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

This complaint is based on documented findings from the Consumer Financial Protection Bureau ( CFPB ) investigation into Experian Information Solutions, as outlined in the case Consumer Financial Protection Bureau v. Experian Information Solutions , Inc., Case No. XXXX. 

Experian has violated its obligations under the Fair Credit Reporting Act ( FCRA ) by failing to update or remove inaccurate information on my credit report, specifically regarding charge-offs, alleged late payments, and collection accounts from the following creditors : 1. Charge-Offs and Alleged Late Payments : - XXXX XXXX  : Failure to meet reasonable reinvestigation requirements under 15 U.S.C. 1681i ( a ). 
- XXXX XXXX : Ongoing reporting of disputed charge-off status and late payments without proper verification. 
- XXXXXXXX XXXX XXXXXXXX : Inadequate reinvestigation or correction of disputed charge-offs and alleged late payments. 
- XXXX XXXXXXXX : Unresolved disputes regarding charge-offs and late payment reporting in violation of Experians reinvestigation duties under 15 U.S.C. 1681i. 

2. Accounts with Alleged Late Payments : - XXXX XXXX XXXX : Continued late payment reporting despite disputes that warrant correction per FCRA 15 U.S.C. 1681i ( a ) ( 5 ). 

3. Collection Accounts : - XXXX XXXX XXXX : Two collection accounts remain on my credit report despite disputes and lack of verifiable evidence, violating 15 U.S.C. 1681e ( b ). 

Violations of FCRA & CFPB Findings : Experians practices, as described in the attached CFPB report, highlight systemic issues including : - Failure to Conduct Reasonable Reinvestigations : Experian has demonstrated a pattern of relying excessively on furnishers ' responses despite receiving contradictory evidence, contrary to 15 U.S.C. 1681i ( a ). 
- Failure to Ensure Maximum Accuracy : Experians reinsertion of previously deleted or corrected tradelines violates 15 U.S.C. 1681i ( a ) ( 5 ) and 1681e ( b ). 
- Failure to Notify Consumers Properly : Experian issued unclear and inconsistent dispute resolution letters in violation of 15 U.S.C. 1681i ( a ) ( 6 ). 

These documented failures mirror my experiences, where Experian has ignored key dispute information, resulting in inaccurate reporting. 

Impact on Credit : These reporting issues have caused credit denials, unfavorable loan terms, and financial harm, contradicting Experian 's legal obligations.
Product: Debt collection

For several years ( even prior to COVID ), I have continuously receive unsolicited phone calls and text messages from First National Collection Bureau , Inc. addressed to a " XXXX '' regarding debt collection. However, my name is not " XXXX '', and I do not know or am not associated with anybody named XXXX. Furthermore, I do not owe any debts, and even if I did, I have not received any debt validation letters. In the past two months alone, I have received these text messages from at least three different phone numbers for this same company on the following dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the past, I have received harassing phone calls regarding this bogus debt. It appears that a " XXXX '' has been potentially using my phone number to sign up for bogus accounts with debt, which I am not associated with.
Product: Money transfer, virtual currency, or money service

Paypal allowed fraud on my account, allowing a person to not only enter my account, but to change the email address and to lock me out of the account. 

The same actions happened on Paypal sister company, Venmo A bank transfer was then processed, withdrawing {$740.00} from my checking account, despite my alerting Paypal of the fraudulent use of my account. 

Notifying Paypal was difficult, as all communication requires logging into an account that Paypal allowed me to be locked out of. 

