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 FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unbearable accounts unresolved. The consumer financial protection bureau CFPB has recently filed a lawsuit against Experian, a legend, systematic issues, such as failing to forward consumer provided evidence to furnisher, excepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience, where experience 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 experience in action, violates federal law, and my rights as a consumer.
Product: Mortgage

Please review the previous complaint and response from # XXXX. 
Not only did they mislead you in their response, claiming that the impound accounts don't get modified until a 6 month review, when they changed the amount immediately, in their first billing. They have also lied about providing an actual " Certified Copy '' of the original loan documents, and the Note itself. They sent another electronic file copy, which is not the same, but the last complaint was closed before they fulfilled anything they promised. 

I believe this is further proof that they are not in possession of the actual security documents, and as stated before, who then can return these documents upon payoff? Who actually has the documents, and at what point will they demand payment? 
Perhaps they no longer exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX, and I am a federally protected consumer, and I am very disturbed and that XXXX XXXX XXXX has been consistently getting away with fraud and willingly and knowingly lying and violating my consumer laws. 

I am writing this letter in regards to the account XXXX XXXX XXXX  OPENED XX/XX/2019 BALANCE {$36000.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX  This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. 

Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. 

I sent notice to XXXX, XXXX, and Transunion and nothing has been done about this and they are ignoring my letters and breaking consumer laws.The illegally reposed my vehicle in after I sent cease and desist letters twice. Also, this account is not reporting on my Consumer reports as a Repo so that a violation also. It is reporting as a charge-off. Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. XXXX XXXX XXXX is basically debt parking this account and this is illegal. This is direct violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ). This means they are advertising sale of property or any means of value in order to obtain payment for the alleged debt. 

The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission. I never received any of the documents listed below : Contract before the sale Deficiency Documents Redemption Documents Finance Documents This is illegal and they continue to do whatever they want and ignore letter that I sent them. As a result, there are so many VIOLATIONS & FRAUD that XXXX XXXX  XXXX have committed fraud willingly and knowingly. Also, this automobile was taken without my PERMISSION, that is GRAND THEFT AUTO. These credit reporting agencies need to be held accountable. Please take this matter serious and I look forward to your respond.
Product: Checking or savings account

My husband and I have banked with Jefferson Bank of Missouri for years. On XX/XX/XXXX I opened a new checking account at Central Bank of XXXX. After I opened this account, I called Jefferson Bank of Missouri to close that account. They refused at that time, and said they would be able to cancel it on Thursday, XX/XX/XXXX. Their reason for refusal was due to pending items to be paid. They did not close the account as they said, and since then, I have been charged at least {$1400.00} in overdraft, return fees, and maintenance fees. On XX/XX/XXXX Jefferson Bank of Missouri took {$1800.00} from my Central Bank Checking account to cover the excessive fees they charged me over the last 2 months despite my request to close the account. This left me with only {$180.00} to live on. When I called them, they said they would only return fees charged in XXXX because they had been sending me notifications of these charges. I have checked both my husbands and my emails, and mail and there are no notices from Jefferson Bank of Missouri that I can find regarding these fees. 

Had I not opened an account with an affiliated bank of theirs, I believe they would not have left this account open and charged me excessive fees as they have. They did this knowing they could take from my Central Bank account. As of this morning, XX/XX/XXXX my account is still not closed, I have not been reimbursed for any of the fees, and they Still have not closed my Jefferson Bank Checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother opened a credit card in XXXX and put me on the card to help her After my mother death on XX/XX/XXXX, I reported this to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX took her name off and began sending the bill to me for payment. 
I told this company that I did not make application with this company and please correct this adverse account on my credit report. 
This account has dropped my score by 130 points.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find an unauthorized inquiry on my credit report, and I dont know how it got there. I even refreshed my browser, thinking it might be a glitch, but it wasnt. I need this issue addressed immediately by carefully reviewing the documents I provided so I can finally feel at ease.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX Phone Number : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX Dear : Transunion I am writing to formally dispute an entry on my credit report under the Credit Reporting Act ( FCRA ) specifically related to an account that is inaccurately listed or should no longer appear on my credit report due to its age Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX According to the FCRA negative information, including account with derogatory remarks, should be removed from a consumer 's credit report after XXXX years from the date of the original delinquency. This account is beyond the statutory reporting period and should no longer be present on my credit report. 

