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

I am writing to file a formal complaint regarding the credit bureaus ' response to my dispute concerning inaccurate information on my credit report. The credit bureaus have claimed that the disputed items have been validated without providing any substantiating evidence. I seek your assistance in addressing this matter in accordance with Title 15, Section 1581. 

As a responsible consumer, I recently exercised my rights under the Fair Credit Reporting Act ( FCRA ) by submitting dispute letters to the credit bureausXXXX XXXX, and TransUnionregarding certain items on my credit report that I believe to be inaccurate. I provided clear and specific details outlining the inaccuracies and requested that these items be thoroughly investigated and either corrected or removed. 

However, to my disappointment, the credit bureaus have responded with generic form letters stating that the disputed information has been " validated '' without offering any verifiable proof or documentation to support their claim. This raises serious concerns regarding their compliance with the FCRA, particularly Title 15, Section 1581, which emphasizes the importance of accuracy and fairness in credit reporting. 

I firmly believe that the credit bureaus have not fulfilled their obligation to conduct a reasonable investigation into the accuracy of the disputed items. They have failed to provide any concrete evidence or documentation validating the accuracy of the information in question. As a result, the inaccurate items remain on my credit report, potentially causing substantial harm to my financial reputation and creditworthiness. 

I request that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and ensure that the credit bureaus comply with their legal obligations under the FCRA. I kindly request the following actions : 1. Thorough Investigation : Direct the credit bureaus to conduct a proper and diligent investigation into the accuracy of the disputed items on my credit report. This investigation should involve gathering and providing verifiable proof or documentation to support their claims of validation. 

2. Removal of Inaccurate Information : In the event that the credit bureaus are unable to provide sufficient evidence validating the accuracy of the disputed items, I request their immediate removal from my credit report as mandated by the FCRA.

3. Compliance Monitoring : Oversee the credit bureaus ' practices to ensure their compliance with Title 15, Section 1581, and other relevant provisions of the FCRA. Implement appropriate measures to prevent the dissemination of inaccurate information and ensure the fair and accurate reporting of consumer credit data.
Product: Credit reporting, credit repair services, 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. 

XXXXXXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX  # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX 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 seven 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

Dear CFPB, I am writing to file a formal complaint against Experian regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ). I have sent multiple letters to Experian pertaining to inaccuracies on my credit report, and I believe they have failed to comply with their obligations under the following sections of U.S. Code : 15 USC 1681e ( b ) This section requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports.

15 USC 1681s-2 This section deals with the responsibilities of furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681i ( 5 ) This section mandates that if a consumer report is provided to a person, the agency must complete its investigation within a reasonable time.

15 USC 1681c ( c ) This section addresses the responsibilities regarding the reporting of certain types of information.

I have not received a satisfactory response and have learned of the recent lawsuit against Experian, which highlights their failure to adequately investigate disputes and properly handle errors in consumer reports. This raises serious concerns about their compliance with federal regulations and their impact on consumers ' access to credit, employment, and housing. Closed accounts, hard inquiries, and collections is being a severe detriment in my life I made many disputes since XXXX XXXX  and no results I sent letters and everything and no response. 
I request that the CFPB investigate my complaint and take appropriate action against Experian for their failure to comply with federal law. It is vital that they are held accountable for their actions and that consumers receive the accuracy and fairness they are entitled to under the law. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the status of my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX  since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention to a billing discrepancy based on the interest charged on my XXXX XXXX XXXX Bank credit card listed as follows : XXXX : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my accounting for XXXX of the billing cycles, which show discrepancies between the average daily balance and interest rates calculated. 

The average daily balance for each billing cycle was calculated by adding up each end of day balance in the billing cycle and dividing that amount by the number of days in the billing cycle. 

The details of the discrepancy are as follows : The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$12000.00} APR : 15.99 % Average Daily Balance ( ADB ) : {$12000.00} ALLEGED ADB : {$12000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$170.00} ERROR ALLEGED INTEREST : {$170.00} ============================================= XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account statement has a discrepancy as follows : Starting Balance : {$980.00} APR : 15.99 % Average Daily Balance : {$2500.00} ALLEGED ADB : {$2400.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$33.00} ERROR ALLEGED INTEREST : {$32.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$6100.00} APR : 15.99 % Average Daily Balance : {$6800.00} ALLEGED ADB : {$6900.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$89.00} ERROR ALLEGED INTEREST : {$91.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$11000.00} APR : 15.99 % Average Daily Balance : {$11000.00} ALLEGED ADB : {$11000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$150.00} ERROR ALLEGED INTEREST : {$160.00} Upon a thorough review of my billing statements, I noticed a significant discrepancy between the alleged interest charged and the interest I expected based on the provided information. The interest on numerous statements I calculated using the data the furnisher provided differs from the amount claimed. To assist you in your verification of my calculations, I have attached copies of the relevant billing statements and calculations for your reference. 

