23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to file a formal complaint against the credit bureau Experian regarding their lack of response to my dispute letters. Despite my diligent efforts to resolve the issues, I have not received any acknowledgement or response within the required timeframes stipulated by the Fair Credit Reporting Act ( FCRA ). 

To provide some background, I initiated the dispute process on XX/XX/23 by sending dispute letters to the credit bureaus listed below : Experian XXXX XXXX XXXX, XXXX, TX XXXX In my dispute letters, I clearly outlined the specific errors and inaccuracies present on my credit reports and provided all necessary supporting documentation. However, it has been 4 months since I sent these letters, and I have not received any response from the credit bureau. 

Despite my efforts, I have not received any meaningful response or indication that my dispute is being addressed. I would like these accounts deleted, but Im being ignored. 

The non-responsiveness of the credit bureau has had a significant impact on me. Its causing damage to my credit report and Im constantly being ignored by lenders. 

In light of the credit bureaus ' failure to address my dispute in a timely and appropriate manner, I kindly request the assistance of the Consumer Financial Protection Bureau in investigating this matter. I would appreciate it if you could intervene on my behalf to ensure that the credit bureaus promptly respond to my dispute and rectify any errors or inaccuracies on my credit reports. 

I have attached copies of the dispute letters I sent to the credit bureau. These documents provide a comprehensive record of my efforts to resolve this issue directly. 

Thank you for your attention to this matter. I sincerely hope that the Consumer Financial Protection Bureau can help bring about a timely resolution and restore the accuracy of my credit reports.
Product: Debt collection

In XXXX XXXX XXXX I had multiple identity thefts. Had addition monitoring services. In XXXX I reported fraud charges on a CITI bank credit card. After doing this, fraud charge was credited back to the account. I spoke with CITI bank fraud department assuring me after there review they were able to confirm fraud / identity theft as the charge was in another state. Confirmed signatures did not match. I learned year or two later it was sent to collections. Now XX/XX/XXXX XXXX XXXX has put this on my credit report. I have disputed this with all 3 credit agencies. To my understanding this was complete in XX/XX/XXXX. All other fraud from identity theft has been removed. There was cable, XXXX XXXX energy. My purse was stolen out of my car in XXXX  I believe this and a XXXX email is how it was compromised. I would like to dispute this issue immediately. Please assist me with doing so.
Product: Checking or savings account

On XX/XX/XXXX, I noticed a banking error on Wells Fargo with my checking account. I called the online banking customer service line and spoke with them about the matter about XXXX EST. 

The issue was that 7 days prior, I had only one transaction and that was to pay my {$96.00} XXXX  bill. I received the confirmation email from XXXX. Then I received an email from Wells Fargo confirming my " new '' avaialable balance that was approximately {$97.00} less ( than before the XXXX payment. ) So, on XX/XX/XXXX, XXXX contacted me that the payment could not go through ans advised me to contact my banking institution. I did ( as mentioned before. ) Wells Fargo rep. 's spinned me around in circles around the issue stating there was no XXXX transaction that day. She also at one point denied Wells Fargo sending me the account balance updates ( via email ). I asked well how do you explain the missing amount from the account? And multiple days of the balance calculations being off on my posted available balance? 
I had previous concerns with my available balances being off at Wells Fargo, so I asked for an official investigation of the matter. The rep. explained the process and stated once submitted, that department would send an email to me. They did- the next day, XXXX. 
The WF Line of Business/ Concerns email stating they'd look into the matter and would get in touch in 10 business days. I never heard back, so I called Wells Fargo on Tuesday, XX/XX/2024 about XXXX : XXXX. 
The rep. named XXXX stated there was no record of my calling, no case posted as I'd described and no claim listed that correspond with the emails I received. He gave no explanation for theor lack of interest in my report nor apologized for their error and refused to transfer me to whom could help me better with my important financial concerns. He stated he was in Claims and I was speaking to whom I needed to ( him. ) With no help, no investigation and no expalnation where our money was... 
I concluded that a higher up, corporate level need to be informed of these errors, dismissals and lack of interests to a long time customer. I decided to report this also to CFPB.
Product: Student loan

