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

On XX/XX/year> I received the attached email from Experian customer service ( XXXXXXXX ) confirming they received my request to deactivate my online membership. The membership number is XXXX and the cancellation confirmation number is XXXX. I did not sign up for a membership with Experian, I simply checked my credit online in order to get a free annual report which is my right as a NJ resident. Experian never cancelled my online membership and now their legal department claims I agreed to arbitration and that I do not have a right to file a lawsuit for their wilfull and intentional violations of the FCRA and Privacy Act. I did not sign any contract for arbitration only and I already cancelled my membership so there is no reason for obstructing justice and blocking me from future litigation. 
I am attaching as evidence, the confirmation of membership cancellation, four requests for the original contracts of the inaccurate accounts as allowed by Section 609 FCRA and a Notice to Cease and Desist inaccurate reporting.
Product: Checking or savings account

I am trying to open an account for my adult son who is XXXX. I am his legal guardian. 
Here is the background on this issue. 
I original filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. 
This was the original complaint : I am trying to open an account for my son which I am his legally appointed plenary guardian. The banker faxed the paperwork into their document review team, and they told the banker ( phone conversation ) that the paper was not sufficient. The review team refused to talk directly to me or to give me a number to reach them, or the legal team. I then asked for a supervisor and they said they would have a supervisor get on the phone with the banker and she would have to relay information to me. They stated they dont talk to customers. They did give me a name of XXXX XXXX XXXX who was talking to the banker and his supervisor XXXX XXXX but would only give me a number of XXXX. 
After filing that complaint with the XXXX XXXX XXXX I did receive a call from XXXX ( executive office ) XXXX ext. XXXX after several conversations she stated that the guardianship was going to outdated within a week it has to be within 2 years. 
So I then went back to the courts and got a updated court order of guardianship which I faxed several times and had to make several calls before XXXX would respond to me. She then stated that the legal department wont accept it because they needed it to state I was guardian of the estate. 
I then went back to court on XX/XX/XXXX and got guardianship of person and estate and faxed a copy of the court order to XXXX and left a message on her voicemail. I have left XXXX messages with no call back. On XX/XX/XXXX I finally was able to get XXXX on the phone she told me to fax and email a copy of the order to her and she would get it reviewed and get back to me. I did that on XX/XX/XXXX. Again I left several messages. Finally on XX/XX/XXXX I received a call from XXXX who stated they will review the court order and will get back to me. She did state it would take some time. I dont understand why it is taking this long. When I original went into the bank on XX/XX/XXXX they faxed the paperwork to the review team and got a decision immediately. 
I would like help with resolving this issue. I am not sure if this is typical practice on trying to open an account for a XXXX person.
Product: Money transfer, virtual currency, or money service

At the beginning of the year, I signed up for an introductory offer with PayPal which was a 6 months of free financing. According to the offer, I would not incur any finance charges until after XX/XX/XXXX which is when the offer would end. I made some purchases and mailed in my payment on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from PayPal stating that they had not received payment so I explained to them that I had mailed the check. I called my bank, XXXX XXXX to verify if they had received the check and they had not yet received it. XXXX XXXX did ; however, offer to call PayPal on my behalf if needed to verify that the money was in my account and could be transferred immediately. I have an excellent credit score of XXXX and pay my bills on time. I then contacted PayPal and explained to them what happened ; however, they did not seem to care. I paid the entire bill in the amount of {$1900.00} over the phone with the customer service representative on XX/XX/XXXX. PayPal then informed me that they would not be able to waive the {$230.00} interest fee and that I would have to send a letter to PayPayl Correspondence Team to see if they would be willing to waive the fee. I mailed a letter to them on XX/XX/XXXX. I received an email from PayPal that my account was being reviewed and that they would get back to me. PayPay refunded my account for the late fee of {$25.00} but would not refund the interest of {$230.00}. On XX/XX/XXXX, I contacted PayPal and spoke with a Supervisor named  XXXX, not sure if her name is spelled correctly ; however, the conversation was recorded so you could ask for a copy of the recording. I told XXXX what happened and asked her to waive the interest fee ; however, she said that she would not be able to do that for me. I told her if PayPal would have contacted me on the date it was due and informed me that they had not received payment, I could have taken care of it immediately. I ended up paying the interest fee today in the amount of {$230.00} so PayPal would not be able to continue to charge me interest. I am hopeful that you could look into the issue and I am requesting a refund for the interest paid in the amount of {$230.00}. Thank you.
Product: Payday loan, title loan, or personal loan