Emails have gone unanswered My email address was NEVER compromised and I never clicked on a link to enable the fraud. Paypal and Venmo both allowed someone to change my account login simply using a phone number - no passwords or security questions were ever required to stop the fraud. Paypal keeps trying to say this fraud was my fault and refuses to acknowledge that with only a phone number, an account can be fraudulently accessed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX XXXXDATE OPENED XX/XX/year>
Product: Debt collection

GLA Collections is trying to collect 3 medical debts from XXXX XXXX Hospital, but I had Medicaid at the time of each visit. The dates were : XX/XX/XXXX in the amount of {$370.00} XX/XX/XXXX in the amount of {$150.00} XX/XX/XXXX in the amount of {$330.00} My Medicaid should have paid for this, so I don't understand why they're trying to make me pay. Please fix this or help me understand what's going on. Thank you!!
Product: Checking or savings account

From the time Business account # XXXX and my Personal Account # XXXX were opened until the present day, I have never authorized ( Predatory ) " Overdraft protection '' on any account. 

I have repeatedly asked that Chase bank stop allowing " ACH debits '' when funds are not available. I call Chase to have as many of the fees reversed as possible as much as possible. 
Chase employees have a limit on the number of fees that they will reverse. Chase is giving me many predatory loans every month. on occasion amount debited is as low as {$7.00} and the overdraft os {$34.00}. 
Chase charged as many as 5 overdrafts or more in a day. In a month it is an average of {$400.00} or more per account. 
I am being given short term loans I can not afford and I did not accept. The robbery has the consequence of ruining my ability to pay my other obligations. This is hurting my credit, my future, and my family. 
The Chase bank owners are taking a house payment amount from me every month. This issue is urgent.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on mu report please remove these accounts from my report they are hurting my ability to obtain credit. 

I am not liable for this debt with LVNV FUNDING LLC. I do not have a contract with LVNV FUNDING LLC. They did not provide me with the original contract as requested.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, 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 these accounts though your company claims to has verified these. 

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 XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, 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 creditor/CA 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  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Debt collection

I have been repeatedly contacted by an agent stating he works for your collection agency from the following phone number - XXXX which according to XXXX belongs to XXXX XXXX in regard to an alleged debt that does not appear on any of my credit reports and well past FDCPA SOL. Upon further research I found that Lake City Credit does not appear to be licensed in the state of Tennessee. On a recorded line I made it clear to your agent that I am challenging the validity of this alleged debt and require debt validation per the FDCPA in addition to who contracted your firm to collect this debt and proof that you are legally licensed to collect in the state of Tennessee. Until then Lake City Credit shall immediately cease and desist from further contact outside of providing debt validation via mail. Furthermore a copy of this message along with the recorded convo with your agent will be forwarded to the following agencies : The XXXX XXXX XXXX, Tennessee Dept of Commerce,  Tennessee Attorney General, and the Consumer Financial Protection Bureau. In addition any further calls from your agents will be logged, recorded and presented during my legal recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

the company 's below have violated my rights. 15 USC 1681 SECTION 602 A 15 USC 1681 SECTION 604 A SECTION 2, 15 USC 1681c ( a ) ( 5 ) company had also NO PERMISSION to report ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4 XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX
Product: Checking or savings account

My mother, XXXX XXXX, XXXX XXXX in XXXX of 2017. She had a checking account with XXXX XXXX. I was registered as co-Trustee on the account as I also had Power of Attorney priviledges. After my mother XXXX XXXX I kept the account open for a few months as she had automatic deposits and withdrawals scheduled into the account and I wanted to get a better handle on those before closing the account transferring the balance to an Estate Checking Account, which I did in XXXX. My mother only got online statements, so I was unable to get statements after she XXXX. In addition, I was unable to set up online account access for myself since TCF was undergoing a system conversion to its online banking system right after my mother 's XXXX. 

I was recently reconciling all of the accounts in order to list all of the expenses of the estate. I noticed TCF charged a {$9.00} maintenance fee on XX/XX/XXXX to my mother 's checking account ( which was closed in early XXXX ). Since I did not get statements or have online access, I was n't aware of this charge. I asked what it was for and that it be reversed. The bank has been unable to tell me why the fee was assessed, even after 4 requests. In my opinion, the bank has an obligation to at least inform me why a fee was charged and do so without reasonable hassle. This has been a considerable hassle and I 'm disappointed it requires a complaint to a regulator to get a call to action. In addition, TCF has been unwilling to consider refunding the fee as they note the account has been closed. It has, but I was n't aware of this fee. The key reason I was n't aware of the fee is that they were n't able to set me up with online access when I took over the checking account because they were doing a system conversion which at the time prevented me from enrolling in online banking. Therefore they need to take some ownership in the circumstances, and they have n't.
Product: Credit reporting or other personal consumer reports

Please delete this erroneous Bankruptcy from my credit file immediately. This IS NOT my account. 

