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

Complaint is against Experian for falsely reporting on my report and also their employees that failed to attempt to investigate wrong information. The second agent that I spoke to actually lied to me and promised me a call back from a supervisor within 24 hours. Experian failed to call nor did they investigate which caused me to have wrong information on my credit report. Experian has a long history of violation of consumer laws. They have been extremely neglectful of consumers by trying to exhaust them in transferring them from place to place and refusing to investigate. I am a XXXX person and these senseless stressful calls are very harmful to my health. Because of their neglect I have false information on my credit report and Im demanding that it be corrected immediately. I also demand that Experian display to me how I will receive fair an impartial customer service in the future. 
15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 
When I called in to report that there were two inquiries on my report that I did not authorize I was transferred to the so-called specialty department after I had exhaustively explained the issue. The first agent made no temp to resolve. The second agent was rude and didnt let me speak enough to understand the situation. She cut me off and made no attempt to resolve the issue and lied to me and said that I would be called within 24 hours. I was not called. This pathetic customer service cost me a great deal of wasted time and stress and causes me damage by having inaccuracy on my report. It is not something the police have jurisdiction over. Experian tries to exhaust their customers leaving them without an accurate credit report. I have a legal right to an accurate credit report. Experian is preventing me from having that. 
I demand that the two inquiries mentioned on my XX/XX/XXXX call be removed as the company checked my report without my knowledge If you are not sure which inquiry that I am referring to please contact me at home and we can listen to the recorded call. 
I also demand an explanation of how Experian will provide adequate investigation in customer service in the future. They also failed to respond to the Better Business Bureau complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting the name XXXX XXXX on my credit report. My name is XXXX XXXX. Please delete XXXX XXXX. 

Experian is reporting the name XXXX XXXX on my credit report. My name is XXXX XXXX. Please delete XXXX XXXX. 

Experian is also reporting two addresses I have never seen or am associated with please delete : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Credit card or prepaid card

it been over 19 months XXXX  new about the problem I I was robbed my id stolen and hacked. they had not been sending any bills through mail. at all or email So I have not been in XXXX for more than 19 months. I even question why I have not gotten a new card my old one was issued in XX/XX/XXXX. I called told them the problem they said the old account would be closed and a new one issued. but never was! so I called again and again talk to XXXX, XXXX, XXXX, XXXX  and they say they would look into it this was in XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX they all told me not to pay anything at all until it was decided. so I did not! now a XXXX from corporate got involed and she said I owe more than 2,000 that someones been paying my bill and using my card. I told her what happen she does not believe anyone could do this! then she said I do not know what the billing or fraud department because its in texas and I do not control that or have anything to do with it she kept putting her foot into and getting deeper and deeper than she said I personal took over then she said I can not wipe the account because my computer will not do that. I wrote the ceo XXXX XXXX have not heard a word from him. XXXX has lied because a XXXX said from corporate it can be done and do not make payments then I get a call back from XXXX  she said I owe the full amount and she will not listen. it says on the statement any disupts and we page that explain do not pay anything. even on XXXX XXXX XXXX and others were talking about business not getting up dated, and the consumer not held. that were interviewing several ceo I should not pay this 2,000 0r more at all because no one knows what they are doing the headquarters is in wi state and billing is in texas and fraud in Ohio. I told them the problem and can not agree o what to do
Product: Checking or savings account

My wife passed away over a year ago I went to close her account and they directed me to the estate unit they sent me a letter refusing to release the funds and I would have to hire an accountant or a lawyer and go to court l didn't feel it was worth it at the time but now I feel it was wrong for them to keep her money because she died The bank in question is bank of America. Account under XXXX XXXX account # XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was charged two amounts from XXXX, XXXX and XXXX respectively. I did not complete these purchases, nor did I receive the bitcoin that it was made for. The bitcoin was immediately transferred out with the notes attached to it. The first purchase was XX/XX/2018 for {$500.00} worth of bitcoin, it was sent minus later to an address with the note attached reading " hey dirk ''. The second as XX/XX/2018 fo {$400.00}, and again was sent almost immediately out of coinable to someplace unknown with the not attached " XXXX ''. All previous transactions I have made do not include any note. Also at the time the purchases were made I had positive control of my phone, and my laptop. My laptop account can only be accessed with 2-factor authentication via my phone, and my phone was on me at the time of the purchases. Accessing my phone account requires my fingerprint and then a pin to do any purchases. I have contacted XXXX and received no response. 