Due to these accounting/computation discrepancies, all of the balances listed on this account are inaccurate and unverifiable.
Product: Debt collection

I continue to receive calls from this company XXXX, stating that there is legal action against me. They do not mention anything other than that there is legal action pending if you do not return call immediately. For what for, from who, they do not even mention if they are attempting to collect on a debt. All they provide is a case number, they do n't even say if involves a debt, or not. This is purely harassment for something that is n't being disclosed, threatening legal action for something that is not known. Please investigate.
Product: Vehicle loan or lease

The loan suppose to reflect on XXXX XXXX not my credit line. This makes the information inaccurate and false. This loan is not attach to my personal credit at all and should not be on any of three bureaus.

Im a victim of information is not accurate and loan being applied to non-responsible party. The Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act protect consumers from inaccurate or incomplete information on their credit reports. These laws give consumers the right to dispute inaccurate information and request that it be removed. Im requesting for it to be removed in five business days
Product: Checking or savings account

I made 6 withdrawals in one statement period from my money-market account at XXXX ( the online version of IberiaBank ). 

I was charged a {$15.00} fee for too many withdrawals. I called them twice, and they said that because 7 withdrawals were made in XXXX, that I exceeded the maximum number. 

But those are not the rules established in Regulation D of 12 CFR 204. The rule is not " monthly withdrawals, '' it is " per statement period. '' My statement period was from XX/XX/2018 to XX/XX/2018, and I made exactly 6 withdrawals in that time period : XX/XX/2018 - withdrawal for {$100000.00} XX/XX/2018 - withdrawal for {$1100.00} XX/XX/2018 - withdrawal for {$10000.00} XX/XX/2018 - withdrawal for {$5100.00} XX/XX/2018 - withdrawal for {$100000.00} XX/XX/2018 - withdrawal for {$4200.00} Their response was that I made another previous withdrawal in XXXX : XX/XX/2018 - withdrawal for {$10000.00} And therefore they charged a {$15.00} fee. But this is not correct, because that withdrawal was in the previous statement period. 

On the phone they said they couldn't reverse the charge and transferred my call to a " department '' that never picked up the phone. 

I have all of the statements and will provide if needed.
Product: Mortgage

I was called by Wells Fargo and offered a plan during COVID 19 hard ship to have the money owe on my mortgage applied to the end of the loan during the forbrsbance now they want the entire balance at once. After the forbarence and I was told it would be put on the end of the mortgage now Im get bill they want it all at once. Wells Fargo called and offered me the program I ask the question will this be due all at once they said No it will go on the end of the loan now they are wanting it all at once they called me and offered the program Wells Fargo have set people up to loose their homes
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report 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. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and XXXX  XXXX. 
I never sat across a table from any of the alleged creditors and XXXX  XXXX and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All alleged contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.
Product: Checking or savings account

XX/XX/23 I called to close account and have the funds ( over XXXX ) wired to another bank. 

XX/XX/23 they closed the savings account. But as of this date XX/XX/23 have not received any of the funds.
Product: Debt collection

I went to XXXX XXXX XXXX ( used XXXX XXXX XXXX, account no. XXXX ) and received treatment on XX/XX/2023. I was informed that I did not need to pay anything by the receptionist. Today ( XX/XX/2023 ), I received a debt collection of {$35.00} from State Collection Service , Inc. ( XXXX, WI ). Prior to this, I have not received any communication or bill from XXXX XXXX XXXX regarding this matter. I will pay the amount as soon as possible but would like to complain against XXXX XXXX XXXX for referring to debt collection and was deficient in providing proper information and communication regarding this {$35.00} debt.
Product: Checking or savings account

I was mailed two cards from NETSPEND that were not requested by me. I was able to go through the banks online prompts to opt out of their mailing list and to deactivate one card, but could not do that same for the second card. The customer service tried to get me to activate the second card and when I would not told me to call the FTC and report identity theft. I pushed for them to close the account and after being placed on hold I was told the account was escalated and that in 5 - 7 days I could call back. It is clear they mail out cards and hope people activate them or they fail to have adequate internal controls to stop fraudulent accounts from being opened.
Product: Mortgage

