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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint Against Experian for Inaccurate Reporting Dear CFPB, I am writing to file a formal complaint against Experian regarding their handling of my credit report regarding my XXXX. The information indicates that the account was opened in XX/XX/XXXX and was paid and closed without any late payments. However, it appears that this item was deleted from the report as of XX/XX/XXXX. 

If you have specific questions about this report or need assistance with understanding credit reports, feel free to ask! 

It is unreasonable for any consumer to have a positive payment history erased from their credit report. 

This situation is exacerbated by the contradictory statements I have received. For instance, I was informed that my account had been verified as accurate while simultaneously being told that this item has been deleted. Such conflicting information is not only confusing but also indicative of a failure to adequately investigate and address consumer disputes. 

This pattern mirrors the troubling practices of Equifax, which was recently sued for failing to conduct thorough investigations of consumer disputes. Equifax sent to consumers sometimes contained confusing or contradictory statements, such as both this has been verified as accurate and this item has been deleted.Experian appears to be employing similar tactics, ignoring relevant information and providing contradictory statements in their communication, causing undue harm to consumers like myself.

I urge the CFPB to take immediate action against Experian for their continued failure to uphold accurate reporting standards and for not adequately addressing consumer disputes. This pattern of behavior must be stopped to protect consumers from damaging credit report inaccuracies that can significantly impact our financial well-being.

Thank you for your attention to this matter. I look forward to your prompt response and the necessary action to hold Experian accountable.

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: Checking or savings account

I accepted a promotional offer of {$400.00} to open a new checking account. The terms stated I must have {$3000.00} in direct deposits for three consecutive months within 150 days and that I can't have received another bonus in the previous 12 months. 

I met these conditions along with every other condition. Yet the bank is denying me the bonus. I have escalated this matter multiple times with the bank, the last being with XXXX XXXX via telephone. 

The bank is claiming that my deposits were not direct deposits. This claim can be disproven by their own protocols. The accounts has a {$500.00} per month direct deposit requirement to avoid the monthly fee. In six months, I've never paid that fee. Despite my only deposits for most of those months being these direct deposits. 

The direct deposits came directly from my employer from a business checking account at XXXX. 

One rep mentioned that I'd received a bonus in the prior 12 months. That is also not true. A promotional offer was applied to my account but I never received that bonus. Their terms specifically state you must have received the bonus previously. I never did. 

It is clear to me that Wells Fargo is merely trying to come up with any reason they can to deny me this bonus. I ask they be reprimanded for this behavior.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 We received documents from lawyers stating our class action lawsuit was settled and we would receive a settlement payment added son to account in XX/XX/2023 received and signed disbursement documents in XX/XX/2023 received check from XXXX XXXX  and deposit in account said would be available in 10 days ok no problem then next day I go to buy groceries as this is my daily account and debit card won't work call chase and they say there is a restriction on my account due to the check hold went between lawyers and bank for XXXX hrs and lawyers say the bank needs to verify check by calling the number on the check ( which does trace back to lawyers and disbursement company ) but said its not in there system and cant verify and will be closing my account in XXXX XXXX  even if check clears unable to disburse my money due to not being able to call and verify check even though the number on the check is correct the bank on the check verified the account but the bank wanta to speak to the person that made the check but refuses to call the number and now i an unable to access any of my money not just the settlement chech but my paycheck that pays my bills and puts gas in my car the get to work and no one will help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the XXXX dealership XXXX and XXXX of XXXX look at a car. After that tons of inquiries started showing up left and right. I don't know what's going on. I filed complaint on XXXX XXXX. website. 


The report reference number is XXXX. Thank you for taking the time out for me. Have a blessed day
Product: Debt collection

I lost my job and I communicated this to Honda Financial, they constantly called me and even requested forbarance but they told me they could not offer me that since I only owed them around XXXX, this continued until I owed just {$260.00} despite me having a long record of paying Honda on time. It felt like I didn't get the consideration I was owed for making a majority of XXXX payments on time the constant calls while I had fallen on hard times and threats of reposession caused me physical discomfort and lightheadedness. This process lasted from XX/XX/XXXX until XX/XX/XXXX when I paid off the car completely. The final straw was when I was contacted about my final {$260.00} when I had already made 2 payments the same month. I was even told they may reposses at that balance as well.
Product: Mortgage