See : Attachment FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my credit rating went from the low XXXX, to low XXXX so I checked my credit report. Theres a collection account with a balance of {$370.00} listed with a collection agency called XXXX XXXX that has a date of XX/XX/22. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NJ XXXX XXXX The original debtor is XXXX XXXX 
All of the information above is provided on the credit report. 
I called the phone number above. Someone answered but told me to call a different number XXXX. Its an automated system that asked for information to look up my account. I confirmed personal details, including the last 4 of my social. I thought it was trustworthy because its a record on my credit report. I was disconnected 5 times and couldnt speak to a representative. 
The credit report now shows a new personal address for me thats in Texas. Ive never lived in texas. It shows that the collection agency added it for me. 

A few hours later I got a message from ( XXXX ) XXXX that said that a law firm is going to place a lien on my house because of a past debt. The message gave me a new phone number ( XXXX ) XXXX for XXXXXXXX XXXX XXXX. I called and basically he was trying to get me to pay a settlement of {$5800.00} which is half of what he says the lien will be. He wanted me to use a bank card of some sort to pay the settlement. He had all of my personal information including the last 4 of my social. It was just after I confirmed that info with the collection agency from my credit report that he called and had all of this info. He sent me a docusign email that was from client services. I never clicked on the link to go further. He became angry whenever I asked him to confirm that hes from a law firm like he says and its not a scam. I eventually just hung up on him. He called back right away and I answered just to be able to hear him be angry about that so I could hang up again. He called 3 more times, but I havent heard from him since. 
Sorry for the long explanation. But I figured the more details is better. 

I disputed the claim on my credit report with Experian. 
I think both are scams and maybe one was phishing for the other.

Thanks
Product: Credit reporting or other personal consumer reports

Lexis Nexis has violated my rights as a Federally Protected Consumer by reporting my personal information inaccurately. There are illegal names, Illegal addresses, and phone numbers being reported on my consumer file. I can not receive mail or any correspondence nor do I have access to any of the outdated addresses. 
I have also demanded my social security number, date of birth and year of birth be removed for privacy reasons and yet LEXIS NEXIS is still reporting this information. I sent a second Certified Mail Letter on XX/XX/year>, requesting this outdated information be deleted immediately, and have yet to receive a response from LEXISNEXIS.
Product: Mortgage

I am a XXXX XXXX XXXX veteran. Last year, I received a XXXX diagnosis forcing me to step down from my job, so I listed my house for sale because I would no longer be able to make payments sustainably. 

On XX/XX/2024, with my realtor present, XXXX XXXX ( XXXX ), I called Newrez LLC, the lender who holds my mortgage... for instructions and paperwork to initiate a purchase assumption sale to prospective buyers. That evening, a representative of Newrez emailed me forms to complete, which I did jointly with the buyers. 

On XX/XX/2024 my house went under contract for a purchase assumption by XXXX and XXXX XXXX ( retired XXXX XXXX veterans ) in XXXX, WY. XXXX XXXX submitted our documents electronically that same day. And I called frequently for updates, on XXXX XXXX, XXXX, XXXX, and on XXXX XXXX. 

Newrez agents refused to confirm receipt of our documents, my realtor and I sent a physical copy of the paperwork in via certified mail. After three weeks, on XXXX XXXX, a representative of Newrez contacted me by email to inform me that they had provided us the wrong forms and we must restart the process. Frustrated, that's exactly what I and the buyers did. 

