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

I am submitting this formal complaint against Experian for negligence and non-compliance with legal obligations regarding my credit report. 

On XXXX XXXX, I initiated a request for a credit report, dispute resolution through Experian. However, despite following all necessary procedures, I have experienced the following issues : Failure to Correct Inaccurate Information : I have submitted documentation and filed a formal dispute to correct inaccuracies on my credit report. Despite being well within the time frame prescribed by the Fair Credit Reporting Act ( FCRA ), Experian has not corrected these errors, which has caused an unjust negative impact on my credit score.

Lack of Response and Communication : I have made multiple attempts to resolve this issue by contacting Experian through [ phone/email/online portals ]. However, these attempts have been met with inadequate or no response at all. The lack of communication and assistance has left me frustrated and without a clear path to resolution. 

Non-Compliance with Consumer Protection Laws : Under the FCRA, I am entitled to a fair and timely resolution of disputes, as well as accurate information being reflected on my credit report. Experian 's failure to address the discrepancies and comply with these legal requirements has harmed my financial reputation and caused unnecessary stress. 

I respectfully request that the CFPB investigate this matter and assist in ensuring that Experian takes appropriate action to : Correct the inaccuracies on my credit report without further delay. 
Provide clear communication and updates on the status of my dispute. 
Comply with all relevant consumer protection laws, including those outlined under the FCRA. 
Thank you for your attention to this complaint. I trust the CFPB will assist in resolving this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX and XXXX XXXX, Experian several times by phone and via internet about the hard inquiries I have noticed on my credit report that I didnt authorize I also tried too call the companys its self but got the run around so Im in need of help to get this matter resolved..
Product: Mortgage

Wells Fargo is denying my request for loan modification. Affordability was an issue and the fact the loan was owned by private investors. 
I currently have an estimated balance of {$100000.00}. I would like to submit a payment for {$55000.00} and request the balance be modified with a 30 years mortgage payment. 
Over the last eighteen months I had asked at least XXXX times for a modification and they had denied with the excuse of affordability. However, I feel their lock of cooperation, had a sole purpose of rip-us-off of our equity, our health and our memories. My loan increase from {$72000.00} to {$100000.00} ( estimated only ) and is on the rise every day. I want to settle this off. I even offer to pay off the {$72000.00} initial balance and call the loan paid off. They just do not care but to take my home away from me and my family.
Product: Debt collection

On XX/XX/2022, I submitted a letter to verify a debt but never received a response from the collection agency. So far, its been pass 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not request a look for any credit information about me.
Product: Mortgage

I tried several times for Loan Modification sending the documents several times. 
Wells Fargo did not consider my loan modification process and as a result I have to foreclose my Home
Product: Debt collection

I closed my account with XXXX XXXX in XX/XX/XXXX. Everything was transferred and paid. No balance.. 
XXXX even sent me the letter stating that the account have been closed and transferred. 
I received that letter on XXXX XXXX I have the Letter as proof. 
And XXXX continues the Harrasment against me. I sent all info. To XXXX and the complaint dispute was granted in the favor in XX/XX/XXXX. 
XXXX continues the Harrasment against me. 
This need to stop I have the Letter proof of account being closed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I sent {$3500.00} from Coinbase a US based bitcoin exchange in XXXX XXXX to a XXXX account the was closed down accidentally. The money was then sent to a email account were I was supposed to claim the money. Unfortunately I had no idea it had been sent to it until it had passed 30 days were XXXX the sent the money back to Coinbase. This has been ongoing and started about two weeks before XX/XX/XXXX. I have called Coinbase customer support multiple times and they have told me they were working on it but it no XX/XX/XXXX and I have yet to hear back from them. So I am under the belief that this is fraud. Please help
Product: Credit card

Instead of protecting its customer from credit card fraud, Wells Fargo is giving credit card thief new credit card information without customer 's permission. This way the thief can steal again. 
Wells Fargo is working with XXXX to steal money from its credit card customer. 
I never used my Wells Fargo credit card to pay for a membership at XXXX. 
XXXX stole my Wells Fargo credit card information and secretly charged me {$60.00} for a membership on XX/XX/XXXX without my consent and permission. I did not use their membership service at all. 
Credit card transaction information : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX. 
XXXX did not even notify me of this charge by email or letter. 
I reported this credit card fraud to Wells Fargo by phone and email on XX/XX/XXXX. Wells Fargo immediately terminated my old credit card and sent me a new one. I did receive my new credit card about a week later. But I did not get my {$60.00} refunded. I called Wells Fargo again. They assured me that they would notify me within 2 weeks by email or letter. But 2 months have passed and I have received neither email nor letter. Wells Fargo simply lied to their customer. 

I logged into my Wells Fargo online account to see if I received my {$60.00} refund today. Instead of refunding me {$60.00}, they stole my {$65.00} on XX/XX/XXXX. 

