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

Complaint to CFPB Regarding Experian 's Failure to Provide a Credit Score To Whom It May Concern : I am filing this complaint against Experian due to its failure to provide me with a credit score, despite my repeated efforts to resolve this issue. This ongoing problem is causing significant harm, as I am in the process of purchasing a home and Experian 's lack of action is creating unnecessary complications.

I contacted Experian by phone, and the representative instructed me to submit proof of my identity via their upload page. I complied with this request immediately, uploading all required documentation. Prior to this, I spent several months mailing the same information to Experian to ensure my records were updated and accurate. Despite these efforts, Experian has failed to provide me with a credit score.

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), which grants consumers the right to access their credit information and ensure its accuracy. Further, under Section 611 ( 15 U.S.C. 1681i ), Experian is obligated to investigate and correct inaccuracies or incomplete information in a timely manner. Their failure to respond to my repeated submissions of identity verification materials constitutes a breach of these legal requirements.

Additionally, under the Equal Credit Opportunity Act ( ECOA ) ( 15 U.S.C. 1691 ), I am entitled to fair treatment in accessing credit. XXXX failure to provide my credit score is impeding my ability to obtain a home loan, effectively denying me access to credit without justification or due process.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and hold Experian accountable for their noncompliance with federal laws. Specifically, I request : Immediate action by Experian to update my records and provide my credit score.

A review of Experians handling of this case to prevent further violations of the FCRA and ECOA. 
XXXX that Experian will comply with its legal obligations to provide accurate and accessible credit information in the future. 
This is a time-sensitive matter that directly affects my financial stability and ability to purchase a home. I urge you to address this issue promptly. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. 3 Credit Bureaus have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt to receive from the bureaus requested original documented proof of a disputed 8-year old account [ XXXX XXXX ]. It appears that the account was remove, updated from the information I provided and then placed back onto my report causing my FICO score to drop nearly 40 points. Therefore, it seems I was penalized for requesting a proper investigation ; and sending me tangible proof. 

As per section 609, I should be protected from all forms of false and manipulative reporting and asking for all documents that were filled out when this account was opened, including an application and/or contract with signatures is within my rights. I contacted all three bureaus after discovering that all three bureaus had different and conflicting information about a very old account. It is clear that I was penalized for challenging an account. The amount owed was the same, which should have been the only reason my score would have to change. 

In the pass I was a victim of identity theft, I simply want the original documents to determine ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my Transunion credit report in XX/XX/2020, I found errors and inaccurately reported information in my credit file. I certified mailed Transunion a notarized dispute letter XX/XX/2020 disputing items in my credit report. I allowed for 5 days for Transunion to receive my letter as well as 5 additional days for them to send me results from their investigation. This was a total of 40 days. I did not hear from Transunion within 40 days nor after 40 days. I should have heard from Transunion between XX/XX/2020 and XX/XX/2020. Unfortunately, I never received any letters or correspondence from them regarding the XXXX dispute. As a result, I mailed a 2nd notarized non-response dispute letter this time on XX/XX/2020 addressing the fact that they never responded to my first dispute letter. As per the Fair Credit Reporting Act, a credit bureau is required to respond to me within 30 days, If they do not respond within this time-frame, they must remove the negative item being disputed. 

When I finally received my updated credit report in response to my XX/XX/2020 dispute letter, Transunion had only deleted 2 negative items. In other words, Transunion never responded to my first dispute sent XX/XX/2020 and when they finally responded to my XX/XX/XXXX letter, the failed to completely comply with the FCRA and remove all of the negative accounts and items I disputed. To date, XX/XX/2020 those disputed items still remain on my Transunion credit file.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Account Number : XX/XX/2023 To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on XXXX XXXX for my Self account. 
I want you to know that I understand my financial obligations, and if it werent for me being sick in the hospital from XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, Ive regained my strength and my health is better than ever. Ive been working full time and have gotten back financially steady. Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on my self credit account Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The information that is on my credit report doesnt belong to me. It belongs to someone else. I did not open any accounts or try applying to any of the creditors that is listed in the files. Please review my report and remove all inaccurate information.
Product: Debt collection

Upon examining the latest credit report, it seems multiple accounts were added without authorization and are inaccurate. There is a demand for these fraudulent accounts to be blocked and promptly removed.
Product: Credit card

It is apparent that my requests to review call recordings, made on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, have been denied. My XX/XX/XXXX request, directed to a supervisor, for access to these recordings remains unaddressed. While the initial response indicates a review, it appears the request for call review was overlooked. Given that these calls are recorded, isn't access to these recordings standard procedure? The lack of resolution after XXXX attempts is unacceptable. This situation suggests a company policy that prioritizes corporate interests over customer needs. The account, maintained for years without any balance increase, was underutilized, further highlighting the ineffectiveness of the service. The claim that fee waivers are not guaranteed is misleading, as I specifically requested access to the call recordings for review by myself or the CFPB. Due to the unsatisfactory resolution, I will be filing a complaint with the XXXX XXXX XXXX The continued assessment of fees on my account is unreasonable. My XX/XX/XXXX, request to waive the approximate {$80.00} in late fees and close the account remains unaddressed ; why is the account still open following that request? It appears the intent is to generate additional revenue.
Product: Checking or savings account

