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

To Whom It May Concern, I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 

I previously disputed the following information on my Experian credit report : Account Name : XXXX XXXX ( XXXX ) Account Number : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX XXXX XXXX  ( original creditor : XXXX place on millennia apts fl ) ( account # XXXX ) XXXX ( XXXX ) XXXX  XXXX XXXX XXXX  Account Name : XXXX XXXX  ( XXXX ) Account Name : XXXXXXXX XXXX ( XXX ) Account Name : XXXXXXXX XXXX ( XXXX ) Account Name : XXXX XXXX XXXX ( XXXX ) Disputed issues : unverifiable accounts Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
2. Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.

3. Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected. 

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 
1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information. 

If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA. 

I look forward to receiving a response within 30 days, as required under the FCRA. 

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

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX Inquired on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

My husband and I got XXXX XXXX / XXXX XXXX XXXX ONLY so that I could get Mosaic status. The invitation was in his name so, somehow HE became the primary account holder. I called and asked how I get Mosaic status and the rep TOLD ME " ... just spend $ XXXX ''. I fly EVERY week for work. He never travels. I put an entire kitchen renovation on this card to get to $ XXXX. And now that we've reached the $ XXXX threshold, I'm told that only HE gets Mosaic status, not me!? And they can't switch the primary account holder ( even though my credit score is better than his ) or transfer the Mosaic status!? How do I resolve this?! I've been  putting absolutely everything on this card and NOW they say this benefit only applies to him!? That's NOT what the rep told me when I opened the card! Completely deceptive and unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00}
Product: Credit reporting or other personal consumer reports

I purchased a car from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XXXX XXXX. XXXX XXXX was my sales person for the day. The car was XXXX I agreed to put XXXX down make 3-4 payments then pay the rest off once the tags come into the dealership. I never received my tags after multiple attempts regarding the car and the money I was paying I still hadn't receive a call back or email. I decided to drive to the location and there was a empty lot. No cars no sign of cars or a dealership ever at the location. A police seen me looking around and stopped and informed me the dealership was in some type of legal activities and they vanished. I was giving information to take to Texas DMV and the police filed a report with me. We later found out the car was never registered with the state or was there any proof I purchased the vehicle .Due to me having the proof on my end from the day of the sale we was able to find out the car was on the pro selector list and I was able to soon get my title after a 2 years of fighting with multiple people.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNTS 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 XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you XXXX XXXX XXXX XXXX
Product: Debt collection

This law firm   XXXX   XXXX   XXXX   SB #  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , #   XXXX     XXXX   XXXX  , CA  XXXX  telephone  XXXX  They are working with a company   XXXX   XXXX   XXXX   to commit fraud on the   XXXX    FAMILY, this law firm and the above company is also working with a company named   XXXX   XXXX  , and   XXXX   XXXX   XXXX  , whom  XXXX  had already wrote demand to validated the debt letters to, and letters disupting the debt. Even Though these letters were sent out the these entities   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX   XXXX   none every responded to   XXXX   which was their Article/Title 5 responsibility to do. Once the fraud was committed by   XXXX   XXXX  , and   XXXX   XXXX   XXXX  , then   XXXX   XXXX   XXXX   was also sent the letters from  XXXX  and also did not respond.
Currently,   XXXX   XXXX   XXXX  , is working with   XXXX   XXXX   XXXX   that is creating fake documents with   XXXX   XXXX   XXXX   to steal the   XXXX    home and property.  XXXX  sent out documents to rebut all presumptions of   XXXX   XXXX   XXXX  .  XXXX  were supposed to have a jury trial till a summary judgement for unlawful detainer was filed.
Currently   XXXX   had a judgment not in their favor, even thought they showed a judge evidence that they have not debt to foreclose on. And own the Note and are in possession of the note that invalidates the deed of trust that they are trying to foreclose on. There are other evidence that show there is no debt like a report from the secretary of state on the UCC that shows there is no debt since  XXXX  and no current debt owed. I have filed over 15 reports about that same senario but different parties doing this to us over and over again.
The Judge   XXXX   XXXX   XXXX   in this case was also trying to work for the Plaintiff and was rushing to judgment even though he did not look through the paperwork. Much of the paperwork prepared by   XXXX   XXXX   XXXX   was all manufactured fraudulent done by   XXXX   XXXX   XXXX  .  XXXX  found out that the judge also has a pension based in mortgage backed securities and also retired back in  XXXX . He has been out of active practice of law for 10 years, and   XXXX    asked him about certain cases he had no idea, not even knowledgable of IRC 860G and REMIC trusts so he was not qualified to judge this case.  XXXX  feel he acted prejudicail to   XXXX   XXXX   XXXX  , since he was helping them craft arguments against  XXXX . Each argument   XXXX   objection handled and diffused. Explaining that there was no mortgage to foreclose on, and that the Judgment listed in the count record was from court fees  XXXX  already paid through the court to the county comptroller. So there is no judgment or mortgage debt they could have purchased in a foreclosure auction. This is a new tactic since they did not respond to any of the other debt dispute letters/or demand for debt validation, any of the companies prepetrating this fraud were non-compliant to respond.
Product: Mortgage