Applied for a personal loan with one main financial online and was assigned to an office located in XXXX XXXX XXXX XXXX XXXX, PA XXXX, the branch was not straight forward with what was actually needed and there was a lot of back and forth that took over a week to get nowhere. Call backs were seldom and documents provided as much as I could but it was still not enough. The branch still ran my credit but did not appropriately move forward with a decision.
Product: Debt collection

This medical debt is from Charter Communications XXXX XXXX XXXX XXXX, CBE Group is the collections unit. I had to move during the recession of 2022 XXXX a couple days fast when I had covid back to my hometown and return their equipment. I did that, but they did not take their XXXX XXXX back. They said it had been rented and now it was mine to have to pay. They also said that they do not cover coverage as a Mobile Wireless carrier for XXXX  for the Phone I had from them to the area where I moved to in XXXX. I had no job, no income other than XXXX Social Security XXXX, and was highly upset they could not work with me via XXXX  side of things and repeatedly harassed and called me to pay them when I have asked them to remove me from contact. They have no right while I am not working to collect on any bill just by trying to use my only low income source of Social Security XXXX.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation accuracy of information reported by XXXX, TransUnion, and XXXX. I request an immediate re-investigation of this item as its inaccuracies severely impact my XXXX XXXX. Per the FCRA ( Public Law XXXX ), Title VI, Section XXXX, Subsection XXXX, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Mortgage is reporting that my account is in forebearance which has a negative effect on my credit standing. This is contrary to H.R. 6321 Sec 112 ( b ) ( 1 ) which amends the Fair Credit Reporting Act to say : ( b ) Moratorium On Furnishing Adverse Information During COVID19 Emergency Period.No person may furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during the COVID19 emergency period
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XX/XX/XXXX I cosigned on a private student loan from  XXXX   XXXX   (  now  XXXX   XXXX  ) through  XXXX   XXXX   (  now  XXXX  ). It came to my attention when I pulled my credit report in  XX/XX/XXXX that 2 additional student loans through  XXXX  were on my account for  XXXX   XXXX  that I had not cosgined for. I filled a claim with   XXXX   's fraud department around  XXXX , and also filed a police report with the  XXXX   XXXX  police department in Texas.  <P/> After a brief investigation,  XXXX  's fraud department let me know that they could not verify my claim as fraud, due to the fact that there had been an online acknowledgement through my email of  one  of the loans. However, I let the  XXXX  fraud department know that I lived with  XXXX   XXXX  during the time of the fraudulent activity, and she had access to using my computer and email.  XXXX  's fraud department did not take further action to try and resolve my fraud claim.  <P/>  XXXX  Account  XXXX  Loans  XXXX  and  XXXX  were not signed for by me. As a result of the fraud and the adverse impact on my credit report, I would like all cosigned student loans from  XXXX   XXXX  removed from my credit report and for me to be released as a cosigner for  XXXX   XXXX  for all Loans with  XXXX .  <P/> Please see attached documentation including Police Report and  XXXX  fraud claim submitted.
Product: Checking or savings account

My account was scammed and Arvest know about it. I was questioned about the XXXX deposit, and I told them it was not me. I was asked the same question XXXX different ways, each time it was NO. They told me that the moblie deposits were from a XXXX, my phone is an andriod but my wife has a XXXX " so, it must have been your wife. '' Do your wife has your Arvest acount information? No, her Indigenous culture does not allow women to use huband personal items.They close that account and was going to open a new on. Later I was told that because of the fraudulent activity on my account, ( blaming me ), that I would not be able to open any accounts at any Arvest Banks ever, and I was not to enter any Arvest Branch ever again. After some days gone by, I felt that I was back in the 1960 where businesses post signs " XXXXXXXX XXXX. '' I have been with Arvest for over 20 years.
Product: Credit reporting or other personal consumer reports

I appreciate you making an effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Information has been requested several times from Experian and they are only sending delay tactic and not actually investigating the request. Information was requested XXXX times already. Mailed request the following dates : XXXX/XXXX/2015, XXXX/XXXX/2015 and again XXXX/XXXX/2015. 

