, address, and date of birth for verification I included a copy of my proof of identification, my Social Security card, and a recent utility bill to verify my identity. However, on XX/XX/year>, I received a response from Experian via email stating that they would not process my request because it " didn't appear that you or a properly authorized third party sent it to us. '' This claim is incorrect, as I personally submitted the dispute with all necessary documents to confirm my identity. 
Under the FCRA, credit bureaus must conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any information in their credit file. Despite providing the required documentation, Experian refused to investigate my dispute, which constitutes a violation of my rights under the FCRA. 
The account I am disputing is my student loan account, DPT EDXXXX - XXXX. The credit report reflects late payments, which are incorrect because my loan was under forbearance during the period in question. As proof, I am including documentation showing that the account was in forbearance and should not have reported late payments on those dates. Experians refusal to investigate this matter and correct the inaccuracies is causing significant damage to my credit. 
I am including copies of the following documents : My original dispute letter sent to Experian. 
Experians response letter via email dated XX/XX/year>. 
Proof of forbearance for my student loan account ( DPT EDXXXX - XXXX ) for the dates in question
Product: Debt collection

No information is provided unless I release me social security which I am not as I owe or do not have ANY outstanding debts. I am in very good standing with all my accounts.
Product: Credit reporting

I cancelled my services in XXXX of 2015 for I believe credit monitoring services and Experian is still charging my accounts for " member services ''. I have asked them multiple times to cancel the accounts cease billing to my account. When I give either of them my credit card info they say they have " no active account on file associated with the credit card number or my social security number. '' They insist I give them the credit card number " associated with the account ''. I I have contacted my bank to resolve and they do n't have the old card information and I can only dispute transactions from the last 60 days. I have since the account was opened with there credit bureaus have definitely lost a couple cards and XXXX was involved in the XXXX breach, I no longer have these card numbers or know which one was used for the account. 
This lasts at time I called Experian who refused to help me with transactions saying they have no active account on file so there should n't be charges from them. I repeatedly offered her to email or fax the evidence of the charges from my bank statement and they refused them. They said would n't be able to help me without the old credit card account number. They refuse to take a dispute. I told them someone has take responsibility for the charges, by bank does n't have the old card information that was closed and they have overdrawn my account several times. Experian reps say they ca n't help and refused to take any information and redirected me to my bank ... which I called again and they still do n't have the card info. I have gone round and round between that bank and these XXXX agencies. I cancelled my accounts in XXXX and I am still being charged. No will help me and I am loosing money because of these charges. Someone please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a hard inquiry on my TransUnion account from XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, despite sending me an email on my account, could fine no information on an account for me. Since they had nothing, they could not issue the required letter to TransUnion to remove the hard inquiry from my account. i am attaching the inquiry showing on my credit report and the email from XXXX XXXX XXXXXXXX. I am amazed that a bank can send me an email but have no record of sending it or why the email was sent.
Product: Checking or savings account

On XX/XX/2022 a check that we mailed to our contractor in the amount of {$5000.00} was cashed at an unknown bank. The person cashing our check was not our contractor. When realizing someone stole this check we filed a complaint with out local police department and with Huntington Bank ( local branch ). 
We were told it could take up to 90 days to be resolved. The local bank told the police department that they will take care of things internally and they should not have to be involved. 
It is now over 90 days and all the local branch has told us is that the check was cashed at a XXXX XXXXXXXX XXXX  not endorsed and for us to be patient and things are getting resolved. 

Case number with the bank is XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/2017 an amount of XXXX was added to my credit report. This debt was sold to another company and they did not have a proper contract to charge me this debt at all. NO CONTRACT!!!
Product: Credit card

Dear XXXX or XXXX ; Seeing your recent reporting on Credit Card Reward Issues, it brought to mind the slow walking of XXXX XXXX XXXX miles from a deceased family member. 

My father passed in early XXXX of this year. On XX/XX/year> I uploaded my father 's XXXX XXXX and received no response. In late XXXX I again uploaded my father XXXX XXXX and the XXXX XXXX paper naming me as Executor of my fathers Will. Without a response again I called today XXXX XXXX, XXXX and was told there is a 180 day ( XXXX months ) waiting period before the Credit miles can be issued. 

I am at a loss as to why this would take so long. Simply considering and comparing that it took only a month at the longest to settle life insurance, financial joint accounts, bank accounts, XXXX accounts with the same paperwork given ~ Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for the inaccurate reporting of personal information on my credit report and their subsequent refusal to correct this information despite my efforts to dispute it. 