I was then later charged the same amounts again, on XX/XX/2018, both {$500.00} and {$400.00}, which triggered my low balance alert on my account and brought the entire fraudulent charges issue to my attention. These two have since been refunded, but the original purchases hav still not been.
Product: Vehicle loan or lease

My identification was taken to fraudulently open a car loan through Credit Acceptance. I did not sign or authorize anyone to do this. Ive tried to dispute with them but they offer no resolution. I was informed the person who opened the account fraudulently called to take full responsibility and yet no resolution. I am not liable or responsible for someone taking and making copies of my information and signing my name without consent to get a car loan. I have disputed this serval times. This happened in XXXX XXXX. Credit Acceptance has not done anything to rectify this matter. I didnt sign to be a joint person on no ones account therefore I should not be held accountable for this.
Product: Debt collection

I have tried multiple times obtaining verification on this debt account that is showing on credit report and I have been ignored all along. I disputed account with bureau and asked to verify or delete immediately as I do not recall having account open. I disputed account with the CFPB by mail and I havent heard anything from neither bureau or CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have been a XXXX  XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX  XXXX XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on my credit card that date back to XXXX of XXXX. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was not actively using the XXXX  credit card. I did not notice that I had my XXXX monthly renewal plan linked to this credit card, which was the only fee I had with this card, and so I oversaw the payment. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX  XXXX XXXX is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX  XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX  XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX  XXXX XXXX is heads above the rest. I look forward to your reply.
Product: Mortgage

For three weeks in XXXX of 2013, I tendered payment for the amount which met the party claiming to be the beneficiary 's demand to pay off the mortgage account and release the lien against my property. The payment was tendered in the form and amount which met the demand with the assistance of XXXX XXXX and Escrow in XXXX Washington. XXXX failed to credit the tendered payment to the account and in XXXX of 2013, informed me that they were transferring the servicing to Select Portfolio Services , Inc. ( SPS ). I immediately informed SPS of the situation and they failed to investigate the tendered payment. I informed them multiple times of the failed credit of payment in addition to other title issues and they failed to respond to my questions ( they did respond with information unrelated to my questions in bulk ). 

SPS has also submitted false declarations in order to advance a non-judicial foreclosure. SPS is advancing a non-judicial foreclosure on a non-existent, predatory promisory note made in favor of a company that did not exist at the time the note was made, and non-existing deed of trust which was unlawful in form in the state of Washington.
Product: Debt collection

On XX/XX/year> Capitol one froze both my checking and savings accounts. I sent notice of exemption from garnishment on the same day. I receive public benefits, and per Minnesota Law, I am exempt from wage garnishment. I receive XXXX XXXX XXXX XXXX currently and prior to garnishment of my funds. Today, XX/XX/year>, Capitol One combined the balance of my checking and savings, and issues a levy check to the Attorney representing the collections account, despite my sending all required proofs on XX/XX/year>. I filed a complaint with my state consumer protection, who directed me to this department to file an additional complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

North American Recovery is reporting an erroneous debt from my credit file. A while ago this debt was sent to an attorney and i was summoned to appear in court for this debt. This case was dismissed due to the fact that the debt was returned to the original creditor. NAR is still reporting these debts on my credit file and i need them removed ASAP.
Product: Bank account or service

While checking my USAA Federal Savings Bank checking account it was noticed that a person I was married to approximately thirty years ago was designated as an authorized signature on my account. This was done by USAA Federal Savings Bank without my consent and I was not notified by the bank. 
I called USAA Federal Savings bank and asked about this problem. I was told the Bank had a computer glitch and they had taken care of it, BUT some accounts had fallen through the cracks and I was XXXX of them. 
No apology, no compensation for violating the trust I had placed in that institution. 

I am not certain if I filed this complaint at an earlier date, but I have no record of a response from the Consumer Finance Protection Bureau.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the Inaccurate Information being report : XXXX. 
Under the FCRA, you are required to : Conduct a proper investigation into my dispute. 
Inform me of the results of your investigation in a clear and comprehensible manner. 
Provide me with any documentation you rely on if the disputed information is verified as accurate. 
Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly. 
If the investigati be verified or re removal or corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts and credit inquiries listed on my XXXX and Experian credit reports are all fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXf XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX.
Product: Student loan

I submitted my annual recertification for XXXX in XXXX of this year. The certification is handled by the government at student loan dot gov. This year, they have not submitted the certification to all of my federal student loan service provider and I have been paying twice the amount I should be paying for the past XXXX months. Ive tried to explain to student loan dot gov that I need them to submit the certification to Navient. Instead, they have told me that all Navient loans have been transferred to another service provider call XXXX. This can not be accurate, at least as of this date, because I continue to make payments to Navient and have never been notified by XXXX. Regardless, none of this is my fault and I shouldnt have to sort through the various transfers and processes these companies perform. Moreover, I should be better assisted by the Dept of Education as they have taken the responsibility of notifying my servicers of my application and recertification. Instead, they keep telling me to contact Navient or XXXX to discuss why my payment is too high. Dept of Education ( on this date XXXX ) can not every grasp the issue that I need for them to send my application to Navient. They are relying on bad information and if this is happening to me, you can bet this is happening to others. For whatever reason, Navient has retained my account in their servicer profile and the Dept of Education refuses to believe it. If, perhaps I am going to be serviced by XXXX, that is fine but their presumption is premature and has continued to cause me to pay XXXX per month rather than XXXX. Its an insurmountable amount of money and I have been so confused these last few months that I have even considered taking our a personal loan to pay off other debt since I cant afford to pay my other bills right now. I have had to ask my husband for money to help me pay my bills these past 4 months. This has real life consequences for people.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Transunion and XXXX. They have not removed the collection of XXXX XXXX XXXX off my credit report, when I have already filed a complaint against XXXX XXXX XXXX and the have reported twice that they have have the 2 credit bureaus to remove this from my credit report. Screenshots of the company response is attached.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I hope this letter finds you well. I am writing to dispute a 30-day late payment entry on my credit report that pertains to my charge card account with The Home Depot/Citibank . I believe that the reporting of this late payment is inaccurate and does not reflect my payment history with The Home Depot. I kindly request your assistance in rectifying this matter. 

