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

I have been trying to fix my credit report and sent multiple dispute letters to Experian regarding inaccurate accounts. Despite my efforts, Experian has failed to investigate and correct these inaccuracies as required under the Fair Credit Reporting Act ( FCRA ). Specifically, Experian has violated : 15 USC 1681e ( b ) : Failure to ensure maximum possible accuracy of the information.

15 USC 1681s-2 : Failure to investigate and correct disputed information reported by furnishers.

15 USC 1681i ( 5 ) : Failure to delete inaccurate or unverifiable information after a dispute.

15 USC 1681c ( c ) : Reinserted or retained outdated or harmful information. 


I recently became aware of the CFPB lawsuit against Experian for conducting sham investigations of consumer disputes, which aligns with my experience. Their negligence has harmed my creditworthiness, impacting my ability to secure credit, employment, and housing.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I DO NOT RECOGNIZE THESE COMPANIES THAT ARE ON MY CREDIT REPORT, THIS IS CONSIDER IDENTITY THEFT IF I DID NOT GIVE CONSENT TO USE MY PERSONAL INFO.
Product: Credit reporting or other personal consumer reports

I have been trying to get Carmax to report correctly on my consumer credit report for over 2 years now. Still my report is inaccurate, unverified and incomplete. 15 U.S. Code 1681i of the Fair Credit Reporting Act, which outlines the duties of furnishers of information upon notice of dispute. The item was never deleted, I have loss a career opportunity because of CARMAX negligent and willful noncompliance in reporting this account that's ALWAYS inaccurate. I have brought this matter to y'all attention before, CARMAX has never sent a single piece of evidence to prove they are reporting correctly. Please forward my complaint to the DOJ AND FTC if there is nothing the CFPB can do.
Product: Credit card

This company is taking XXXX out of my Social Security check for the last XXXX months. I have emailed them several times and they will not answer.
Product: Credit reporting or other personal consumer reports

15USC1681I7 states that, if what you saying is true, and that this account is verified. I need for you to provide me written proof of the investigation that took place in order for you all to verify this account, and if that verification process is not provided in 15 business days, by law this account must be removed.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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

In accordance with the Fair Credit Reporting act 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 has violated my rights. 
15 U. S. C 1681 section 602 A. States I have the right to privacy. 15 U. S. C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Consumer Loan

When sending in payment, I completed the coupon at the bottom which states Payment Amount Additioanl Principal Amount ( you want to to pay towards your princpal ) _____ Total However, I have just discovered that any time I have paid an additional amount towards my Principal it has not been applied towards my principal I was informed you have you have to call for that but they have a section at the bottom of the coupon for that.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an unauthorized account listed on my credit report. The details of the account are as follows : Account Number : XXXX Opened Date : XX/XX/2024 This account was reported without my written consent, violating XXXX XXXX. XXXX under the Fair Credit Reporting Act ( FCRA ). I never authorized this account to be opened or allowed my information to be furnished to Experian. 

Despite my dispute with Experian, this account remains on my credit report.
Product: Credit reporting or other personal consumer reports

Complaint Against Experian There many incorrect information shown on my Experian credit report. I have called the company many times to explain the issues. Each call had extremely long wait times to get to the live person. However, each time the customer service rep. transferred my call to different department, then disconnected my call. This situation happened again and again, the Experian service reps. were getting ruder and ruder. After many efforts I was never able to get to the live person on the call to look up at the incorrect information shown on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are so many inaccuracies on my credit report, I have tried for so long to get my report updates and the incorrect info taken off but the credit bureaus just keep ignoring me.
Product: Credit reporting or other personal consumer reports

I disputed this a few times and shown that the information was incorrect but it's still on my report.
Product: Mortgage

I received a Payoff statement on XXXX XX/XX/2021 for the amount of {$610.00}. I immediately sent a wire from XXXX XXXX. That wire was never accepted so I sent a wire through XXXX XXXX for the amount of {$610.00} to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Account name : XXXX XXXX XXXX  XXXX # XXXX, Account number : XXXX, Attn : Payoff Department. 

I have been calling with no results. I have sent multiple e-mails to multiple people with no success. All I want to do is payoff my mortgage. They have locked my account online so I can not do anything through my account. 

I have copies of all the transactions. 

Now they are saying I am late yet I am paying off my loan 10 years early. I don't understand. Please help. 

XXXX XXXX XXXX XXXX cell
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the repeated failure of Equifax, Experian, and TransUnion to comply with the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, inconsistent, and unverifiable information on my credit report related to XXXX Account # XXXX. Despite multiple disputes submitted directly to each credit bureau and the creditor, the erroneous information has not been corrected or removed, violating my rights as a consumer under the FCRA. 

Details of the Dispute & FCRA Violations Inconsistent Account Opening Date TransUnion : XX/XX/XXXX Experian & Equifax : XX/XX/XXXX FCRA Violation : 1681e ( b ) Failure to ensure maximum accuracy.