- Incorrect Information : 17 non-mailable, outdated addresses, 4 incorrect names, 1 spouse or co-applicant, 2 phone numbers, 1 former employer - Date Discovered XXXX XXXX XXXX XXXX  - Attempts to Correct : Phone call on XXXX XX/XX/2024 [ Representative named XXXX XXXX XXXX Experian 's Response : Representative refused to remove the non-mailable, outdated addresses stating that they were not inaccurate because they were previously used and it was Experian 's policy to continue reporting them. I cited the FCRA regarding reporting inaccurate information and he still refused to make the corrections. He refused to provide me with the company policy and refused to let me speak with a supervisor in order to clarify the company 's policy on reporting inaccuracies. 

Based on his response, i did not pursue the other inaccuracies listed above. 

I believe this inaccurate information has had a negative impact on my credit score which has hindered my ability to obtain further credit. 

I am seeking the CFPB 's assistance in ensuring that Experian : - Conducts a thorough investigation into the disputed information. 
- Corrects the inaccurate information immediately. 
- Provides me with a written confirmation of the corrections made. 
- Complies with the Fair Credit Reporting Act ( FCRA ) which requires the deletion of disputed, unverified information from consumer reports. 
- Provides a copy of their company policy to substantiate the representatives claims, as i believe such a policy would be in direct violation of the FCRA.
Product: Credit card

I have XXXX open credit cards with Capital One. They have been open for about 10 years. I have never had a late payment on either. I have been receiving annual fees on both of these cards. I decided to call Capital One to see if they could remove the Annual Fees. They refused. I then asked if I could at least combine the XXXX accounts into XXXX, and therefore only receive XXXX annual fee. They refused that as well. I asked if the only alternative they were giving me was to close the accounts and take a hit to my credit score, they confirmed that it was my choice. I have a credit score of XXXX ; I am a very responsible consumer. This is a good example of a very unfair and deceptive practice.
Product: Credit reporting or other personal consumer reports

It appears that FCRA XXXX obligates us to remove incorrect accounts from my credit report. Would you mind checking the documents? Some accounts are incorrectly listed, with inaccurate reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent to Experian, XXXX and XXXX the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. Experian keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that Experian is retailiating against me because I am a consumer in the class action lawsuit against the company. 15USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, acct # XXXX XXXX Bank XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) acct # XXXX XXXX XXXX, acct # XXXX in which has a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1692 section 805 A in which XXXX financial services and XXXX XXXX XXXX has violated my rights as well. 

ATTACHMENTS XXXX ( XXXX MB ) XXXX ( XXXX MB ) View full c
Product: Debt collection

To complaint XXXX, RPM General counsel XXXX XXXX wrote `` Upon receipt of this complaint, RPM contact XXXX XXXX XXXX XXXX XXXX, the current owner of the debt. XXXX XXXX advised a credit in the amount of {$3700.00} had been credited to the account. There remains a balance of {$120.00}. XXXX XXXX may contact RPM to resolve the remaining balance. XXXX XXXX General Counsel '' The response does not provide any context or evidence about the remaining debt, which is still unsubstantiated and does not match anything listed on any of the paperwork from the company that has ever been provided to me, nor is there any offer to send a receipt or explanation of the remaining balance. Clearly I will have to make another request to the attorney general 's office, another cfpb complaint and another certified mail. 

They have not provided any context or evidence or receipt or explanation of why there would be a remaining balance at all, and the remaining balance does not match any other provided figure in any of the documentation that the company has ever provided, not that there has ever been any communication about any debt ever either by XXXX XXXXXXXX XXXX or by XXXX. This is clearly a farce. 

They need to absolve the debt entirely, immediately. 

Please note that the address provided by RPM clearly has a typo in the name of the city, they listed XXXX XXXX, the correct name of the city is XXXX XXXX XXXX note that this address is also simply a virtual or fake because it is also listed for XXXX XXXX XXXX in XXXX XXXX Also note that in the documentation provided by rpm, the name of the creditor is either erroneous or has a typo, as it is listed as " XXXX XXXX XXXX XXXX, '', which is not even the name of the creditor that they claim to have the debt in, which does not even have an actual office and the office is actually occupied by a completely different and unrelated company. 

Again, this is so obviously a farce.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXXXXXX XXXX ....
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/21 I contacted the three major credit bureaus and notified them that I had several inquiries on my credit report that I did not notice or authorised. I called the credit agencies and requested that these inquiries be removed from my credit report and that a fraud alert be placed on my account. TransUnion did not remove any of the heart increase XXXX and XXXX only removed four to five of the inquiries.
Product: Mortgage

On XX/XX/XXXX I got my loan statement from Wells Fargo. There were charges added to my balance. two amounts one for XXXX and another for XXXX. I have no idea what these charges to my line of credit are for. 