Apparently, Wells Fargo gave my new credit card information to XXXX without my permission. This allowed XXXX to charge me for a new membership again in XXXX without my knowledge and permission, stealing my money again. I never used the XXXX XXXX XXXX in XXXX. 
Credit Card Transaction Information : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX WA # XXXX {$65.00} {$65.00} XXXX XXXX not even notify me of this charge via email or letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is showing on all bureaus account is showing old delinquency. I have since paid off the balance off the loan it is now closed as off XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is not a duplicate nor am I using a credit repair service. I am filing this complaint on my own behalf and I ask that Experian address this correctly and accurately. On dates XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21 I sent letters regarding inaccurate and misleading information on my credit report. XXXX XXXX failed to validate the alleged collection account. XXXX sent some documents with inaccurate information specifically the name on the account is not my name. The FDCRA Credit reporting laws ensure that bureaus report only 100 % accurate information on a consumers credit report and Experian has failed to provide this accurate information after i have sent two letters and additional documents pointing out the inaccurate and misleading information. On XX/XX/21 I also pointed out the same inaccurate information to XXXX  by letter and they responded promptly by correcting the errors and removing it from my credit report. I feel like im being ignored and having issues obtaining credit at a reasonable rate because this false information on my credit report. I demand that this account be deleted immediately or I will file for litigation due to the financial stress and higher interest rate i have to pay on loans!
Product: Debt collection

Several years ago I had a balance of {$2000.00} on a credit card. Due to life issues I ended up not being able to pay and then honestly forgot about it as there was no contact for years. About a year o r two a go they drained my entire bank account and sent me info saying that I now owed {$7000.00}. I understand that this was my debt but that 's just crazy. I have now paid off $  XXXX  of it which seems more than fair in my opinion. However they are still asking for $  XXXX , 200 % of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year XXXX  my mortgage company XXXX XXXX offered homeowners who were struggling with the Covid 19 pandemic a forbearance plan for their mortgage payments. Mine was put into that. My mortgage payments are not 9 payments behind they are current and up to date. I am Not behind on any payments. Ive already spoken with them about this issue and they informed me to dispute the claim as this was not supposed to be reported to the credit bureau as any form of missing payments. This has tremendously impacted my credit score. I would like this matter resolved as quickly as possible.I have already disputed the claim but it did not get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information you listed on my report : XXXX XXXX CT CA XXXX # XXXX : Unverified information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent information.
Product: Checking or savings account

Please refer to previous complaint : XXXX. My son 's Navy Federal Credit Union XXXX XXXX account was hacked and nearly {$9000.00} was stolen by person ( s ) unbeknownst to us. Regarding our previous complaint, Navy Federal 's " investigation '' of this event had gone on for a long period of time and our complaint was pertaining to not receiving any updates from Navy Federal. The previous complaint account was closed by CFPB on XXXX when Navy Federal responded that they were " still working on the issue. '' We finally received a decision from Navy Federal on XX/XX/ that they could not subtantiate that the money was fraudulently removed from the account and thus are holding us financially liable. I am co-owner of the account and neither me, my son nor anyone we know had anything to do with this theft. Navy Federal not being able to prove fraud is NOT the same as proving that we were responsible for this. Additionally, Navy Federal will not share any information regarding their " investigation '' without a subpeoena. We have contacted multiple organizations- Federal Trade Commission , Cyber crime unit of the FBI , and the National Credit Union Association and none of these organization has been able/willing to help us. I have also contacted multiple lawyers and have found no one willing to represent us. Navy Federal promotes a " Zero Liability '' provision for fraudulent activity on their accounts, and I feel that this should apply to us. At a minimum, since they are essentially stating we are guilty of stealing these funds, they should be required to share the information that they feel substantiates this. Otherwise this is analogous to being found guilty without due process. I am hoping that this could be further evaluated and feel that Navy Federal should be made to share their information that implicates us which will ultimately show that we were not found to have committed this crime. Thanks very much for your help with this most distressing matter. 

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

I attempted to create a dispute with Equifax about an auto loan after my credit score dropped 80 points on an account that I am the cosigner of. After several attempts to make a dispute through their website all I could achieve was a statement that they couldn't verify my identity even after receiving a conformation that they had identified my account. It seems to me that they simply did not want to process any request. As I was looking to buy a house at the time the sudden drop of my credit has put finding a home in jeopardy.
Product: Credit reporting or other personal consumer reports

I tried updating my address via a third party app not sure if you work tonight but I check my credit Equifax still had the old address of XXXX XXXX XXXX XXXX XXXX California XXXX I have since moved from the address my address now is XXXX XXXX XXXX XXXX XXXX California XXXX I have included a bank voided check representative proof of my address so please update address information is very vital to my credit thank you
Product: Consumer Loan

I recently paid off my auto loan Volkswagen Credit. At inception of the loan, I was required to send Volkswagen the Ne York title to my vehicle securing the loan. At pay off, I received a letter from Volkswagen Credit stating that I must go to my local Department of Motor Vehicles to obtain a free and clear title, but they did not send me original title back. I do not believe I need new title under New York law but all I need is the original title and the XXXX Lien release document to prove my title is free and clear if I wish to sell the vehicle. By not providing me with the title, Volkswagen credit is causing me to incur undue expense of taking time of work and cost of a replacement title when this is not necessary. I want my original title back to my vehicle from Volkswagen Credit.
Product: Prepaid card