Mortgage Assistance Available In The Wake Of Hurricane Chase I was contacted by Chase by phoe and letter informing me of the natural Disaster Recovery program where you can stop paying your mortage and must be 2 months behind and they would bring your loan up to date, XX/XX/2018 and throw the late mortgage on the back end, I have spoken to several Chase loan specialist who explained this to me more than one, so we are 2 months behind and I just found out that we are still 3 months behind and that program was not in effect or ever was, so now after spending XXXX on repairs since insurands only covers 4 % of Dwelling, from the hurricane on the house, we are 3 months behind and our credit is a joke. 

How can they offer a program that was never even in effect and never called or contacted me to tell me each month i called to make a payment they assured me they after XX/XX/XXXX we will be up to date i just paid our payment and we are still 3 months behind, and there is no such program. 

This is totally unfair and I felt they lied and misrepresented themselves. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Checking or savings account

Between XX/XX/XXXX to XX/XX/XXXX, there were approximately 133 charges labeled as XXXX which were not transacted by me, nor authorized by me. I notified Chase when I realized this. The combined total of the transactions amounted to {$2400.00}. Chase reversed those transactions and credited my account as they investigated my claim for fraud. On XX/XX/XXXX, these charges were debited out of my account again and upon contacting Chase, was told there was not sufficient evidence of fraud. They told me that this was legitimately made through a digital wallet. I subsequently provided proof through my XXXX account as well as my digital wallet transactions to show that none of these charges showed up, nor did I use XXXX at any point during the period above. Chase continues to decline my claim without telling me what information they have obtained to determine that these transactions were valid. 

I've contacted XXXX and they told me that they couldn't find any rides associated with the phone number listed on the credit card pertaining to the " XXXX '' label which was XXXX. 

I have filed a police report and did some research online and found out that I was not the only one who fell victim to this " XXXX '' charge fraud. I found a website that indicated that the phone number above was a fraudulent number. Many people have complained about being charged as if it were XXXX, but it turned out to be a scam. I believe Chase should be investigating these charges with more diligence or provide me with more information that I can share with the police. They should be able to check the IP address of the phone used for these digital wallet transactions as well as the location of the charges that would help me further prove that these were not charges made by me. 

<Police report info> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There was a phone call made to resolve the debt from my phone for a settlement. I was listening in and the rude XXXX XXXX was aggressive on the line stating he wants a payment in full, I asked if they dont settle and he stated, I said it three times already pay this in full. XXXX XXXX obviously has issues with numbers and cant count because he did NOT state anything three times and demanded payment. He gave out the balance on the account without even attempting to verify any piece of information on the phone such as street address, date of birth, or social. Therefore ; my private information was given to a 3rd party without authorization.
Product: Credit reporting or other personal consumer reports

under the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I'm trying to change my address and get in touch with someone for the settlement
Product: Mortgage

My loan officer was XXXX XXXX with George Mason mortgage. I was promised a deal on closing that I would get {$10000.00} from the developer and 1 % off the loan origination, which would be split between the developer and loan officer. The developer paid the full 0.5 % of the Lon origination, but XXXXGeorge Mason did not. XXXX pushed prepaying mortgage insurance and buying down the rate. We ended up buying down the rate, but that cost coupled with all closing costs did not cost more than the 0.5 % George Mason was required to pay. He only gave me the feed cost off, which was {$1200.00}, but he owed {$3500.00}. He claimed he used the difference of {$2200.00} to buy down the interest rate, but that amount doesn't make sense nor is it reflected in any documents as a buy down that I could otherwise use for tax purposes. I asked the title company representative if this was the case with all XXXX closings and the representative confirmed yes, the maximum XXXX gave in the 0.5 % credit he owed to all people closing at my condo building was the {$1200.00} in fees every time. There were 2 preferred lenders and the title company also confirmed the other preferred lender did in fact give the full 0.5 % credit. I feel scammed and taken advantage of, I confronted XXXX in multiple calls, the title company called and asked for an explanation at closing, and nothing he provided made sense. 

I also locked in on the day that the mortgage rates were below 3 %. If I legitimately bought down the rate 1.75 points, my rate should not have been 3.125 % considering my credit score was over XXXX. I think he took advantage of me as a buyer considering he was the preferred lender.