We were advised to use forbearance early in our loan and while going to school still. Looking back and now knowing what I know we should have been making what payments we could. Interest accrued during this time has really added up to a large sum.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints to the creditors as well as to the cra 's ( XXXX, XXXX, XXXX ) in regards to the improper reporting and violations of 15USC1681 ( a ), 15USC1681 ( a ) sec ( 3 ), 1581USC 1681 ( a ) sec ( 4 ) and 15 USC 1681 ( b ) ( 1 )
Product: Student loan

I accidentally overpaid one of my Student Loans by {$11000.00}. Now I am seeing a negative loan balance in my account for the 1-01 Direct Loan - Unsubsidized due to overpayment. I had intended to use this {$11000.00} to pay off my second loan, the 1-02 Direct Loan - Unsubsidized on XX/XX/XXXX. In other words, I paid {$25000.00} towards 1-01 Direct Loan - Unsubsidized when I only had {$14000.00} in debt from this loan. I am owed a refund of {$11000.00} due to this overpayment of my 1-01 Direct Loan - Unsubsidized, and would like to put the refunded money towards my second loan 1-02 Direct Loan - Unsubsidized. I attempted emailing EdFinancial on XX/XX/XXXX, and have called requesting callback on XX/XX/XXXX and XX/XX/XXXX, yet have still not heard back. With all 3 attempts, I was told I would receive a response that never came. The loan repayments are scheduled to begin XX/XX/XXXX, and I would like to have these funds to be able to pay off my loans before that date, to avoid interest accrual. EdFinancial is inundated with customer calls and messages, and is not responding to my request for refund of {$11000.00} overpayment. My EdFinancial account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00} ; XXXX  XXXX XXXX Balance : {$500.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$32000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$47000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX  XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I represent an account holder as power of attorney. Marcus by Goldman Sachs locked the account holders account access based on a fraud flag and has refused for more than six weeks to unlock the account. Every time I call, they either ask for more information or say that a supervisor will call me back, but a supervisor has never called me to date despite multiple requests. 

I provided Power of Attorney documentation to Marcus so that I could assist with getting access to her money restored. In early XX/XX/2023, I contacted Marcus customer service on her behalf. I was told that the Power of Attorney documentation could take up to 30 days to process and instructed to call back later. I called back again the following week and was told to call back in a few business days to allow additional time for processing. I called back again on XX/XX/XXXX. After initially being told that my Power of Attorney documentation was not received, I was finally told that it was, in fact, received and was being processed. I was promised that a supervisor would call me within three business days. That did not occur. I called back on XX/XX/XXXX and spent more than an hour on the phone. I was told for the first time that Marcus would need to speak with the account holder, but she is incapacitated. I was then told for the first time that Marcus would need a physician note to accept the POA. That, of course, is not how POA law works and has never been requested of me by any other financial institution in my time serving as POA.
Product: Payday loan, title loan, or personal loan

On XXXX  the manager of 1st Choice Loans in XXXX XXXX, XXXX XXXX, used his personal cell phone to contact my place of employment on a business related matter. When i answered the phone and identified my company and myself he then hung up on me. I called the office number to 1st Choice Loans. XXXX XXXX answered the phone announcing himself. I told him who I was and asked if I could assist him with anything only for him to rudely disconnect the call without saying anything in reply. I have previously advised XXXX XXXX and his assistant to not contact my employer anymore... this is the 2nd attempted contact from XXXX XXXX since being instructed to not call my employer. This is not the first time he has used his personal cell phone to contact me to conduct business related to 1st choice loans. His actions are very rude and unprofessional.
Product: Mortgage

We wrote and mailed our mortgage payment on XX/XX/XXXX. The company did not process the check until XX/XX/XXXX and charged us a late fee. I tried to get this reversed but they refused. I have been making various mortgage payments since XX/XX/XXXX with no late pays on my record. Now I have one and am being charged {$78.00} if late fees and I have a late on my record.

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

In accordance with the Fair Credit Reporting Act, Early Warning Services and XXXX have violated my rights. 

