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

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to failed consumer-provided evidence to furnished and accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal laws and rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain late payments listed on my consumer report, as obtained on [ insert date ]. Upon reviewing the report, I have identified discrepancies in the information furnished by your agency. It has come to my attention that there are potential violations of federal consumer protection laws in the handling of my credit information.

I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 a ( a ), it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 16819 ( B ), consent from the consumer is required before furnishing information on their behalf. To date, I have not granted such authorization to [ name of company reporting late payment ].

Your failure to adhere to these regulations not only jeopardizes my financial standing but also undermines the integrity of my consumer report. This letter serves as a formal request to rectify the inaccuracies present in the following listings  on my report : XXXX. Account Name : XXXX, Account XXXX : XXXX XXXX. Account Name : XXXX, Account Number : XXXX XXXX. Account XXXX : XXXX, Account XXXX : XXXX XXXX. Account Name : XXXX Account Number : XXXX I request that you promptly investigate and update the aforementioned entries to reflect accurate information, as required by the Fair Credit Reporting Act ( FCRA ). Any information provided must be thoroughly verified, and any erroneous data must be expeditiously removed.
Product: Debt collection

I was in chapter XXXX bankruptcy and paid into it to resolve all these debts but i am still being contacted by these agencies. please help.
Product: Bank account or service

I have an auto loan that is financed through Chase Bank since XXXX XXXX. One time since the creation of the auto loan, I had a late payment back in XXXX XXXX. To avoid that in the future, I set up alerts through Chase 's online banking website where it will alert me by e-mail if a payment has not been received and another alert to remind me that payment is due within a day of the due date. However, for XX/XX/XXXX, I did not receive those alerts. My due date is XXXX/XXXX/XXXX. I realized the payment is late and can only submit it for XXXX/XXXX/XXXX. I contacted Chase and their online banking department has noticed that I have not received any alerts since XX/XX/XXXX. They told me to update my alerts in my account again to update their database. I asked if I would still get penalized for the late payment which the operate transferred me to another department. Once I had to explain the issue again, the new operator submitted an inquiry to see if my increased interest that will accrue due to the amount of days after my due date can be waived. They said that around XXXX/XXXX/XXXX, I would get some kind of response back from Chase Bank to see if my inquiry is valid enough for them to waive the fees. They assured me that the late payment will not go against me on my credit score since Kansas laws have a 10 day leniency when submitting late payment but interest will still accrue for the amount of days after the due date and until a payment has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to get this stuff off of my credit report. By law it should not be reporting on my credit report without my consent. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the XXXX  you cause me. Also per the CFR 1022.41 Section ( C ) ( 4 ), none of the bureaus did a proper investigation so they should not be reporting in anything on my credit report without my consent. Which I never or will I ever give them consent to do so. This is against the law and part of your regulations as well. I want everything list to be removed from my credit report immediately. 

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

when i checked my credit report i found a hard inquiry from XXXX XXXX inquiry dated X-X-2018.. I did not make any kind of report for them ... I did not know XXXX was sitll in business ... could you check this out and let me know what is going on? thank you .XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This complaint Involves the XXXX XXXX XXXX  and Chase Bank. 
On XX/XX/XXXX of XXXX I initiated the wire transfer for a real state closing from my bank account over the XXXX XXXX to the beneficiary and account holder of the Chase bank in XXXX FL. about 4 hours later I found out the Beneficiary 's account email was hacked and the wire information didn't belong to the closing attorney. Immediately I reported to the XXXX XXXX XXXX at the branch were the transfer was initiated and a FRAUD alert was placed before all banks were closed. The FBI was informed as well as the local police department. The next day was XXXX XXXX and the funds left my account by Friday after the holiday. On Monday XX/XX/XXXX, the branch of XXXX XXXX informed my mother who is the second owner of my account that the funds were frozen at the account 's holder over the Chase, there was a name discrepancy plus the wire fraud alert. 
On XX/XX/XXXX the Wire fraud department of XXXX XXXX faxed an affidavit form that I signed in person and it was sent directly from the Branch where I have my account. 
Over a month after many phone calls, the only answer I always received from the investigator of XXXX XXXX was that the Chase bank didn't reply to the swift recall and they had no information. 
On XX/XX/XXXX, I received a deposit in the amount of {$7900.00} with a recovery claim title. 
I proceed to the branch on the next business day XX/XX/XXXX to enquire about the remaining {$32000.00}. The bank officer contacted the wire department over the phone and she received the information that the amount credited to my account was the only funds the chase returned. The bank officer asked the person over the phone regarding the funds being frozen at the chase after the fraud alert was placed and the information was confirmed by the branch ' Manager, hence, how it was possible the hacker was able to retrieved most of the money? Accordingly to the information released to the bank officer, the Chase bank lifted the fraud alert and allowed the beneficiary " hackers " to disbursed {$32000.00} and proceed to close their account after and send the remaining {$7900.00} to XXXX XXXX to be credited to my account. 