I applied for a Re-finance mortgage wit h Contour mortga ge and paid for an appraisal. After the appraisal my loan estimate went up by thousands. When i switched to a new mortgage company, I filled out an appraisal transfer and  Contour is refu sing to release the appraisal. I had the new compa ny (   XXXX   XXXX   XXXX   )  reach out to them and see if they could get it released and they are still refusing to release the appraisal.
Product: Checking or savings account

When transferred money to my checking account, charges was charged XXXX. Never received my money.
Product: Mortgage

The entire loan process was great until my loan was handed off to a " customer service specialist '' who was extremely rude and deceitful throughout the entire process. My realtor went as far as to say he lied to him and the closing agent I was working with. The customer service specialist tried to delay my loan closing after saying for weeks that everything was in line and that all the documents needed were collected. I later found out he had lied about that and there were documents that needed to be signed that were overlooked on his part. He admitted blame to me on this and then went ahead and told my previous loan officer that it actually wasn't his fault even though it was. One lie after the next. After leaving work early to compensate for my loan officers mistake ( I had to e-sign documents and don't have access to internet where I work ) I manage to get all the documents my loan officer needed. I called and called my loan officers leaving unanswered voicemails and eventually got my officer to answer the phone. He told me my loan would be pushed back to the original date XX/XX/19. The next day I get calls and emails from my realtor and closing agent informing me that my lender did not change the documents to the correct date. Again, I try and try to call my lender and finally get them to sort the whole thing out. Of course I have to leave work to handle this but this is none of my lender 's concern. Customer service is not their strong suit. I asked for a small closing credit which was ignored for several days until I was told I waited too long to ask for a credit. They would have given we a closing credit to begin with but unfortunately it took them four days to get me set up with a realtor. Each day they told me it would be less than 24 hours. My entire experience has been nothing but ignored phone calls, lack of accountability, and poor customer service. I asked to speak to management but was ignored and kept being told I'm talking to the " top tier '' before they moved me up to their next " top tier ''. I have had few honest encounters with their staff.
Product: Debt collection

Covenrgent outsourcing is attempting to collect a debt that they clam is from XXXX XXXX, in XX/XX/XXXX. They sent me false documents of a bill from XXXX, with an address in XXXX, Colorado. I have not lived at that address since XX/XX/XXXX. I want them to stop contacting me and stop attempting to collect this false debt.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to investigate a dispute I submitted regarding inaccuracies on my credit report. 

On XXXX XXXX, I mailed a formal dispute letter to Experian, clearly outlining several inaccuracies on my credit report that needed correction. I provided all necessary documentation and followed the appropriate procedures for submitting my dispute via mail. 

However, instead of investigating the dispute, Experian responded with a stall tactic, claiming that they do not believe I sent the letter and therefore will not proceed with the investigation. This response is both unreasonable and unjustified, as I have proof that my dispute was sent and received by Experian. 

Experians refusal to investigate my dispute is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputes within 30 days of receiving them. This has caused unnecessary delays in correcting the inaccuracies on my credit report, potentially affecting my creditworthiness and financial standing.
Product: Credit card or prepaid card

My identity was used to fraudulently open a credit card account with Citibank. My address was changed by the thief also. I have never had an account of any type with Citibank. 

I learned of a possible problem from the Department of Defense XXXX XXXX XXXX. When I checked my report I found that the payment for the card in my name was overdue and that was changing my credit score. 

I have repeatedly tried to inform Citibank but the representatives insist I must have an account to file a complaint or I must buy their fraud alert system. 

I have notified all 3 credit agencies, the Social Security Office, and MY ID Care has opened an investigation ( Case # XXXX ), XXXX XXXX, XXXX Ext XXXX The card was opened on XX/XX/21 to a person who claims their address is : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, Tennessee XXXX.
Product: Credit card or prepaid card

I have tried to pay off this card several times. The customer service agent would assure me it was taken care of ( XXXX ) Then I would get a text saying I owed on the account. I was told it was {$1.00} interest and a late charge of {$37.00} was added. 
This business has over XXXX complaints with the XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies from this credit agency as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account number # XXXX are violation of several laws. 
15 U.S. Code 1666b - Timing of payments ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Since this credit agency has stated they have verified that these late payments are validate this means they have the certified mail green label receipts to show the company XXXX XXXX XXXX has followed the law of 15 U.S. Code 1666b - Timing of payments in order to report late payments on my credit report without this proof from the credit agency and reporting creditor these late payments are fraudulent and against the law to be on my report. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.

As well as the following Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual furnishers information.

3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law. 
Sincerely XXXX XXXX