Please find enclosed a copy of my credit report highlighting the disputed entry and any relevant documentation supporting my claim. I kindly request that you investigate this matter, remove the outdated account from my credit report, and provide me with a confirmation once the removal has been completed.
Product: Debt collection

The CBE Group is trying to collect a debt from me for the wrong amount for XXXX XXXX. I have asked them to validate the debt by providing me with the contract, detailed bill showing all of the charges because I do not agree with the amount. XXXX a rep there that I have talked to a number of times advised me that they do not have it and that they are not required by law to provide me with this information. I have been asking since XXXX. This bill started out at XXXX and then they sent me a notice for XXXX in XXXX, then this month they sent a notice stating I owe XXXX. The reason for this is because they state they have bought the same bad debt 3 times and charge me 18 % each time. I advised they have had this whole time and that they cant do this and XXXX advise " We can do what we want ''! I only owed them XXXX and I have offered to pay this but they will not except it.
Product: Vehicle loan or lease

One time I called to see the amount of money I own in the car and they told me i own XXXX And like two weeks ago I called and told me that i own XXXX dollars on a car that's is not worth it but the problems come from the dealer if you search for them and see the reviews that they have you'll see that many people saying they even open an account to people without the person concern the yo every dealer I go they don't want to take the car because the amount of money they put at the beginning I had a car different to the one I actually have and they cancel de loan with the bank and added the one that I have right now and what I think is they mixed both of the amount money of each car because that's not normal to have such a high bill when they told me I just own XXXX they are thief as the dealer where I got the car from when I first got the car it got overheat and I had to return to the dealer and I told them I don't want that car and they told me they can't do anything, they sold me that car for XXXX a XXXX XXXX XXXX  you think that's fair?
Product: Debt collection

Delete Late payments from Oportun from XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states XXXX ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a higher undesirable XXXX XXXX XXXX Quote on XX/XX/XXXX and again XX/XX/2023. Both times LexisNexis provided a Credit Type Auto Report to XXXX XXXX XXXX that caused the high rate quote. 
LexisNexis has no way to get the report on the Internet stating to call them at XXXX -- XXXX. Upon calling LexisNexis Recording states use the Internet Site. They pass me back and forth with no resolve. No human contact is possible at LexisNexis.
Product: Checking or savings account

Hello, I am asking for help about unauthorized charges in my bank account, my account was frozen around the month reported in the process that I received multiple fraudulent charges, when my account was updated I reviewed all my accounts and saw multiple charges then I proceeded go to a regional bank branch to make a claim about all the fraudulent TRANSACTIONS in my accounts told me to wait 30 days maximum, wait time and call to know about the process they told me they canceled it they did not give me a correct reason so I decided appeal the case and now it is again in investigation please I need you to thoroughly review each fraudulent charges and return the funds to my bank account and I demanded information about the people who could have used my information in every charge I had in my account please demand that come back my money is the second time I am sending this complaint if you need more information do not hesitate to tactarme .. thank you for understanding ..
Product: Checking or savings account

I have opened Citibank checking and savings accounts in XXXX, 2020 on the Citibank advertised promise to pay me {$700.00} bonus, if I keep {$50000.00} for 60 consecutive calendar days. I have fulfilled this condition. However, after the 60 days my both accounts were closed by Citibank initiative. When Citibank had warned me that my accounts going to be closed. I have contacted their customer service and have asked them not to do this. I have told to the customer service that I did not made any transactions on the accounts except the initial deposits and did nothing else, and so do not assume that anything wrong was done on my side. I was promised by the customer service representative that my accounts not going to be closed if I do some other transaction. I was also told that the promised bonus of {$700.00} will be paid to me in XX/XX/2020. I have made the additional deposit ( s ) to my accounts. Still my accounts were closed and I didn't receive the promised bonus. I have contacted the Citibank customer service for the explanation of my fault, but no explanation was given and the address to make a written complaint was as well refused. I have saved my Citibank online chats with their customer service representatives and attach them here. BTW, the Citibank continue to advertise the same bonus ( https : //banking.citi.com/cbol/checking-700/default.htm ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, My credit was ran at XXXX XXXX through multiple companies. I only authorized XXXX XXXX to getting pre approved prior to visiting the establishment. I did not authorize my credit to be ran through XXXX other companies and now my credit has taken a big hit. I will be seeking legal advise due to this issue of violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 XXXX XXXX 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

I would like the inaccurate accounts on my credit report to be investigated as they do not appear to be mine.
Product: Debt collection