Today I was also aware that after this incident the XXXX XXXX XXXX had change the procedure for wire transfers and now they bank officer needs to verify when a person is sending a wire that the details are correct and legitimate. This procedure didn't apply to me
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

At XXXX now, sick ( XXXX twice and XXXX debilitating hernias -- one recurring ), and living on my SS income ( XXXX mo. ), Navient expects me to payments in excess of XXXX a month. 

I initially, in the mid XXXX 's and XXXX 's, borrowed up to XXXX amount which I paid back, plus some of the interest. I contined making payments until health problems forced me to retire. 

Given my age and health circumstances it is quite difficult to pay even a little bit every month. Navient 's plan has been : " forbearance with accumulating interest. '' The last balance was estimated at more than XXXX. 

Obviously, I will be dead before I could pay this astronomical and unjustified amount.
Product: Mortgage

Mortgage company has not paid property taxes from escrow account. Escrow account has way, way more money than needed. Taxes are {$950.00} AND county has added interest and penalties. Called mortgage company XX/XX/XXXX and was told " complaints and questions should be sent via email ''. Sent email and got " auto reply '' stating they will work on request and get back to me. Called XX/XX/XXXX and was told they were aware of the email and matter would be taken care of. Asked me if I had gotten any " delinquent notices '' from county and not to worry unless I do. Called again first week of XXXX and asked about surplus of escrow monies. Told again they would " evaluate '' the account and get back to us. Sent another email asking status after more interest and penalty added onto tax bill. Got only " auto reply ''. Sent email on XXXX stating if someone did not take care of this and/or call me back I would file complaint with CFPB. 
I was told by county treasurer 's office that if this tax bill is not paid they will report to credit agencies and that will affect my good credit Mortgage company absolutely refuses to take care of this and they will not respond to me either in writing or with a phone call Went online to check out this mortgage company and average rating was 1.4 and main complaint about company was their failure to communicate, late payment of taxes and insurance and they use escrow funds to pay the late penalty and interest and you have to fight with them to get a refund
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed several times to XXXX, Experian, and XXXX-XXXX  and the outcome is always VERIFIED as ACCURATE. The pages attached are from XXXX and Experian is also reporting identical data. 
XXXX XXXX  XXXX sent me a IRS XXXX Discharge of Debt on account number XXXX and the date reflects XX/XX/XXXX in the amount of XXXX which differs from the {$2400.00} currently reporting as accurate. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-5 ) a XXXX  ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-3 ) a {$2400.00} balance, {$1700.00} past due balance, charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-2 ) a XXXX ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-1 ) a {$2400.00} balance, {$1800.00} past due balance, charge-off. 
On XX/XX/XXXX, I mailed an Affidavit of Truth and fact to XXXX XXXX to clear up the problem of reporting unverified information from XXXX XXXX ; a similar affidavit was mailed to Experian with a notary of the public page completed in blue ink. Both XXXX and Experian failed to refute any of the facts including dates of dispute and demands to produce Method-of-Verification and Proof-of-Verification. The credit bureaus ( XXXX XXXX and Experian ) are using automated dispute equipment to process these disputes and a machine is unable to determine the difference between a dispute and a legal document, a computer is unable to render a fair decision outside of its programmed inputs. This is not a reasonable investigation as outlined in XXXX V XXXX  ( XXXX ). I OBJECT to the use of XXXX as the method of verification ( MOV ). Dispute results were sent to me and some of the data listed was obtained directly from the foregoing affidavit and not a dispute. 
XX/XX/XXXX, I mailed the attached Affidavit to XXXX to produce Proof-of-Verification in the form of a sworn affidavit or the production of the original Loan Agreement bearing my signature. USPS certifies delivery on XX/XX/XXXX ( tracking provided within the attached file ). There is a ten day clause included for XXXX to notify me of their refusal to comply, nothing was sent to me by XXXX indicating their intent to deny proof-of-Verification. 
Any reasonable person can see that the CRA is just passing on information provided by XXXX and there is NO PAPER available that can VERIFY the INACCURATE information disputed over the past year. In the past, XXXX has sent me some statement pages that do not identify the charges in question that are believed to be charged without the card present and the result of Identity Theft. Experian and XXXX   have been notified to block this account under FCRA Section XXXX.
Product: Consumer Loan