I called Wells Fargo. The first guy I talked to said they show the earliest date is XX/XX/XXXX. He would not tell me what the charges are for. He forwarded me to someone else. I requested a copy of the charges itemized sent to me via email. He refused. He told me he could send it to a fax number that is no secure but could not send it to me at my home email address. I told him to remove the changes until they could tell me what they are for. I spoke to a third person. They also refused to tell me what the charges are for except that they are for XXXX taxes. My house is not worth that in taxes. I told them that I am working with the county on disputed taxes. But that my taxes are paid and I wanted to know what they charged my line of credit for. Again they refused the information. The first I have seen these charges or notified of these charges was when I saw them on my statement added into my mortgage. I have no idea what they are for. I told them that if my taxes are disputed surely they would contact me. The second guy told me that they have notified me multiple times ( which they have not done ) I said when they email me what the XXXX the charges are for to include copies of the notifications. Again they have refused.I was delayed in sending this to you because I had to get an electronic copy of my statement to include with this complaint. I still have heard nothing from Wells Fargo.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

Account was paid to XXXX on XX/XX/XXXX. A merchant then charged {$50.00} to the account on XX/XX/XXXX for a XXXX automatic payment. The transaction is pending, however the bank has updated my credit card account to reflect a balance of {$50.00}. My credit card payment due date and statement closing date are on XX/XX/XXXX. I attempted to pay the balance, but the credit card company has disable all payment options and is telling me that there is nothing to pay. 
1. Why is a pending transaction that hasnt yet posted being reflected in my balance? 
2. Why am I being prevented from making a payment to prevent a balance from posting to my credit reports?
Product: Mortgage

Im writing to you today to file a report on Newrez, a mortgage company, for violating their contract to refund escrow money and holding my money illegally despite many attempts for them to send it to me. Below Ive listed out the timeline of events and Newrez has not sent my Escrow Money, although they have confirmed four times they are going to send it to me. 

Timeline : XX/XX/XXXX : I faxed a request to XXXX XXXX XXXX  ( now called Newrez ) to close my Escrow Account. 
XX/XX/XXXX : I received a written letter that my request to close my Escrow Account had been approved. The notice stated that as of XXXX XXXX XXXX  I would no longer have an escrow account with the XXXX XXXX XXXXNewrez LLC XX/XX/XXXX : My home loan was officially moved to Newrez LLC XXXX XXXX XXXX : I received an email notification that my request to close my Escrow Account had been approved. 
XX/XX/XXXX : I called Newrez customer service to ensure that the Escrow request had been transferred when the loan was transferred. The agent assured me it had and that I could expect to receive my Escrow Refund by XX/XX/XXXX ( 60 days after the escrow account closing ). 
XX/XX/XXXX : I called Newrez again to see the status of the account. The agent said the company had not started this request, although they had record of the request. The agent said he would put the request to refund my escrow immediately. 
XX/XX/XXXX : I called Newrez again to see the status of the account, as I still had not received my refund. After explaining the situation to the customer service agent, they agreed to overnight my refund check to receive it by XXXX XXXX XXXX XXXX XXXX XXXX XXXX am contacting you to report that Newrez LLC is withholding my escrow money from me illegally after stating they would refund my account in full by XX/XX/XXXX. 

Im reaching out to you for help in this matter and to ensure you know that Newrez is illegally withholding my escrow money.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act as a Federally Protected Consumer, according to the 15 USC Code 6802 a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX, XXXX and Trans Union are third parties. I have the right to make sure my private information is not shared which is backed by 15 USC 6801. It states It is policy of the Congress that any financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 US Code 1681a Reporting Transaction History is illegal. According to the Privacy Act of 1974 it protects records about individuals retrieved by personal identifiers such as name, social security number or other identifying number or symbol. Individuals have the right to seek access to and request corrections or accounting of disclosures of any such records maintained about him or her. I am NOW opting out of any and all authorization I the consumer may have given written, unwritten, verbal and non verbal Per 15 USC 6802.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I wanted to continuously dispute these incorrect and misleading accounts that the credit bureaus has reported on my credit report. I kept sending them letters since XXXX of this year and I haven't even got one letter of correspondence from their side. I want them to immediately delete these invalid accounts below, because I don't even know why they exists on my credit report. 

1. XXXX XXXX XXXX Account # : XXXX 2. XXXX XXXX Account # : XXXX 3XXXX XXXX XXXXXXXX. Account # : XXXX 4. XXXX ..Account # : XXXX 5. XXXX XXXXXXXX XXXX... Account # : XXXX
Product: Debt collection

I have spoke with the company previously regarding making payments through their website. They keep saying that they can't take my payment but then contact me multiple times saying they are trying to collect on a debt. I have mentioned to them previously that their dialer system contacts consumers multiple times in one day and this is in violation of my rights. I was told it was fixed. Today, XX/XX/2022, I received 5 calls between XXXX and XXXX XXXX. I believe this to be annoying and harassing as well as against my rights as a consumer. I asked again why I can't make payments through my account online only to be told that they are still doing " updates ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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