I am trying to get a home loan with Private Bank and working with XXXX XXXX since the XXXX to lock in my loan. She has been very unproffesional and my loan amount and closing cost have changed over XXXX times. I orginially was receiving a state sponsored grant and was waiting the extra 30 days to process this grant. However, XXXX was n't aware of the techniqualities of the grant so a week before closing she told me I was n't able to receive the grant and had to rework my loan. Fast forward to closing, 20 minutes before closing XXXX sends me an email stating that I have too many credits and I need to bring an extra amount to the closing. I called, emailed and received no response. You would think XXXX knew this once the HUD statement was released or by her using her 20+ years as a mortgage lender ( she tauted this many times ) she would have known the laws and understand before 20 minutes of the closing that my loan was incorrect. My realtor called her to try to settle it and they exchanged unpleasant words. I received an email from XXXX an hour later stating that because she got into with my realtor she is quitting my loan. At this point I have no idea when I am closing, my things are packed and I am being kicked out of my apartment. The Private Bank has n't returned my emails and I am in the dark. I do n't know what to do, so I am sending this message in hopes that someone can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( DP OF EDUC Date Opened : XX/XX/XXXX Amount : {$47000.00} ) ( DP OF EDUC Date Opened : XX/XX/XXXX Amount : {$43000.00} ) ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$7900.00} ) ( XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX US SM BUS ADMIN ODA : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX )
Product: Debt collection

I have received several notices from XXXX XXXX  XXXX regarding accounts I supposedly owe money to. They have garnished my wages and wiped out my bank accounts. The accounts are joint but they wipe out my husband 's social security money that is deposited there too. I send them proof of what funds are not my earnings and they say they never received that. My wages are garnished. They say the debt belongs to Midland Funding, LLC and I have to call them regarding what the debt is for. Midland says I have to get the information from XXXX. They say I was served papers. I never was. I don't know if my identity has been stolen or what but this is crazy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. I have spoken with XXXX XXXX at nauseam about this yet they have failed to remove the account despite confirming they would do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only Credit Bureau That is not updating my credit store or reporting accurate information. MULTIPLE accounts had to be removed and disputed due to their lack of diligence. Once fraudulent reports were removed they still did not update my account or score. I have now been added as a authorized user to a new account and they are also not reporting this. They are also showing false information when it comes to my credit score with other Bureaus. I had to go to XXXX and XXXX actual website create an account with each of Bureaus just to get accurate information. My score on XXXX is XXXX my score on XXXX is XXXX but Experian is reporting that my score is XXXX which is absolute blasphemy! I have tried to dispute, call and email Experian with no change and XXXX response, I am looking into possibly opening a lawsuit against Experian for these reasons. And this is also why I am filing this dispute they should not be allowed to function in this manner while working in such a sensitive industry.
Product: Checking or savings account

The company name is cash app I done had the app for 5 years or longer started using it and all of a sudden my features had been locked when I was trying to use the cash app card with XXXX it kept asking me to verify and it kept refunding the money back to the card during a purchase and then they locked my card only thing I can use is someone sending money in and me sending it out but far as trying to make a payment or anything I contacted customer service and they said my features had been disable due to fraud just to secure the account and I never use the card in a fraudulent way I always use cash app and I just want to be reimbursed
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX, AND XXXX ARE STILL REPORTING FRAUDULENT ACCOUNT INFORMATION IN MY NAME. THE FRAUDULENT ACCOUNTS ARE ( XXXX XXXX / XXXX XXXX, XXXX XXXX, XXXX XXXX, AND TAX LIEN PUBLIC RECORDS FRAUDULENT INQUIRIES XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 

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

According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act.

Delete account immediately for violating 15 USC 1681EB!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to each credit reporting agency and they have been closing my complaints every time. I am giving authorization to to pursue this complaint. I have attached my credit report for this account and there are multiple discrepancies on all three credit reporting agencies. The open dates, high credit amount, the inaccurate late payments dates are also inconsistent. Also there are missing report dates as well. These numbers and dates are supposed to be the same. If all three credit reporting agencies receive the same information from the same creditor, why are these numbers so vastly different?
Product: Credit reporting

Had a fraudulent bill as a result of identity theft at an old apt with XXXX on my credit in collections, disputed the bill collection was removed from all XXXXreports now XXXX keeps reporting on my payment history that I have an open acct with them and I 'm missing payments every month ruining my credit I have had this removed from all other credit bureaus except experian who just keeps telling me the info is accurate and and was verified by the company I do n't understand how I 'm being reported as not making payments when I do n't have an open acct and it was found that the original acct was removed
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I mailed my FTC Report, License and police report to XXXX, XXXX Equifax.
Product: Prepaid card