XXXX XXXX XXXX XXXX, SC XXXX CreditRE : Letter of Intent to SueTo Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against XXXX XXXX XXXX for {$20000.00} as a result of violations of FDCPA 813. Civil liability [ 15 USC 1692k ], FCRA [ Title 15 United States Code Section 1681 ], TCPA [ 47 U.S.C. 227 ]. 
In XXXX I contacted Rise Credit in regards to a fraudulent inquiry on my credit at which time I advised your company of the fraud and requested the inquiry removed. I received no response no justification via permissible purpose. I the realized in the months following your company listed a loan on my credit again I mailed your company copies of FTC Id Theft Affidavit, XXXX XXXX CID Memo, and a letter of dispute and requested validation documents so I can attempt to find out who is continuing to use my ID. I have now sent those documents to your company XXXX. Neither time were my issues addressed or responded to. Your failure to update the credit bureaus have caused me financial harm i.e. increased APR percentages on my loans/credit cards as well as being out right denied for lines of credit. Also your negligence in responding to said correspondence constitutes Willful Negligence as required under FCRA. A combination of all of the above constitutes actual damages. 
If you wish to resolve this matter without court action, a check or money order for {$6000.00} must be received by myself at the address listed above in addition to removing the account from all XXXX major credit bureaus within 14 days. If I do not hear from your company, I will initiate a lawsuit. I believe that is a fair and reasonable settlement considering a previous lawsuit I filed the business incurred legal fees alone in excess of {$5000.00} prior to agreeing to settlement. I can be reached by email at XXXXXXXXXXXX or XXXX : XXXX XXXX XXXX South Carolina XXXX XXXX XXXX XXXX XXXX of Suit Other Statutes - Other Statutory ActionsCause 15:1692 Fair Debt Collection ActCase # XXXX XXXX XXXX, XX/XX/XXXXYour prompt attention is appreciated, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received notification stating " Retail Card Over Limit ''. SYNCHRONY Bank had taken my credit limit to an amount ( {$900.00} ) lower than my current balance ( {$900.00} ). The company decided to decrease my line with no previous notification on doing so. This is wrong and unfair to customers given that all my payments have been done on time and my income has increased since I applied for this service. Also it is important to mention that they use tactics to lie to customers regarding their services. I was told that this was a loan rather than a credit card. This is not the first time they do a line decrease on my account, which is absurd given that my other credit companies increased my limit. Also I don't know how or if these companies are allowed to inquire about my credit.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened XXXX XXXX  Balance {$100.00} XXXX XXXX XXXX late/closed
Product: Debt collection

In XXXX of 2016 we had discontinued service with a cable provider XXXX XXXX XXXX and resumed service with another provider XXXX XXXX. XXXX XXXX had received all of their hardware back and that was all we heard from them. Now we are receiving collection letter from a company named CBE group claiming we owe an outstanding debt from services from XXXX XXXX XXXX. We have formally disputed and all they have done is is sent us bills in which. We 're sent to us we disputed with XXXX XXXX and they closed account with XXXX balance and now these bills are reopened.
Product: Debt or credit management