Different High Credit Limits TransUnion & Experian : {$49000.00} Equifax : {$13000.00} FCRA Violation : Reporting incorrect credit limits impacts credit utilization and overall creditworthiness. 

Conflicting Last Reported Dates TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX FCRA Violation : Credit bureaus must report consistent and verifiable data. 

Different Date of Last Activity & Payment TransUnion : XX/XX/XXXX | XX/XX/XXXX Experian : XX/XX/XXXX | XX/XX/XXXX Equifax : XX/XX/XXXX | XX/XX/XXXX FCRA Violation : If data can not be verified, it must be removed under 1681i ( a ) ( 5 ).

Charge-Off & Payment History Conflict Equifax reports a 30-day late after charge-off, which is inaccurate.

A charge-off means the lender wrote off the debt, so additional late marks should not be reported.

FCRA Violation : Misrepresentation of delinquency under 1681e ( b ).

Failure to Address Disputes & Repeated FCRA Non-Compliance I have sent multiple dispute letters to Equifax, Experian, and TransUnion, requesting that this inaccurate and unverifiable account be deleted per FCRA 1681i ( a ) ( 5 ) ( A ), which states : " If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. '' Despite these disputes, the credit bureaus have failed to comply. They have continued to report false and inconsistent information, violating their duty to maintain accurate consumer credit files.
Product: Student loan

I first consolidated my XXXX loans in XX/XX/XXXX, Citi bank bought the loans and I was currently enrolled in another school at the time, so the loans were in deferment for many years. Anytime I was not in school I did make payments, however once I completed my XXXX and was out of work, I put the loans in forebearance ... .or so i thought. I tried numerous attempts to make arrangements with Citi bank to cure my defaulted account, then finally gave up. Now they are over {$24000.00} and in collections- I just got the letter today XXXX/XXXX/XXXX. The wo n't work with you on anything. It 's either all or nothing. You are at their mercy.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having insufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau about this problem several times please help me resolve this issue. I did not authorize these ( 3 ) listed inquiries on this date. 


XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

National Credit Systems Placed a debt with no legal notice to dispute. 

There is no debt owed XXXX  was taken to court for m y Deposit Return. 

I have court records of this I also filed with the US Attorney on National Credit Systems. 

This was all sudden placed on my credit file. Previous reports does not show National Credit Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX  XX/XX/2022 , XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe history and balance is reported inaccurately/incompletely. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. 

Pursuant to 15 USC a consumer has a right to privacy. 15 USC 1681b Allows you to furnish a consumer report with my written instructions, however it does not grant consumer reporting agencies permissions to include any indication that they were granted that permissions on a consumers consumer report. 15 USC 1681 ( a ) ( d ) ( 2 ) provides that these types of transactions which are between the consumer and the persons making the report are PRIVATE and to be EXCLUDED from a consumer report. including this private information without lawful authority or consent of the consumer constitutes identity theft pursuant to 15 USC 1681. 

If you determine that this dispute is frivolous or irrelevant, please provide me with the notice of determination within 5 business days containing the reason and information required to investigate the disputed information. Otherwise, please delete or modify this misleading information, notify the furnisher, and send me an updated copy of my credit file within 5 business days after the completion of your investigation. 

Upon completion of your investigation, I am also requesting the business name, business address, and telephone number, if available, that was used in connection with this investigation. 

Lastly, please provide a description of the procedure used. If this investigation results in a deletion, please provide notification to all persons who pulled my credit report within the last 6 months.
Product: Checking or savings account

The main problem is a lack of transparency. 

There are two charges on my paypal account that I do not recognize. They are from XXXX but I do not see matching purchases on my XXXX. Also, these charges are listed as " authorized '' automatic charges. This is peculiar because I didn't know that it was possible to permit automatic payments on paypal ; so I seriously question the possibility that I made these charges. 

However, none of this is the real problem. The real problem is that I reported these charges to paypal and then they told me that my claim was denied without giving me any documentation whatsoever. If they're going to deny me, I want the documentation. They do claim to have a process for me to access the documentation but it seems to be a barbaric process that I won't be able to follow as a result of temporary personal circumstances. Also, they told me absolutely nothing about their decision, nothing. It seems that their first decisions are final as well. There is no one time appeal to their very hasty initial decision. 


Paypal information- Case ID : XXXX Payment XXXX XX/XX/XXXX {$16.00} Transaction ID- XXXX Payment 2- XX/XX/XXXX {$27.00} Transaction ID- XXXX Seller of both- XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent in XXXX some more information is The money was XXXX XXXX I won XXXX XXXX forced me to send XXXX XXXX of it to the IRS for taxes. I had to sign to do so or it would be seized. So I did do.the irs never received it. That left me XXXX XXXX to us bank on the other file # XXXX XXXX XXXX did start that XXXX file and did sue in the XXXX  case and sued Trump I believe with my tax money XXXX XXXX and no authority from me to use it. 