15 U.S. Code 1681i : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. Code 1681c2 : 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 15 U.S. Code 1681s2 : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681e Subsection B : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was diagnosed with XXXX in XXXX of XXXX. I notified my auto loan company XXXX XXXX. I was not able to reopen my office to go back to work until XX/XX/XXXX. I struggled with re opening as it took a bit for me to rebuild my customer base as I am a XXXX and had to wait for our courts to reopen so my clients could file their documents after I prepared them. The courts did not open until XX/XX/XXXX due to the courts not opening up until XX/XX/XXXX. I struggled due to having to rebuild my client base. I never received any XXXX assistance through XXXX. There was a moratorium order to protect consumers credit. I informed XXXX XXXX, but test they kept dinging my credit score which was against regulations. They never assisted me. I need all the lates removed from my credit. In XXXX of XXXX I came to an agreement with XXXX XXXX. I paid {$7000.00} and the sent me a XXXX for the balance to file on my credit report. There was no charge off as they reported charge off on my credit. It couldnt be charged off if I paid them directly.
Product: Vehicle loan or lease

Car was repossessed on XX/XX/XXXX without notification and not from my home. 
The payment was made on XX/XX/XXXX to reclaim the vehicle in the amount of {$2800.00} and I was told I would be able to pick up the vehicle on the same day. Called to schedule to pick up the vehicle and there are no " appointments '' for today and I have to pick the car up tomorrow and pay an additional day of storage totally 5 days @ {$30.00} vs 4 days @ {$30.00}.
Product: Credit reporting or other personal consumer reports

This is related to XXXX replacing these HARD inquiries back unto my credit report after they were removed in early XXXX alone with a police report for identity theft, as I have resubmitted a police report stating these grounds ( SEE ATTACHENT ) I have also attached dates starting XX/XX/XXXX, XX/XX/XXXX, where you clearly see that there wasn't any hard inquiries on my credit report, this was only done after I had submitted a dispute to XXXX regarding Experian XXXX services showing these ( XXXX ) HARD inquiries on XXXX at that time that wasn't on my credit report which was on XX/XX/XXXX. From that day they had spoken with Experian related to these issues, and Experian change their mind set, and sway them to place these ( XXXX ) HARD inquiries back unto my credit report, which is not how the law works as for as consumer law where identity theft, and fraud had taken place. This is totally a spiteful move, as well as unethical wrong and need to be addressed. XXXX has now hindered my credit report to attain credit worthiness from lenders. Hard inquiries can't be removed, however, unless they're the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an inquiry from XXXXXXXX XXXX XXXXXXXX dated XX/XX/XXXX on my credit report. I called and spoke with a gentleman by the name of XXXX I explained I did not authorize the inquiry and was told he would need to check the cameras for that day???? How would checking the surveillance cameras assist in finding out who or how my info was provided. You need a social and a valid ID for that. He then directed me to XXXX in financing. I left two voicemails but I have not heard back. I reached out To the XXXX of XXXX through XXXX and received a response from XXXX. Was contacted by XXXX XXXX who unfortunately was unable to assist but suggested I should call XXXX XXXX. I just need a letter of explanation or remove the inquiry from my credit report please. 
I have not visited XXXX of XXXX. I just purchased a XXXX in XXXX of XXXX.
Product: Credit reporting

Experian is currently reporting inaccuracies in my credit report. There are XXXX student loan accounts that were never late and they continue to add more that all have the same account number but are reporting incorrectly. According to FTC opinion on the FCRA Sec. 623 ( a ) ( 2 ) of the Fair Credit Reporting Act requires a furnisher of information to provide corrected or updated information to all of the consumer reporting agencies ( credit bureaus ) to which it was originally reported, regardless of the fact that the information was accurate when originally reported. Also under the Higher Education Act ( HEA ) Updating and correcting previously reported information includes removing default history after a borrower successfully rehabilitates, as required by Sec. 464 ( h ) of the HEA, as well as correcting a reported delinquency to reflect the application of a retroactive deferment and forbearance that ultimately converted the original period of delinquency into a period when no payment was due. I have letter from the original furnisher showing that my account was indeed in forbearance from XXXX which is when these late are showing incorrectly on my credit report. Instead of fixing these errors Experian has taken more than the allotted time and has added closed accounts with the same account number with no clear reporting of these accounts. Also I the other inaccuracies that are not being properly investigated and shown proof under FCRA laws that show me the validity of these accounts that I have asked for many times now I the investigation is taking longer than the timeframe given by law. Experian continues to report inaccurate personal information that when I call they assure me that it has deleted but when I get the updated report it continues to show up when they tell me it has been deleted. If Experian continues to disregard my dispute and FCRA, FTC and HEA laws set in place then I will be forced to file suit after exhausting all options to rectify this issue. They are bound by these laws set in place so follow the law. This is also through my own due diligence so I do n't need to get a response that questions my intelligence to writing this as this is my own verbiage any stall tactics will be recorded and dully noted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection from XXXX XXXX XXXX XXXX in my Experian credit report because the delinquent XXXX  XXXX XXXX account does not belong to me. The account is opened by my tenant, and I don't how the account is a joint account with my name on it because I have not signed any contract. I have submitted an email to Experian showing that my tenant has agreed to paid off the balance. I don't know if she will eventually pay it off, but this is evidence that I'm not responsible for this account. 