Proper documentation was submitted as per their guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. My name is : XXXX XXXX Please delete any other variation. my current and only address is :XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Cavalry collection agency has been sending me letters regarding a debt that is not mine. I have sent them debt validation request letters on XX/XX/XXXX and XXXX, XXXX and they refuse to send me the information required. Instead, they repeatedly state that they verified the information and it is correct, without sending me the actual information which they are required to do so by law. They have reported this alleged debt to the three credit reporting bureaus and refuse to delete this fraudulent information.
Product: Mortgage

This issue has been going on for over 5 months. The account was never setup on escrow and taxes were paid directly to the county. However, CMC sent out taxes and forced my account to have escrow claiming I needed to pay the back taxes ( which was already paid ) in addition to the new taxes that needed to be paid for the year. My monthly principal and interest is less than $ XXXX but they were forcing me to pay close to $ XXXX. They stated that I couldn't close the account from escrow until the account was brought to a positive amount, forcing me to make a payment even though I sent them proof of payment in XX/XX/2020. I have called back multiple times ( XXXX, XXXX, multiple calls in XXXX, XXXX, multiple calls in XXXX ) and this issue is still not resolved. Aside from being hung up on, provided false promises with supervisors calling me back, and misinformation, they have NOT refunded my money ( payment of {$2600.00} pay # XXXX on XXXX ) that they stated would be needed to just close out the escrow account. Also, they stated that they sent money to pay taxes on my property, but when I paid it for the 2020 year, it did not show that there was a credit balance. They are a fraudulent company and have been holding my cash hostage during COVID times.
Product: Debt or credit management

Debt Busters debt consolidation. Asked for my social, asked me questions to verify my identity. They also requested for a routing and checking account #. I gave them all this information. They would not be upfront on how it would affect credit score and what their monthly fee was until I hmgave them this information.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized accounts that reporting on my credit report. Since this is a strict violation of FCRA laws I need the accounts removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Consumer Loan

i partially filled out an application on line to XXXX financal, deleted the app because i changed my mind about it. Then i recieved XXXX phone calls from them about finishing my application so they can process it. I TOLD THEM NEVERMIND i wasn, t intrested in getting a loan from them after all. So today i recieved in the mail where they pulled my credit report as if they went ahead to precess the loan. this is wrong on all accounts. so i have made numerous phone calls to them complaining and they say its a process for them to reverse the inqury. why did they pull my credit info when i specifically told them nevermind. on the phone
Product: Debt collection

Midstate Collection Solutions keeps trying to call me on medical debt not owed by me. This debt is for an alleged XXXX XXXX who I have no affiliation with and it is regarding medical debt from XXXX XXXX XXXX XXXX ( XXXX ). I learned from XXXX that Midstate Collection Solutions is the only collection agency that still has my cell phone has active in their system in regards to this alleged debt. 

I sent XXXX a letter and followed up with an e-mail. I learned form XXXX that they also sent my letter to Midstate Collection Solutions. I followed with XXXX via e-mail and called Midstate Collection Solutions twice regarding their response to my attached letter and still have not heard from either of them. See attached letter for more details.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for repeated failures to comply with the Fair Credit Reporting Act ( FCRA ) and for inaccurate reporting practices in violation of Metro 2 guidelines. Despite my efforts to resolve this matter through three prior disputes, Experian has not accurately corrected the account, instead marking it verified without proper reinvestigation or correction.

Nature of Dispute : Incorrect reporting of balance on a closed charge-off account, failure to comply with Metro 2 reporting standards, and potential income-related data in violation of FCRA guidelines.