I
Product: Credit reporting or other personal consumer reports

The car was paid off in full with no late payments. I also have a 1099C to show that the debt was charged off and accepted by XXXX XX/XX/XXXXk.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an alleged account on my report. The account has been listed as sold to a collection agency however there is still a balance attached to the account that had been paid for. I have requested a factual validation from both the original creditor as well as each of the credit bureau. They only state that the account meets Fca requirements but have sent no proof. This has been more than 60 days.
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint to KIA FINANCE AMERICA regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX, I have observed that this fraudulent account persist on my credit report. I had hoped to rely on KIA FINANCE AMERICA to safeguard my information and to report accurate credit reports. Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning on this account. 
To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons this account should be rectified or removed from my files. I appreciate your prompt attention to this matter and trust that KIA FINANCE AMERICA will take the necessary steps to address and rectify these inaccuracies promptly.
Product: Vehicle loan or lease

XX/XX/XXXX went to XXXX  XXXX XXXX to refinance the residual lease end on my XXXX  XXXX  with a maturity date of XX/XX/XXXX. 
Buyout amount of XXXX. As of yet the the lease end shows unpaid, deliquent, and going into default due to delay in paying off lease. Multiple calls made to Finance manager, customer service, lease end department with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several.times to dispute my XXXX, XXXX  and Experian credit reports because they have incorrect information on my credit report but I am unable to dispute because when I go to XXXX  website, it doesn't allow me to dispute because another active dispute is in process. 

Experian does not allow me to dispute the same account because I had dispute it 60 days ago, however information has changed. 

XXXX  does not allow me to dispute. When I attempt to dispute and go on their website and log in, the site gives me a number to call. When I call that number no one answers. I stay on hold for as almost an hour and no one come to the phone. 

My account showing as XXXX XXXX XXXX has been paid in full and it is not reflecting this on all credit reports. I filed a previous complaint with CFPB last week and I received an email that your organization could not send the information to the company or resolve it. Why not, doesnt Consumer Financial Protection Bureau monitor these credit agencies. They are housing incorrect information on my report and th his needs to be fixed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX as Trustee Attorney, and National Default Servicing Corporation ( NDSC ) as Trustee, and others working on behalf of, for the interest of, for the benefit of, unlawfully accessed my credit reports. In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, or gaining access to my credit reports and the data contained within due to the bank, Trustee, and Trustee Attorney improper actions, I've had my personal, financial and private information grossly compromised due to such conduct and behavior. This behavior, to the best of my knowledge, occurred between XX/XX/2016 to present. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX National Default Servicing Corporation ( NDSC ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Product: Mortgage

I have a mortgage serviced by LoanCare. On XX/XX/XXXX, I submitted a written request to have PMI payments removed. I received an automated response asking me to allow 5 business days for my inquiry to be processed. 

I received no further response until the end of XXXX, when I received a letter ( dated XX/XX/XXXX, received XX/XX/XXXX ) informing me that I had to pay to have the property appraised before PMI payments could be removed. Largely due to this delay, PMI payments were not removed until XX/XX/XXXX, nearly four months after my written request. 

On XX/XX/XXXX, I submitted a complaint and requested a refund for some PMI payments. I again received an automated response asking me to allow 5 business days for my inquiry to be processed, but then I received no further response. 

On XX/XX/XXXX, I sent a follow-up email to customer service and opened a case with the Virginia XXXX XXXX XXXX. Once again, I received an automated response but no further response. After some delay the XXXX contacted LoanCare on XX/XX/XXXX. 

Finally in XXXX I received a letter ( Dated XX/XX/XXXX ) from a mortgage resolution specialist at LoanCare agreeing to refund a single month of PMI payment, which I do not consider to be an acceptable resolution. 

The decision to refund only a single month of payment was based on an assertion that LoanCare is allowed to take up to 30 days to respond to the written request to have PMI payments removed. According to the documents signed at closing, LoanCare is supposed to respond " promptly ''. I spoke to the mortgage resolution specialist, who made the claim that the CFPB defines " promptly '' as " 30 days ''. However, the CFPB customer service representative that I spoke to was unaware of any such definition, and upon inspection of the Homeowner 's Protection Act I confirmed that there is no such definition. 

Further research revealed that LoanCare has had 398 complaints lodged against them over the past three years : https : XXXX Many of these complaints are of a similar nature to mine. Together with my own experience, this indicates a practice of intentionally over-collecting PMI payments by ( 1 ) delaying the response to the request to have PMI payments removed, and ( 2 )  ignoring customer complaints.
Product: Debt collection

They were very rude, would n't accept any good gesture of payment and got ruder when I tried to work with them. I called XXXX times, none of them said they were the person in charge XXXX. when I called to pay, she stated I talked with her several times. I explained how rude they all are. I told her to collect a debt they do n't have to belittle people. My husband has XXXX XXXX, they called his phone XXXX times a day. They put his name on the bill, even though the original bill was not in his name. They Kept repeating how legal action was about to be taken, told me to " hurry '' when I told them I was trying to get something together because then we would have to pay legal fees. Never once being nice or tried to work with me. I know they have a job to do, but they do not have to be rude and aggressive.