My credit score is lowered at no fault of my own. Experian 's dispute results stated that the collection is " Verified and Updated '', and the collection is not removed. I don't understand how Experian verified the collection because I have not signed any contract, and I should not be responsible for the actions of my tenant. Experian is blindingly taking XXXX word without requesting for hard evidence. Experian is complicit in this fraud and harassment.
Product: Checking or savings account

I have closed XXXX XXXX XXXX with Ally Bank ( XXXX XXXX  ) for the amount of {$98000.00} each plus interest on XX/XX/2023 with this bank which I had an external checking accounts stablished for years ( XXXX XXXX XXXX ) After closing directed the Bank to transfer the fund to my established act at XXXX they informed me that will take XXXX bossiness days that was odd because other transfer between accounts usually is couple of days but anyway I never received the funds within XXXX business days so after many calls they informed me that they sent the funds to a wrong accounts and that takes XXXX business days to get it back and another XXXX business I will get our money I need the money for my XXXX I am a senior and afraid that they are playing game is there anyway your agency can get involve and assure that we receive our retirement funds. 
Truly appreciate your efforts, Regards XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Well I had sent {$100.00} to my fiance who lives in XXXX through the Remitly app, but nomne of the banks in her city use their app. So, I tried contacting them multiple times to which after explaining this, they told me that they would take it to their internal team to fix the problem and to allow 3 business days for it to return, this was on a Tuesday. I've had to contact them again today to try and get my money back, to which they told me again that they were taking it to the internal team and to wait another three days for a return
Product: Credit card

Unauthorized charges were made on my Citi VISA card. The charges were made in XXXX, XXXX. I live and work in XXXX, XXXX. I was not in XXXX on the dates of unauthorized use. The amounts were all suspiciously large even numbers : {$400.00}, XXXX etc. amounting to over {$2600.00}. These charges in no way resemble the pattern of spending history previously or after the disputed charges. I have tried repeatedly to dispute the charges with Citi. They just sent me a letter stating that " since my name was on the card '' I would be responsible for the charges. The stated policy of the bank is that I am not responsbile for any disputed charges.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND OBSERVED SOME UNAUTHORIZED INQUIRIES STILL REPORTING. 

XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove this unauthorized inquiry from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove this unauthorized inquiry from my credit report. 

TransUnion 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove this unauthorized inquiry from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove this unauthorized inquiry from my credit report
Product: Credit card or prepaid card

Discover Card statement indicated due date for payment XX/XX/2022. On XX/XX/2022 I attempted to make a payment using Discover.com. Payment date of XX/XX/2022 was not an available date to make/apply the payment.The soonest available date to make/apply payment was tomorrow, XX/XX/2022 ( one day after payment due date ). I attempted to use automated phone payment system. Again, the soonest available date to make payment was XX/XX/2022. I then called customer service, an was told by the representative that payments after XXXX XXXX XXXX XXXX XXXX would be applied next day. I again used the online payment system and was forced to select XX/XX/2022 as the payment date. During payment confirmation, on XX/XX/2022 the website noted that payments made before XXXX XXXX ET would be effective same day. 

Although statement due date was communicated to be XX/XX/2022, the payment was required prior XXXX XXXX ET. This cutoff time was not indicated on the statement or on my online portal until the confirmation page. Although I was paid balance on XX/XX/2022 and selected the soonest effective date available, I am now subject to charges and fees as if payment was made after due date.