I had a checking account with Chase Bank the XXXX XXXX branch in XXXX XXXX, California. I was also dating someone online who said they were going to send me some money and asked for my banking information. So I gave it to the person and they sent me a fraudulent check to my account. When Chase acknowledged the check they immediately closed my account with no explanation and said I could never bank with Chase ever again. I tried to explain I wasn't aware this was going to happen but they didn't believe me. The account was opened on XX/XX/XXXX and it was closed XX/XX/XXXX. 
I tried to open another account two years later XX/XX/XXXX and I was successful but then the account was closed XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Sentry Collections and Recovery inc. received my request for an investigation for a debt they claim I owe. In the request I asked for proof of their license to collect debt in my state. They failed to provide this. I also requested VALIDATION from this company for this debt. Instead, I received VERIFICATION that was NOT requested. Also, I requested the company provide me with their license numbers and registered agent or agent of service. This company has not provided either of these. Furthermore, your company has not responded to any of my letters in the mail. Your Company only responds when a complaint is made with the CFPB, and I have proof of this.I have attached ALL Return recipts from your company proving you have recived my many letters. Signed by a XXXX XXXX. Also, on the VERIFICATION ( not validation ) that i did not request you say that XXXX XXXX is both the Current and original creditor while at the same time saying that XXXX XXXX  is the current Creditor. Which is it?
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is being reported to my credit report, capital one is reporting that my wife account which Iam a secondary card holder is late since XX/XX/2023 which is inaccurate, we have made all payments on time. She has called several times and they capital one Walmart card also see that it being paid in time. The agents which I have recorded the conversation state that they also agree that the information is inaccurate and should be changed. They state they have forwarded my complaint to the capital one Walmart card supervisor. This now XX/XX/2023 and there is no change. Please help with this issue. They are hurting my credit report and me and causing me pain and suffering. Because there illegal actions I have been denied credit and accounts have been closed and interest have gone up on the other accounts. At this moment they are taking advantage of me and my wife and are retaliating against us for no reason.
Product: Mortgage

On XX/XX/XXXX, I purchased a duplex property with the address XXXX, TX XXXX. I bought the duplex through XXXX, who transferred the servicing of my loan to Specialized Loan Servicing , LLC ( SLS ). I have an escrow account required for the loan, which SLS services. In XX/XX/XXXX, when the property taxes for both sides of the duplex were due, SLS paid the taxes for only XXXX. I did not notice the unpaid taxes until I received a deliquency notice from the XXXX County Tax Assessor. On XX/XX/XXXX, I contacted SLS by phone to inquire about delinquent property tax notices I had received for my home loan XXXX : XXXX . I contacted SLS because my loan requires an escrow account and SLS is required to make the appropriate tax and insurance payments under the loan servicing agreement. I spoke with an agent who was very apologetic and confirmed this was an error. The explanation given was that SLS ' had mistakenly paid the taxes on only XXXX parcel of the duplex property. She thanked me for bringing the error to SLS ' attention before the delinquency date for the property taxes and said that they would rectify it promptly. I accepted this resolution and notified the agent that I would be sending a qualified written request ( QWR ) including the county tax assessor 's bills as documentation of the issue. I sent this QWR the same day to the address of SLS ' XXXX tax office given by the agent. By XX/XX/XXXX, I had not received any further contact from SLS as required by the 5-business day window for acknowledgement of a QWR. By XX/XX/XXXX, I still had not received any contact from SLS despite it being 20 business days from the date of my QWR. I was still receiving bills from the county tax assessor and my taxes were listed as delinquent. On XX/XX/XXXX, I called SLS and was told by the agent that they had received my QWR and had an open ticket in their system for the issue. She assured me I would receive an explanation by mail on XX/XX/XXXX. By XX/XX/XXXX, I had not received any correspondence from SLS. By XX/XX/XXXX, it had been 6 weeks since SLS first promised to resolve this issue. Due to the advanced state of delinquency and SLS ' failure to resolve my issue, contact me in any way, or issue their legally-required response to a qualified written request under Section 6 of Real Estate Settlement Procedures Act ( RESPA ), I sent a demand letter outlining my complaints and requesting the full amount of property taxes due, which was now inflated by XXXX dollars due to penalties and interest. By XX/XX/XXXX, I received my first and currently only response from SLS which stated that they were looking into my issue but did not give me any resolution or a timeframe to a resolution. On XX/XX/XXXX, I paid the full amount of my delinquent property taxes myself to avoid incurring any more penalties. I intend to file suit against SLS for their egregious mishandling of my mortgage despite reaching out several times to them and trying to reach an amicable resolution.
Product: Debt collection