FCRA and Metro 2 Compliance Violations 1. Failure to Provide Accurate Inform
ation ( 15 U.S.C. 1681e ( b ) ) : The FCRA mandates that consumer reporting agencies maintain maximum possible accuracy in reporting information on credit reports. However, Experian has continued to report this account inaccurately, listing an outstanding balance on a closed charge-off account, which violates Metro 2 guidelines for reporting charged-off accounts as well as accurate balance reporting.

2. Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) : The FCRA requires a reasonable reinvestigation of disputed information. After three separate disputes, Experian has failed to adequately investigate my dispute, marking the account as verified without any clear correction or adjustment in line with my documented dispute issues. This lack of reasonable reinvestigation demonstrates a failure to uphold legal obligations under the FCRA.

3. Metro 2 Compliance Standards : Under the Consumer Data Industry Association ( CDIA ), all consumer data must comply with Metro 2 format guidelines to ensure consistency and accuracy. Reporting a balance on a closed charge-off account violates these guidelines, as such accounts should reflect zero balance if there is no active collection. Experian has repeatedly ignored this standard.

Actions Requested Given the failure of Experian to comply with the FCRA, provide accurate information, and reinvestigate as required, I request that the CFPB take the following actions : Enforcement of FCRA Compliance : Enforce the reporting accuracy standards under 15 U.S.C. 1681e ( b ) and the reinvestigation requirements under 15 U.S.C. 1681i.

Mandatory Metro 2 Review : Require Experian to conduct a thorough review of the disputed account per Metro 2 standards, including removal or correction of any incorrect balance or closed charge-off information.

Remedy for Repeated Dispute Violations : Ensure that Experian conducts a proper reinvestigation and provides me with a written statement of their findings.

Delete Inaccurate Charge Offs This matter has impacted my credit standing and has caused undue stress, as Experian has failed to meet its legal obligations to report accurate information. I have exhausted all reasonable options and request CFPB assistance to enforce compliance.

Thank you for your attention to this matter. I look forward to a prompt response and a resolution of these ongoing inaccuracies.
Product: Credit reporting or other personal consumer reports

Ive disputed all of the negative accounts with all 3 bureaus and they come back verified and i know they didnt do proper invesigation because the dates of last reporting are different on all 3 bureaus.there is multiple discrepencys with all the negative accounts on all 3 reports including but not limited to dates of last activity, date last reported, date of first delinqency, date last paid, account numbers, late payments.please remove inacurate information on all 3 bureaus per the fcra laws protecting my rights as an american.the 3 credit bureas are discriminating against me because i recieve social security disabilty benefits.i have XXXX and fell behind on payments and had my 2 cars repossed while i was in XXXX XXXX XXXX XXXX with no notice or any oppurtunity to arramge payments with both XXXX XXXX XXXX XXXX.please delete all negative information.i need a car and a home so i can begin to put my life back together.i cant get a car or any loans because of all the inacurate negative accounts reporting with XXXX  XXXX  and experian.please do a investigation on all 3 bureaus and see the inconsistant reporting.i was misled and disciminated against because of my disabilty per the gramm leach and biley act they are violating.my rights as a law abiding tax paying citezen.i disputed all the negative accounts with the bureaus so i can begin to put my life back together after recieving XXXXXXXX XXXX XXXX XXXX starting XXXX of XXXX XXXX  and equifax say they investigated but they did not do proper investigation.please help me remove the inacurate information so i can get a home and a car and my business back.ive overcome XXXX XXXX XXXXXXXX by the grace of XXXX and just want to get my life back in order but all of the negative inacurate accounts are stopping me from obtaining credit.
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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

I was not using XXXX  XXXX in XXXX. I am with XXXX XXXX and been with them since I moved in XXXX. I paid my final bill with XXXX  XXXX in XXXX Contact info Name XXXX XXXX XXXX XXXX  Address XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$330.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX XXXX I been reporting this is not mine Account info Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$900.00} Highest balance {$1200.00} Terms - On record until XX/XX/XXXX XXXX