I also filled out a survey to the branch manager after the closing explaining these issues and no one contacted me or did anything to resolve the issue. Please investigate this.
Product: Debt collection

They provided me with itemized account services that was it. After months of phone calls and then told me they would have police come arrest me at work I agreed to contract under duress because didnt want to lose job. Well now I know that was illegal which should void that contract. Also just recently I learned that they are it allowed to reage the account and they did that they are collecting from things all the way back from 2011  which also illegal only XXXX years statute of limitations. They changed all the dates to be with in the statute of limitations so they could collect. I was in aware of this being illegal and I was nervous about losing job that just started at the time. Also they told me that all the debts were mine even before getting chance to have it validated and when I told them that kit all debt was mine they told me I already made an agreement that it dont matter if it my wifes or step kids and still now that Im divorced Im still paying for them and she makes more than me. That is illegal as well because I told them the entire debt wasnt mine but they refused to listen and told me too bad.
Product: Bank account or service

To whom it may concern ; On XXXX XXXX, 2016 I applied online for a Citigold Checking Account with a promotional code that offered a promotion of XXXX bonus XXXX miles after setting up a bill payment for at least 2 consecutive months and after making at least {$1000.00} in debit card purchases. To ensure that the promotion was applied to my application I called on XXXX XXXX, 2016 and received verbal confirmation from a Citi representative that the promotion was in fact applied to my application. After fulfilling all of the required criteria to receive the bonus I waited a few months for the bonus to be applied to my account, it was never applied. I called Citi the end of XXXX and a representative told me I had fulfilled my end of the contract and that if I had not received the promotional airmiles by the end of XXXX to please call back and it would be taken care of. When I called back they said I had to open an investigation and claim ( not specific ) and they would be in touch with me in 72 hrs. So I subsequently opened a claim regarding the issue. 
I did n't hear back and called XXXX. Their response was that I was not targeted. However, I argue that they accepted and approved my application with the proper promotional code and I opened a Citigold account under the assurance that the promotion and bonus would be applied. They continued to do business with me until I called and asked about the bonus and at that time they told me it would not be issued. This is bad business practice and is unacceptable. I was never told about the " targeted '' restriction and they accepted the application under the promotion. 
I am not sure why this is happening but it is definitely not building good customer care. Since then my coorespondance has been anything but positive.. they keep reminding me that I was not " targeted '' when others that I have talked to were not targeted either and they received the promotion but not until confronting them several times. I had high hopes to have them manage our inheritance but I wanted to see how they did by living up to their commitment with this promotion. Can you please help me rectify this misrepresentation? If you need any other information, please let me know. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally dispute a transaction in the amount of {$350.00}, which was paid through Cash App on XXXX. XXXX XXXX for services that were never rendered. The transaction was intended to cover repair work by the service provider, XXXX XXXX Despite my payment, the service provider failed to fulfill the agreed-upon service. I have made multiple attempts to contact them, but they have not responded or provided any valid reason for the delay or non-fulfillment. This has led me to believe that this transaction was fraudulent. I have requested a refund from the service provider but have not received any response. 
I am requesting assistance in recovering the {$350.00} due to this unresolved and unfulfilled service. I have attached supporting documentation, including the transaction receipt, messages exchanged with the service provider, and any additional attempts to resolve this matter. 
Thank you for your assistance in resolving this dispute.
Product: Mortgage

Select Portfolio Servicing is deliberately mailing statements late, so they can illegally charge late fees. Today is XXXX/XXXX/XXXX and I have not received my statement. I have never been late, however, Select Portfolio Servicing continually violate my civil rights by unnecessary harassment and lies, among other violations of my civil rights. I have a paper trail of deceit from Select Portfolio Servicing. And I also have my own paper trail, that will prove their deceitful practices.
Product: Checking or savings account

I deposited a check on XX/XX/XXXX I was told by someone at the bank that my money would be available at midnight on the XXXX of XXXX but it was not the I was told it would be available A couple days later then I was told it would be on the XXXX business day then on the XXXX business day I was told that they considered it the ninth business day then on the XXXX business day I was told I had to wait till the very end of the XXXX business day then on the XXXX business day they let me have access to my account for about three minutes and then they closed it again at which point no one would talk to me about it just send me to a voicemail every time I called I have tried to speak to a supervisor every time I have called in over a dozen times no one will let me they tell me thats not their policy Im not allowed to speak to a supervisor all I can do is leave a voicemail no one has tried to call me back through this whole situation I dont know what to do this money is part of a parent plus loan that I got from XXXX to help pay for my daughters collage and college living expenses
Product: Credit card

As of XX/XX/year>, I followed the terms of my credit card agreement and submitted a written request to close the account. The return receipt ( proof letter was received ) was signed on XX/XX/year>. On XX/XX/year>, the complete balance of {$140.00} was paid and confirmation # XXXX was given. I received an email confirming that the account had been fully paid, but there was no indication that it had been closed. I am still receiving communication, as if the account is still open. See the attachments.