I had a debt with Monroe and Main. The sold it to XXXX XXXX. I called to pay the balance and was told because of the state I reside in ( Missouri ) I had to pay an additional fee of {$7.00}. How does the state I reside in constitute an additional fee? I did pay it with my debit card and there is no payment pending with my bank! SCAM
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I contacted Amex to help enroll me into the XXXX XXXX XXXX. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. They said my account would be updated and I would see the lowered payment and begin in XXXX. That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on Amex 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. They agreed on a recorded line and made notes according to the agent. Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by Amex. I always let Amex know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. Amex has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. I am now employed and will pay the card off but need Amex to remove the info as agreed.
Product: Credit card or prepaid card

I received notice from Bank of America that they were notified by XXXX that there was a chance my card had been compromised and I would be receiving a new one with a new number. Upon inquiry Bank of America and XXXX refused to disclosed what was the source of the compromise with Bank of America putting the problem with XXXX. 
If a particular merchant was the cause of the compromise I want to know so that I do not patronize that merchant in the future. 
The time necessary to deal with the new card will be lengthy as I have a number of recurring monthly bills tied directly to the card. As the end used I should have the right to disclosure of the suspected source of the compromise.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a false charge-off on my credit report and has illegally re-aged the debt, making it appear as a new charge-off in XXXX, despite the account being fully settled and paid in XXXX. This inaccurate reporting is damaging my credit score, preventing me from obtaining financial opportunities, and causing undue stress. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and requires urgent correction. 

Details of the Account : Creditor : XXXX XXXX XXXX ( XXXX XXXX ) Original Charge-Off Date : XX/XX/XXXX Re-Reported as Charge-Off : XX/XX/XXXX ( Illegal Re-Aging ) Original Balance : {$1200.00} Amount Remaining : {$0.00} ( Settled in Full in XX/XX/XXXX ) How TransUnion Violated My Rights : 1. False Charge-Off Reporting TransUnion is reporting this account as charged-off, even though the account was paid in full through a third-party company, XXXX. 
XXXX. Illegal Re-Aging of Debt Instead of properly reflecting the original charge-off date ( XXXX ), TransUnion re-reported the charge-off as if it happened in XXXX, violating FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

3. Failure to Ensure Accuracy TransUnion has reported false information in violation of FCRA 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain accurate consumer records.

4. Financial & XXXX XXXX  Due to this false charge-off and illegal re-aging, my credit score has been severely impacted, leading to financial losses, denied credit opportunities, and emotional distress.
Product: Credit card

Upgrade credit card, a card I have never used, randomly charged me {$0.00} by email which went to my " promotions '' folder and I didn't see it. Then they reported me as delinquent to the credit reporting agencies. 

I called them and told them I'd never used this card, I will never use this card, close this account. They said they couldn't close the account because I owed them XXXX CENTS!! So, I paid them {$2.00} just in case they took longer than XXXX billing cycle to close the account. 

Now, every XXXX months they report me to the agencies, I scream at them, they delete the credit report, since repeat. 

Please, please, someone help me get away from UpGrade inc credit card.
Product: Debt collection

Hello CFPB, On XX/XX/2018 I called XXXX XXXX Cooley/XXXX XXXX Talk to supervisor XXXX. Advised my loan # XXXX and my account # is XXXX. Told her that I filed Chapter XXXX Bankruptcy and my case number is XXXX. Supervisor XXXX said I would not receive anymore calls from XXXX Cooley finance during my bankruptcy. She also said that she knew that it would be a FDCPA violation for XXXX Cooley to call me during my bankruptcy. 


I am still receiving harassing collection calls from XXXX Cooley Finance. There collectors tell me that they will continue to call me. This is a violation of the Bankruptcy collection laws and its also a violation of the Fair Debt Collection Practices Act. On XX/XX/2018 received a call at XXXX from phone number XXXX collector name XXXX left voice mail said I need to call XXXX XXXX Cooley XXXX On XX/XX/2018 XXXX received call from XXXX collector name XXXX XXXX XXXX Cooley Finance . Talk to XXXX and she said that I will continue to receive collection calls from XXXX Cooley/XXXX  XXXX because my account is not coded as a bankruptcy account. 

Address XXXX Cooley Finance XXXX XXXX XXXX Company XXXX XXXX XXXX XXXX XXXX, Texas XXXX Companies have had to pay very stiff fines for committing these violations. Could XXXX Cooley receive a letter from the CFPB letting them know that they have committed these violations? 

Please let me know Thank You, XXXX XXXX XXXX XXXX
Product: Credit card

In 2016, a government-backed debt security was used to acquire a {$4000.00} credit line for the beneficial use of the trust estate in discussion. Once credit was acquired, JP MORGAN CHASE & COMPANY assumed equitable interests, violating their fiduciary duties. The management delineated by JP MORGAN CHASE & COMPANY has verified deceptive sales practices, in concurrence with indications of illegal insider trading.

Through the exclusion of material facts, JP MORGAN CHASE & COMPANY has undervalued the equitable interests of the trust estate, causing damages. Their exclusion of material facts has caused them to devise a scheme to defraud, using the United States Post Office for the purpose of executing a scheme on a government-backed security.