Previous letter receive by the debt collector statement ( Ocwen loan Servicing ) has sold the servicing rights to XXXX XXXX Mortgage, without my awareness or consent, which is a violation of my contract and rights according to FDPCA. In my defense, I did the following, '' 1st payment was sent certified cashier check in the amount of {$650.00} and it was returned back to me by Ocwen Loan Servicing on XX/XX/XXXX. " 2nd payment sent in the amount of {$650.00} by personal check # XXXX mailed on XX/XX/XXXX and returned back to me. However I 'm paying the escrow myself ( Taxes & Insurance ) since XX/XX/XXXX Homeowners Insurance and Taxes paid in full for XXXX. I later receive a correspondence from Ocwen Loan Servicing on XX/XX/XXXXXXXX ( Mortgage Reinstement Quote ). which is a debt collector. By reviewing my recent copy credit report, It shown on all 3 credit report paid and current for accepted payments for {$650.00}, All payments were paid current according to my payment records, later discover XXXX and XXXX payments was n't applied on the credit report, but the following payments were applied on XXXX, XXXX, XXXX, XXXX, I need to know according to alleged statements I receive monthly, Why are they returning my payments and quote : stating I have the amount do on my account. I need answers ASAP. Thank you kindly
Product: Debt collection

Dynamic recovery solutions has threatened me multiple times & states that I owe them XXXX $ for a XXXX account that was opened in 2017 which I have no knowledge of, they threatened me saying if I dont pay they will sue me and take all my assets. They call me any hour of the day, sometimes at XXXX XXXX XXXX XXXX XXXX. Ive requested MULTIPLE TIMES for a hard copy of what I owe sent to my home address and they claim they have sent it but I have never received any documentation or paperwork from dynamic recovery solutions & they threatened me saying they will escalate my account to a higher price and amount due if I do not pay in full. I have no knowledge of this account and I believe this is a scam company
Product: Credit reporting or other personal consumer reports

Lately Ive been looking at my credit reports and see major and minor hiccups from companies. Capital one has a late payment dating back to XX/XX/year>. It still appears there after I complained to them about me making a payment and they processed it late, so it still showing up as a negative on my credit report, I want this problem solved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AND 2 BRANDS XXXX, XXXX ETC.. PLEASE RE-INSERT ALL MY ACCOUNTS BACK INTO XXXX  CREDIT FILES..XXXX IS VIOLATING THE F.C.R.A. 15 U.S.C. SECTION 1681g and YOU ARE VIOLATING THE CREDIT FURNISHERS LAWS AND ARE ALLOWING XXXX XXXX TO VIOLATED THE FINANCIAL NETWORK DESIGNED TO PROMOTE CONSUMER TO CREDIT RELATIONSHIPS.
Product: Mortgage

sent in application for loan modification ( XXXX times ) bank claims they never received them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to follow up the most recent complaint I previously submitted dated XX/XX/XXXX2022, requesting the immediate removal of the disputed fraudulent accounts and information that the Credit Bureaus report on my Credit file. Under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. However, the Credit Bureaus continued reporting the disputed items and have claimed that the disputed items are verified without sending me copies of proof of verification. Under the provisions of the Fair Credit reporting act section 605b, I am requesting once again that the Credit Bureaus remove the following items completely from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX Time XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX : {$7500.00} XXXX XXXX XXXX XXXX XXXX : {$7400.00} XXXX XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX XXXX XXXX : {$3600.00} XXXX XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX SYNCB/GAP XX/XX/XXXX 2020
Product: Credit card

XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX THIS COMPLAINT IS DIRECTED TO THE CONSUMER FINANCIAL PROTECTION BUREAU and SHOULD ONLY BE RESPONDED TO DIRECTLY FROM an AUTHORIZED AGENT OF THE CFPB, and NOT the RESPONDENT, BARCLAYS ' Bank. 

Dear Consumer Financial Protection Bureau, On XX/XX/2023, I submitted a complaint through the Consumer Financial Protection Bureau ( " CFPB '' ) portal complaining that Barclays continues to mark my complaints as a duplicate and closes it out without ever responding to it or providing the information requested. On XX/XX/2023, Barclays responded to that complaint and marked it too as a duplicate and in doing so, it admitted that the denial of my application for the Mastercard Black Card was the product of a prohibited act under the Federal Equal Credit Opportunity Act that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status and/or age. '' Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a certified letter with a return receipt to Experian credit bureau requesting that the incorrect names listed on my credit report be removed and the incorrect addresses listed on my credit report be removed and they have not been removed. I received a response for the disputes I presented to Experian stating that all was verified but no requested information was provided to me proving that the validation came from the creditor. 
Experian has consistently ignored my requests and fraudulently kept inaccurate information on my credit reports. 
I wish to file a lawsuit against this bureau for unnecessary financial hardship I have endured.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XXXX. I saw I has some hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. These inquiries has no permissible purpose to be on my report. Delete this inquire due to violation of 15 USC 1681b