I have an account with Rushcard and I 'm sure you know why I 'm sending this complaint. I have not received mymy direct deposit from my employer due to the " technical glitch '' they suffered. It 's quite obvious I 'm struggling to get by I jus want wages and dealing with these representatives for 10 days has made things more stressful. Yesterday I called and they said my funds are showing but there 's a problem from it to deposit on to my card. The lady said that she put in an escalation ticket to a higher up to deposit my funds. I wake up today to find no funds in my account still. I called to find out what happened and they told me my deposit is not showing. From there I asked to talk to a supervisor and they came to the resolution of sending an email to her supervisor or board to handle the situation. I 've been demanding a certified check and they told me that the higher ups will make that decision. Everything is recorded I just hope I get my money soon.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Money transfer, virtual currency, or money service

PayPal Credit selling assets to XXXX XXXX and APR is going from 19.99 percent to 24.99 percent. That is a unacceptable rise in interest rate! I will cancel all accounts that are associated with XXXX XXXX. I have never missed a payment and enjoy using PayPal on XXXX and am being punished for nothing but greed! XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX WA XXXX Phone Number ( XXXX ) XXXX Services were discontinued XX/XX/2018 and supplies were returned through XXXX at that time. I do not owe the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my identification and FTC report to Equifax many times and they continue to say the documents are not legible when I'm sending full exposure color documents. Furthermore they are giving me the run around about removing the fraudulent inquiries listed on my report. First they advised that I needed to list all inquiries on the FTC report which only allows you to list up to 3 inquiries. I resubmitted with all remaining inquiries listed in the personal statement section of the FTC report as Equifax 's supervisor advised me to and waited 30 days and then another supervisor tells me I needed to list each inquiry on a separate FTC report.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I applied for a modification to my mortgage with XXXX XXXX. My business had experienced a fire and insurance was taking longer than expected to pay on the loss of use claim on my policy. 

When my single point of contact reached out to discuss my request and to tell me that I was approved for a partial claim, I was promised that my credit report would be updated to reflect no missed payments. After all, I had done my part before I was late and XXXX was taking 60 days to process the claims. At that time I was also advised NOT to make any payments to my mortgage, even if I had the means to, as it would negatively impact my ability to get a loan modification and I would have to start the process all over. 

I took the advice of my single point of contact thinking this was the protocol for the loan modification, per XXXX  policies, and trusted that my credit report would be noted as such. It was not. When I was later told that I was approved for the trial period and that I needed to make XXXX payments in order to be granted a modification, I was informed that the advisor was wrong. That if I couldve made the payments, I should have and that XXXX  would not update my credit report once the trial and subsequent modification were completed. I was ill-advised by my single point of contact. 

As a result, my scores have dropped over XXXX points and with a 60 day late on my mortgage, I am unable to obtain any financing and also unable to get a job in my field as a mortgage underwriter. 

I made a formal request to XXXX via fax, which they confirmed theyd received, to review the phone calls and please update the reporting as I was taking the advice of my single point of contact who made it seem as though making a payment wasnt an option, at all. XXXX denied my request. I then requested copies of the recordings from the phone calls. It has been 10 days and my request has not been acknowledged
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

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 XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account Name : XXXX XXXX XXXX - XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - XX/XX/year> :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Charge-Off Under FCRA 1681i I am writing to formally dispute a charge-off listed on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) 1681i. After reviewing my credit report, I have identified inaccurate and/or unverifiable information that must be investigated and corrected or removed. 

The specific account in question is : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX Under FCRA 1681i, I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. If the disputed charge-off can not be verified with complete and accurate records from the original creditor, it must be removed from my credit report. 


I formally request that you : 1. Conduct a reasonable reinvestigation of this charge-off.

2. Provide me with written confirmation of the results of your investigation.

3. Remove or correct the charge-off if it can not be verified as accurate and complete.

4. Provide me with an updated copy of my credit report reflecting any changes.

As required by FCRA 1681i, this dispute must be resolved within 30 days. If the charge-off can not be verified, I expect its immediate removal. Failure to comply with these requirements may result in further action to enforce my rights under federal law.

Please confirm receipt of this dispute and provide me with updates regarding the investigation process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX