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

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for Failure to Properly Investigate Credit Report Dispute Dear Sir/Madam , I am writing to file a formal complaint against Experian for failing to properly investigate a dispute regarding inaccurate information on my credit report. Despite my clear communication of the dispute and the supporting documentation I provided, Experian has failed to meet the legal requirements set forth by the Fair Credit Reporting Act ( FCRA ) in conducting a reasonable investigation. 

On [ insert date of dispute ], I disputed an item on my Experian credit report that I believe to be inaccurate. The disputed item is as follows : [ Describe the disputed item, such as : " An account listed under XXXX XXXX XXXX with a balance of {$500.00}, which is inaccurate or outdated. '' ] Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian is legally required to conduct a reasonable investigation upon receiving a dispute, to review all relevant evidence, and to correct or remove any inaccuracies on my credit report. However, despite submitting the necessary supporting documents ( e.g., payment records, correspondence with the creditor ), Experian failed to : Provide me with a proper response explaining the results of the investigation. 
Correct or update the inaccurate information on my report, even though it was substantiated with evidence. 
Respond to my dispute within the required time frame. 
This failure violates my rights under the FCRA. Specifically, the law requires credit reporting agencies to ensure that disputed information is investigated thoroughly and corrected if it can not be verified as accurate. The case law in XXXX XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  makes clear that credit reporting agencies are obligated to take appropriate measures to correct information that is inaccurate or unverifiable. Similarly, in XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court held that the failure to conduct a proper investigation and communicate results violates consumer protection laws. 

Due to Experian 's noncompliance with the FCRA, I am requesting the CFPB 's assistance in : Ensuring that Experian promptly re-investigates the disputed item ( XXXX ). 
Correcting any inaccuracies found in the report. 
Holding Experian accountable for its failure to meet legal obligations. 
I have attached copies of the relevant documentation, including my original dispute correspondence, proof of the inaccurate information, and my credit report showing the disputed entry. 

I appreciate your prompt attention to this matter and request that the CFPB take all necessary steps to ensure Experian complies with the law.
Product: Debt collection

I sent a letter of debt verification to Monterey Collections, XXXX, CA XXXX in XX/XX/2017. They sent me a letter stating that they will not send me verification of this debt.
Product: Mortgage

I received a Covid-19 Forbearance for my mortgage for the year of XXXX. Upon the end of our forbearance ( XXXX XXXX ) we started making on-time payments on our mortgage beginning XXXX XXXX. When we called to cancel our forbearance we told the " Loss Mitigation Department '' that we wanted to do the loan modification with partial claim. At the time we were under the impression that according to the " Cares Act '' this would not affect our credit as well as an employee in the the Loss mitigation department told us it would not. Upon receiving the documents in XXXX of this year we noticed in the documents that it stated it WOULD affect our credit so we decided it would be best not to do the loan modification and only do the partial claim option. I called the loss mitigation department to convey this back in XXXX and they told me they would have to redo the paperwork and would send me documents in the mail. Fast forward to today -- - I still have not received any documents from the bank for the single claim option, I have called every week since XXXX only to get the same answer that " its been escalated and we should receive our documents soon '' They even told me once that they were mailed but we never got them if that is even true. By law our bank statement should reflect the payments we have made since XXXX of this year, which it does not. It shows that we are behind, and shows all the months this year that we have not paid when in fact we have paid AHEAD of time every month and I have bank statements to prove it as well. It should not take almost 5 months to send someone some paper work. We have been in limbo with our mortgage and enough is enough. I am tired of getting the run around by this bank, their employees, and the shady practices they are implementing. It is absolutely pointless to even call them, b/c we get the same answer and no results. We are at a loss of what to do. I am trying to get a home improvement loan and I can't b/c our bank statement is incorrect and shows that we are delinquent and owe XXXX?? This needs to be corrected ASAP
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) starting calling me XX/XX/XXXX and have called everyday since, with exception of Sundays. They never leave a message. They have called sometimes twice a day using four different numbers which I have searched online and have come back with their information. 
Here are the numbers : - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX - XXXX ( XXXX ) XXXX I had answered one call from them, however they would not identify who they were and why they were calling without me verifying who I was, and I will not identify myself because of all the scams that are going around. Also, it is my understanding that they must identify who they are and why they are calling. 

I received a letter dated the XX/XX/XXXX, but the letter was not received until the XXXX, but they started calling on the 13th. It my understanding that they can not call you before the letter is received. 

My debt was originally through XXXX Hospital/XXXX. I had been in contact with them and made a {$30.00} payment to XXXX on Friday XX/XX/XXXX. I received the letter Saturday XX/XX/XXXX and was unable to contact either place of business because they were closed. XXXX called Saturday the XXXX at XXXX EST , which was XXXX their time. They close at XXXX on XXXX, which only gave me a window of 13 minute to call them back. Which I would have, if I had received the letter before that time. 

I called XXXX today ( XX/XX/XXXX ) to ask if my account had been transferred to XXXX and they had no knowledge of this and had not received word from the hospital to close the account. They were going to look into it and I am going to call them back tomorrow ( XX/XX/XXXX ) to find out what the outcome is. 

I then called XXXX today to explain the situation. They were trying to argue that they had purchased the account and that XXXX was lying to me and to not believe them. I tried to explain to them that I had just talked to XXXX  and paid them a {$30.00} payment Friday. They refused to listen to what I had to say and kept trying to argue with me that I didnt know what I was talking about and that XXXX was lying. They also tried to say that the debt was from XXXX, which technically it is, but that is after fighting with the hospital for three years to change a procedure code and I went from owing $ 4000+ to {$600.00}. 

I also told them I was going to report them to the XXXX because they were harassing me with phone calls which is illegal, along with not identifying who they were when asked. I told them to stop calling and they calling me another time today. 

They transferred me to a supervisor, which took 10 plus minutes and I feel I was just talking to the same person because she started with one accent and switched halfway through to the accent of the person I had originally talked too. 

I also told them that I couldnt afford their ridiculous payment plan which was either ~ {$200.00} for 3 months or a one lump sum of XXXX {$480.00}. They asked how much I could pay and I told them about {$30.00} a month and they asked if I wanted to set up a payment plan, I told them not until this confusion gets resolved and she hung up on me.
Product: Mortgage

We received a notice from the county we live in that our XXXX tax payment had not been received. If the new tax amount with the late fee is not paid by XX/XX/XXXX there would be further penalties and potential tax sale. I called Mr. Cooper, our mortgage company , the day we received the notice. While it took a while for me to actually speak to a live agent, I eventually got through and was told that this would be put through to their tax department and that it would be handled. A few days go by I dont hear anything so I follow up with a live chat as it was much easier to get a hold of somebody that way, and was then told I needed to email the tax notice to them. So I did that, and within a few days I could see that the disbursement was made from our escrow account in the amount of our property taxes on XX/XX/XXXX. I continued to check the county website to see if our taxes had been paid and they had not so I reached out over chat two or three more times to Mr. Cooper and was told every time that the payment was mailed on XX/XX/XXXX, so I continued to follow up with our county and check the website and no tax payment was made. With the new deadline being XX/XX/XXXX, I called Mr. Cooper and talked to a live agent on XX/XX/XXXX to let them know that we were going to pay the tax payment ourselves because we did not want a tax lien placed against us. At this time, I spoke to the agent and was informed the check was just mailed the day before on XX/XX/XXXX. At that time, I told her we will pay this ourselves and asked how the reimbursement process would work. She said once they receive their check back from the county, I would have to call to do an off cycle escrow analysis and would be refunded whatever was owed to us. So part one of my complaint is that they didnt pay the taxes out of our escrow account in the first place. The more infuriating part is that I was told on multiple occasions that the check had already been mailed when, In fact, it had not. And that the mortgage company would allow us to get to the point where a tax lien was going to be placed is unacceptable.
Product: Prepaid card

My apartment building had made some mistakes and offered me a {$500.00} gift card to make up for the issues I had been having. I received the gift card in XXXX and about a week after I went to use it. Not only had the card been used but has been used in its entirety out of a store in Texas when I live in California. I reported the issues to vanilla gift cards on XX/XX/XXXX and a case number was assigned via email XXXX. Since then, I have called and emailed asking for updates with 0 correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nelnet was on pause while bankruptcy proceedings and still waited months later to report 6 payments being late. It was a forbearance and a COVID-19 were they on pause for any type of payment.
Product: Credit reporting or other personal consumer reports

CFPB has recently filled a lawsuit against Equifax, alleging systemic issues such as failing to furnish, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence, I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inactions violates federal laws and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the process of purchasing a home and XXXX credit agency has my credit score in the high 500s where the other credit agency have me in the highest 600 ... I'm making every attempt to contact XXXX to see what they have on record and they're not allowing me to get access to my report without and putting my credit card information.. I really just want them to look at all of my trade lines that are old, remove them and update all current and existing tradelines to reflect accurate information so that my credit score is consistent
Product: Credit reporting or other personal consumer reports

My account with XX/XX/XXXX was never late! I have had exceptional payment history witH XX/XX/XXXXXXXX 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 my 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 XX/XX/XXXX 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 or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

I've already filed a claim about Truist Bank/BBT ... they closed my account of XXXX  years because they " thought '' I was involved in fraud with my acct ( which I fell for a stupid scam on line ) and left my with a huge balance with service charges. I had a deposit come thru for XXXX on XXXX. Well they keep my deposit on my " CLOSED '' account and they will NOT refund me for the deposit just made after they closed my account! 
HELP ME!!! 
They just keep adding and adding to this " closed account ''!
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$610.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to the agencies claiming that I owe a debt. I was unaware of who these agencies were, so I requested proof and validation of the alleged debt. I sent these letters via certified mail, but I have not received any validation in response. This issue has been ongoing for over a year, with no resolution. 

Midland Management
Product: Mortgage

My account has a escrow shortage and my county has agreed to refund {$3400.00} for the overpayment and shortage. On XX/XX/2021 the supervisor from the county tax office and I did conference call with the tax department at my mortgage company and a refund request application was sent to the mortgage company and they still will not fill out the form and send back to the tax office to at least try to help bring my account current. I have never missed a payment and yet again my mortgage company is refusing to work with me to make sure that I don't get behind in payments because the shortage has caused my monthly mortgage payments to increase to XXXX monthly. I am a single mom who is only trying to provide the best life possible for my daughter. I can't afford {$3200.00} monthly, this will cause financial hardship and possible foreclosure. I wish the tax department would just send the signed refund request application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I then contacted the authorities and made an identity theft report. After that, I sent a letter with my identity theft report and 3 forms of identification to Transunion on XX/XX/2021, explaining that there were fraudulent accounts and unauthorized inquiries on my credit report and i requested that it be removed by law. I still havent gotten a response from Transunion and it has been over 30 days. 

Below I have attached the identity theft report and 3 forms of identification and the letter i sent over 30 days ago to Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I need help with a dispute that I sent on XX/XX/2020 regarding some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. This makes me feel like I am being ignored by the bureaus. This has caused me a lot of stress and I am asking that these items be removed from my credit report. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a written dispute by mail with TransUnion. On XXXX of the first XXXX  days of XXXX 2019 I had a letter from them. In their letter they claimed before they could mail me anything after investigating my dispute, I needed to provide them with " Proof of Current Mailing Address '' They had a list of personal documents ranging from Government Issued ID card to Bank statements to my XXXX card. All documents you should be very careful about having circulate in public. The letter then seems to give the consumer advise about how to protect their personal information ; keep an eye on your credit ; be careful on the internet ; lock your credit report are what they suggest. Then they go on to say that " You can do some of the above on your own, but you can do even more with XXXX  The letter says TransUnion created this Identity protection service to help consumers. To their credit they do say it is a free service. 

The second page titled " Disclosure Request Form '' request name, current and previous address date of birth and social security number. It then lists documents you can submit as Proof of Current Address and another list for Proof of Social Security Number ; Proof of Date of Birth and a list of XXXX  bullet points about what is acceptable. What makes this form deceptive and nothing but a thinly vailed sales come on is that it says to use this form to get a copy of your credit report and to attach whichever documents you send them to it and " if you wish you may also use this form to purchase a credit score and have it sent with your report/ '' Well think about this. They need proof of your mailing address that is the premiss, so why do they then want proof of your ssn, dob etc? What to they have to do with your address. Oh and btw you can use this same form to order your credit score for {$9.00} also. 

They mailed the form to you at your address. You sent it back, doesnt that prove your address? Of course it does, this form is deceptive and on the surface appears to tell the consumer they need to take action not required by the FCRA to provide proof of address, when in reality it is nothing but a sales letter designed for TransUnion to use the onus of the fact they are a credit reporting service to scare the average consumer into turning over information and copies of personal documents TransUnion has no need to have IF as they say they need you to provide proof of your current address..which as I said by responding you have. 
When I called TransUnion and voiced the above to the customer service rep she got flustered and transferred me to a supervisor. The supervisor asked me to say my name, address etc and then told me i had been verified and did not have to return this form or take any other action. 

This is nothing but deceptive and they should be prevented from duping the consumer in this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

After ongoing disputes, Experian and XXXX have reported inaccurate information to my credit file. I have recorded and expressed several complaints regarding the inaccuracies, and are willfully reporting information that is harmful to my ability to extend my credit. I have attached and highlighted the inaccuracies in my credit report in the attachments.