I have XXXX XXXX AmEx gift cards that don't work for any online purchases or bill pay. It's ridiculous that I can't use these cards online when 99 % of my purchases and bill pay are done online and all my information is correct to balance the gift card information and me as the payor. Why can't I use these cards to pay my own bills?? They don't work at stores online or bill paying and no one at Amex can explain why. I'm requesting the funds on my XXXX AmEx gift cards be issued to me via a check as I'm tired of trying to jump through hoop after hoop to use these cards. Is this how they get people to not use the cards so they can keep the funds? That's WRONG!
Product: Mortgage

My household had to apply for a forbearance plan due to a furlough. Once the forbearance period was set to end I opted to have all the missed payments added to the end of our mortgage for an extra 6 months of payments past the initial 30 year plan. I submitted on the website to go this route, sign and notarized paperwork to go this route, and yet despite that someone at LoanCare hit the wrong button and performed a completely unauthorized motion for us to go with a repayment plan instead of the loan deferral. I have called them 6+ times trying to take care of this until finally a supervisor today told me we are essentially stuck doing the unauthorized repayment plan despite there being notes in our account of approved claims for the deferral. I think they are trying to add a loan of missed payments to the end of our initial loan AND make us pay back what we missed during the forbearance as a way to double dip on a family that had unexpected financial troubles related to the pandemic. Now we can't even pay our normal what would have been due mortgage payment on XX/XX/XXXX because " their system is still processing ''. Well, it's been " processing '' for over 2 months now. They deserve to be sued into oblivion, I hope they go out of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've telephoned all 3 credit bureaus regarding hard inquiries that are placed on my credit files. I informed the credit reporting agencies that I did not apply for credit with these institutions requesting my credit profile. Per the credit bureaus instructions, I telephoned all companies listed on my report and informed the of the matter. However, I was eventually referred me back to the credit bureaus. Now I am stuck with these inquiries on my credit report and its effecting my well being because nobody seems to care to help. My job maybe at risk because I am required to maintain a certain credit profile background. The following are not my inquiries : XXXX : XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX and XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX : XXXX XXXX, XXXX XX/XX/XXXX Please help me resolve this matter promptly.
Product: Vehicle loan or lease

XXXX XXXX XXXX  - ( XXXX ) XXXX Monday XX/XX/XXXX XXXX : Called to tell me I had missed a payment. I checked my records and indeed, I had missed a payment because I didn't get a statement. I promptly downloaded a copy of my statement and made the missed payment, and the current payment. Since then, they've called my mobile phone three times, they called me at work twice, and they've called my home land line twice. 

When they called me at work, they would not tell me who they were, so I hung up on them and XXXX  the number. 

I sent in the payment almost 4 days ago, and I told them I would. I feel like they're harassing me and I want them to stop. I've made at least 60 payments without fail and they're not being nice.
Product: Credit reporting or other personal consumer reports

To whom it may concern, My identity was leaked in the XXXX data breach. The thiefs were able to open several accounts, including utilities, Bank accounts, and credit cards. I have reached out to each merchant to get this issue resolved including contacting the fraud department. According to the ( FCRA ) section 1681 ( a ) ,1681 ( b ) ,1681g ( a ) its my right to Accuracy, Fairness, and the Privacy of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted requests to all three credit bureaus about this issue with XXXX XXXX but have not received the appropriate update to my credit file. 
In XXXX My vehicle was towed by authorities in Arizona . I live in California. When i returned home i was expecting a notice to locate my vehicle to buy it back as that is my right under California law. I never received the notice of Seizure from XXXX XXXX, I never received first class mail of the intent to sell the vehicle fro anyone to my residence. I never received proof of the right to redeem from anyone and I never received where the vehicle was sold. I have been in contact with XXXX  XXXX  for years and they can not provide me the proper information regarding the notices I was suppose to received and they keep referring me to XXXX XXXX XXXX  XXXX  for a balance when I have not contract or business dealing with this third party. Now, my credit file is being marked as negative monthly and this should not be the case as they have not provided the proper documents under California law.
Product: Credit card or prepaid card

American express cancelled my card because of me having financial hardship and receiving assistance. I am requesting that american express to CEASE AND DESIST on all mediums. According 15 usc 1692c ( c ) I the consumer, the natural person, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
In addition, American express is in violation of the GLBA because they never was clear and conspicuous about information sharing of my non public personal information. Please prove that you provided with that. 
I was never given opportunity and I made uninformed decision when obtaining the card. They coerced me. When we speak on communication on all mediums a consumer report is considered a form of a communication medium also and I have the right to privacy. 
Demanding to cease and desist. I am not looking for phone calls from your company, do not send me a bill do not reach out to 3rd parties to communicate with me, do not email or contact me on social media. If I receive any communication from Amex on any medium directly and indirectly I will sue you for violating the fdcpa and damages. I am requesting for you to send me out correspondence by mail or through this portal that you are well aware of the cease and desist.
Product: Debt collection

I dispute the inaccurate charge-off status on my credit report for XXXX  XXXX XXXX XXXX XXXX. This account was paid in full and was never legitimately charged off.