I started the program with Freedom Debt Relief for my XXXXXXXX XXXX XXXX account. I was quoted a total price of {$5000.00} which included {$3200.00} debt settlement and {$1800.00} Freedom Debt relief fees. I was told my monthly payment amount would be {$210.00} made payable by deposits into an account starring XX/XX/2024. I was also told I would be charged any fees upfront. I would only be charged after a settlement was reached and agrees upon. I made a payment of {$580.00} on XX/XX/2024 and my regular monthly payment of {$210.00} on XX/XX/2024. When I checked my FDR account I noticed I was being charged fees. I called Freedom Debt relief and was told the fees was a {$9.00} setup fee for the account and a {$9.00} monthly fee for the account. I told the rep I was not explained about all the extra fees and nothing being charged upfront. I explained my monthly fee is {$210.00}. The rep told me it was {$240.00} XXXX said she could email me the agreement i signed. I asked that she email it to me. I said I no longer wanted to continue with the program. The rep stated I needed to call back when the Resolution department is open and speak with them. The rep stated to tell that department notes was already put in the account. I don't like that this company didnt fully explained all the fees associated with the agreement and started charging me upfront.
Product: Credit card or prepaid card

Mr. & Mrs. XXXX & XXXX XXXX XXXX Attachments XXXX XXXX  ( 23 minutes ago ) to Bank, Bank, XXXX , enterprise.resolution, assist, security, XXXX all of these charges on the atttached are all FRAUD my account balance shoudl be XXXX I want all of these charges reversed I know who stole my identity here is the information that I gave you several times over and over and over again and again This is the e ; mail and the XXXX  phone number of the person who stole my identity and made the charges on both accounts phone XXXX XXXX XXXX XXXX e mail XXXX Account - XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX NC XXXX Account number ending in XXXX ( credit card ) Account number ending XXXX ( checking ) And the checking account also fraud that the credit card was charged for overdraft Please reverse all the fraudulent charges Please remove all the negative marks on my credit Please refund all extra that has been paid Please stop the auto pay when this is resolved One more time only 2 charges are valid on credit card in XXXX and they were balance transfers to XXXX ... 

I paid XXXX dollars a month from XXXX till XX/XX/XXXX then I paid XXXX dollars a month All the activity on a Bank of America checking account are all fraudulent and then yall charged the credit card for over draft??? 

I have called so many times and I mailed all the proof at least 5 times also I forwarded all the e mail notifications I received that they were fraud in the very beginning of this nightmare I would appreciate a response ... 

I have mailed proof that this entire account is fraud and not mine only 2 transactions in XXXX are valid and they are the balance transfer nothing else is valid and I have proof that I notified you that it was fraud I have mailed all of this information at least 5 times and its hundreds of pages I would appreciate this account being corrected to XXXX I sent you the phone number and contact information and e mail of the person who stole My identity and committed fraud I sent you police report and the Consumer Protection agency fraud report for identity theft I sent you the proof of my laptop and computer and phone being hacked by Ransom ware I sent you all the e mails that I sent back to you telling you transactions were fraud I sent hundreds of pages over and over again and I do not get a response I want the account balance to XXXX ... 

Technically I have been paying on auto pay which you owe me at this point and the account is locked i cant print the transactions etc and there was a fraudulent bank account opened and I was charged XXXX dollars overdrafts There is XXXX of fraudulent charges and I didnt even have a credit line that large??? 

Please fix this mess to XXXX  refund excess Ive paid bc I cant stop auto pay bc you locked the account????
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

items on my credit report were removed then added back on. 
Also debtor can not tell me what the debt is from.
Product: Student loan

Nelnet took over my loan from XXXX sometime last year without telling me. Now my automatic deductions are NOT being made and I can't even get anybody to give me my account number so I can fix the problem. I've sent several emails and some were ignored while another was replied to with some secure email that I couldn't even open! I replied back and told them to send a REGULAR email reply because my email was password protected but I never got a response. These people are obviously scammers who have no business being responsible for other people's money!!!!