I am writing to complain that Newrez ( and/or Shellpoint Mortgage ) behaves with willful negligence in bad faith towards borrowers trying to sell their homes via purchase assumption. I believe the lender is dragging its feet to complete this purchase assumption sale on my house. They would rather repossess my home and resell it for all its accumulated equity at a higher interest rate with initiation fees than to complete this assumption process with myself and the veteran buyers. Why maintain a 2.25 % interest mortgage when they can take the house for themselves and then resell it at 7 % interest? I am being bankrupted during the waiting process. 

I am asking for your help/intervention in this matter to step in and enforce good-faith accountability. My scheduled close date is XX/XX/2024. Please compel Newrez to process this assumption sale. I have notified repeatedly what is going on and my wishes, by phone and in writing. They are slow to respond, if they respond at all. They stated assumptions can take 30-60 to process. The home went under contract and we submitted our documents on XX/XX/2024. They were negligent in providing us correct forms and stonewall us at nearly every turn, or provide conflicting reports of information when asked for updates. Though requested, I have not been provided a point of contact within their assumptions department. All I have heard is " your case has been assigned to a loan officer. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed accounts had violated my federally protected rights of privacy under XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1681, section 604 A Section 2 XXXX also states, a consumer reporting agency can not furnish a account without my written instructions. 


15 USC 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 crime, which add a date to the report by more than seven years. 


15 USC 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 calls to believe that the information is in accurate.
Product: Credit card or prepaid card

I called Old Navy Navyist Rewards phone, requesting an update on the fraud charges and an email I had received back on XX/XX/XXXX stating I requested an email changed. I never requested an email change when I called on XX/XX/XXXX. I was informed that the email address was changed by removing one number from my actual email address and they are now investigating who changed it. I also request to get an update up my current fraud charges that XXXX disputes on XX/XX/XXXX. I was informed that the {$380.00} ( and some change ) had not posted under transactions as of yet and that is why they havent completed the investigation. Its been two months since the charge was made on my card. Then I was informed that the {$190.00}, which I was told to dispute as well as I did not make the charge, never was authorized, so no need to work that fraud dispute. I also asked XXXX from Barclays XXXX XXXX XXXX as to when that will be corrected as they are still charging me late fees and calling to collect a payment. I informed her that if they sent the item to collections as someone previously informed by or report it on my credit as delinquent then it will effect my credit score. XXXX proceeded to inform me not worry as my credit score will go back to what it needs to be once they give my account the credit back. That means in the meantime they can mess with my credit score and think that a delinquent record wont stick for some time?
Product: Checking or savings account

XXXX XXXX Wells Fargo Bank Customer Account Number : XXXX XXXX Debit Card Number : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : XXXX XX/XX/year> Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX, XXXX XXXX XXXX Washington, DC XXXX XXXX : ( XXXX ) XXXX To Whom It May Concern, Subject : Formal Complaint Against Wells Fargo Bank for Failure to Honor Fraud Claims I am writing to formally file a complaint against Wells Fargo Bank regarding the handling of unauthorized transactions on my account and the bank 's refusal to honor my claims. Below are the details of the disputed transactions : 1. XX/XX/year> - Unauthorized transaction in the amount of {$550.00} XXXX. XX/XX/year> - Unauthorized transaction in the amount of {$1500.00} XXXX. XX/XX/year> - Unauthorized transaction in the amount of {$480.00} XXXX. XX/XX/year> - Unauthorized transaction in the amount of {$1400.00} These charges were made without my authorization. In addition, the company XXXX fraudulently charged my debit card multiple times after I had already paid them for services. Despite my immediate reporting of these transactions to Wells Fargo 's claims department, the bank has refused to honor my claims and has not provided a satisfactory resolution. 

I am requesting that your office investigate this matter, as Wells Fargo 's failure to address my concerns has caused me significant distress and financial inconvenience. I would appreciate your intervention to ensure that Wells Fargo complies with its obligations regarding fraudulent transactions. 

Please feel free to contact me at the phone number or email address listed above should you require any further information. 

Sincerely, XXXX XXXX