To provide you with the necessary information, please find below the details of my account : Account Name : THE HOME DEPOT/CITIBANK Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XX/XX/XXXX Credit Limit : {$500.00} Highest Balance : {$340.00} Payment history guide : 30 days past due as of XX/XX/XXXX I would like to bring to your attention the consumer protection law, specifically 15 U.S. Code 1666b, which states that a creditor may not treat a payment on a credit card account as late unless they have adopted reasonable procedures to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Based on this law, it is incumbent upon creditors to follow reasonable procedures for the timely delivery of statements, ensuring that consumers have ample time to make payments without incurring late fees or negative reporting. In my case, I have never received any late payment notices or reminders, and I have a history of making payments on time. 

Therefore, I dispute the accuracy of the 30-day late payment notation in my credit report. I kindly request that you investigate this matter and rectify the reporting of this late payment to accurately reflect my payment history. The accurate status of my account should reflect that it was paid on time and in full. 

If you require any additional documentation or information to process this dispute, please inform me promptly, and I will provide it to you as soon as possible. I understand the importance of providing all necessary evidence to support my claim.
Product: Credit reporting or other personal consumer reports

I formally requested that XXXX XXXX and Equifax remove the Bankruptcy from my credit file citing that they do have Permissible Purpose according to FCRA SECTION 604 ( a ) ( 3 ).
Product: Checking or savings account

Pay pal has held funds without my authorization in violation of the Electronic Funds Act. I sold United States Gold under the Mines and minerals act of XXXX. Paypal, has held funds for two buyers in the same name of XXXX under my account. I have not received payment for gold sent to : XXXX XXXX and XXXX XXXX. Paypal and XXXX both elected not to file seller protection claims. Paypal and XXXX wrongful action is recorded in a telephone conversation on XX/XX/XXXX. 

Transaction details Print XXXX payment received from XXXX XXXX XX/XX/XXXX at XXXX XXXX PDTTransaction ID : XXXX Payment Status : ON HOLDShipping Status : SHIPPED Payment Type : Mobile Payment Amount on hold {$81.00} USD Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, KS XXXX United States XXXX Confirmed Add tracking infoPrint packing slip Seller protection Eligible Eligible when you ... 
Ship to the address on this page. 
Save your tracking or shipping info. 
Follow the requirements for seller protection. 
Track your shipment XXXX XX/XX/XXXX at XXXX XXXX  PDT Sent by USPS Edit tracking info Transaction Activity Details Gross amount Fee amount Net amount XX/XX/XXXX Temporary Hold Details - {$78.00} USD {$0.00} USD - {$78.00} USD Order details Quantity Price Subtotal Item # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX One ten-ounce Coin 1 {$81.00} USD {$81.00} USD Purchase Total {$81.00} USD Payment details Purchase Total {$81.00} USD Sales Tax {$0.00} USD Shipping Amount {$0.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Gross Amount {$81.00} USD PayPal Fee- {$2.00} USD Net Amount {$78.00} USD Reversals - Please be aware that this payment can still be reversed ( e.g. if it is subject to a chargeback ), even after you have sent the item ( s ) to your buyer. Complying with PayPals Seller Protection and following the trading guidelines on our Security page helps to protect you from things like chargebacks. 

Paid by XXXX XXXX ( XXXX ) The sender of this payment is Verified Payment Sent XXXX CustomXXXX  Need to contact the buyer? 
Log in to your XXXX account and go to order details. 

XXXX XXXX XXXX XXXX XXXX PayPal. All rights reserved.PrivacyLegal
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies that means this account could not have been verified or validated because it can not have different information for one account. 

High Balance : {$360.00} {$0.00} {$160.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Bank Credit Cards Credit Card - Finance Company National Credit Card Companies Creditor Remarks Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor Charged o '' account Accounts closed by credit grantor Last Payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Credit Limit {$200.00} {$200.00} {$0.00} Furthermore any account charged off with a balance belongs to the consumer so this account can not report as a collection/charge off because anything over {$1.00} should be refunded to me. 

XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.