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

I am filing a complaint against Experian for failing to propery investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STILL LISTED ON ACCOUNT XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX
Product: Debt collection

Dyck Oneil ( Texas collection agent ) is attempting to collect on a mortgage deficiency related to a foreclosure on my Florida home in XXXX 2014. They have failed to properly validate the debt, including the original credit information, and there was no deficiency judgment on my foreclosure. The final sale and transfer was completed XXXX/XXXX/14 and the one year Florida statute of limitations on any deficiency action has expired. I have contacted them multiple times and they have continued to report this debt, with a new " start '' date on my credit report in violation of the FDCPA. Experian continues to report this date in error and will not remove it without additional confirmation from Dyck Oneil.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 from XXXX hard inquiry this is not my account someone opened this up fraudulently please remove from credit report please
Product: Checking or savings account

1. XX/XX/2023- XXXX XXXX ( aunt ) deceased ; XXXX XXXX and XXXX XXXX ( nieces ) named co-executors of estate 2. XX/XX/2023 - XXXX XXXX ( Trusts and Estates Legal Assistant from XXXX, XXXX XXXX XXXX, XXXX., representing the estate of XXXX XXXX ) contacts XXXX XXXX at Chase Bank regarding safety deposit box, and sends email to XXXX, XXXX, and XXXX, confirming the documents needed and the planned date of visit to Chase Branch. 

3. XX/XX/2023 - XXXX XXXX presents all required documents to Chase Branch at XXXX XXXX, XXXX XXXX, NY XXXX, where XXXX XXXX 's safety deposit box is located [ XXXX met with XXXX XXXX ( XXXX ) XXXX, XXXX ; provided her ID, XXXX XXXX 's death certificate, Letters of Administration, XXXX XXXX 's social security number and birthdate ]. XXXX was told by XXXX that she would submit the information and get approval to return and collect contents of safety deposit box within 7 business days. 

4. XX/XX/2023 - No response from XXXX at Chase bank, so XXXX XXXX, attempts to contact XXXX at Chase bank by phone multiple times. XXXX speaks to XXXX XXXX who informs XXXX that " XXXX is no longer there at Chase so we will have to start the process over with XXXX, since she does not have access to XXXX 's accounts ''. XXXX send certified letter via mail to XXXX XXXX including an outline of the prior events with XXXX, which documents were submitted and scanned by XXXX, contact information for the co-executors of the estate, and instructions to contact XXXX XXXX to re-collect the required documents to gain access to the safety deposit box. 

5. XX/XX/XXXX - XXXX XXXX and XXXX XXXX have attempted multiple times to contact XXXX XXXX at Chase bank for follow-up as the safety deposit box is holding up the closing of the estate. XXXX unable to be reached. 

6. XX/XX/XXXX - complaint submitted
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Product: Debt collection

Certified Credit & Collection set me a bill for debt I do not owe. They received this from another debt agency that claimed I owe this debt. I verified that no debt was owed and all my bills were paid. In Certified Credit & Collection 's letter they stated that if I respond within 30 days and dispute the debt, they would send proof of debt. I disputed the debt and received no proof of debt. Instead, they sent me a second letter asking for payment of this debt I do not owe. 

Attached are their two letters and my responses to their letters.
Product: Credit reporting

I completed my bankruptcy and received a discharge and final paperwork to show that everything had been paid. Transunion refuses to update my account to show bankruptcy is complete. Also, the company workers are very rude and tried to submit it for investigation and refused to take it
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

For four years, Experian has prohibited me from accessing my annual free credit report through the XXXX website. This has happened ever since I moved to my current address in XXXX. The refusal statement I received this year ( XX/XX/XXXX ) read : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. 

XXXX XXXX XXXX Request Service XXXX. XXXX  XXXX XXXX, GA XXXX '' In XXXX, XXXX and XXXX I requested in writing that Experian correct the issue preventing me from accessing my report online when I requested my report using the address above. They have consistently refused, thus I am requesting CFPB step in to assist me with correcting whatever condition ( Experian has refused to disclose ) is causing the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account credit card I have requested for all late payments to be remove since XXXX of XXXX. 
i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX and wasnt able to work, I have over 7 late payments reporting since XXXX of XXXX. I have file disputes sent in docs and still have been denied. I am requesting for this information to be removed off my credit files. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payment XXXX $ monthly
Product: Credit reporting or other personal consumer reports

There are several inaccuracies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Mortgage

Sent an insurance check from XXXX XXXX XXXX XXXX to Ditech Financial Claims,XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX/XXXX/2016 for endorsement from tornado damage inflicted in XXXX 2016 XXXX XXXX . Still have not received check back as of XXXX/XXXX/2016. Would like to fix my home as I have spent available funds to temporarily do so. I keep getting dates for " the check is on the way '' from different people with Ditech. I was told by Ditech to send it Attn : XXXX. Do n't know who that is, and have never spoken to her. I need that money to repair stuff. HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th 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 an alleged fraud or extortion. 
XXXXXXXX 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 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

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXXXXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Vehicle loan or lease

On XX/XX/2024 I bought a car from XXXX and financed it through their in-house financing company, Bridgecrest. On XX/XX/2024, my husband and I closed on a new loan at a much lower interest rate at XXXX XXXX XXXX. The payoff check, as per the amount provided by Bridgecrest, was mailed that same day by the XXXX XXXX. Bridgecrest did not process the loan payoff in a timely fashion. In fact, they debited another payment from my checking account on XX/XX/2024 in the amount of {$530.00}. I called Bridgecrest an inquired when I would receive a refund - they told me that I would receive {$490.00} because the check had not arrived within the 10-day payoff window. It is now, XX/XX/XXXX, and I have not received the check.
Product: Debt collection

Hello, I am a consumer and I was calling in to put money on an account with Exeter Finance on XX/XX/2022 at approximately XXXX XXXX I initially spoke with a representative named XXXX. I was calling in to put money on the account regarding my vehicle. After the initial data confirmation that is usually done by a debt collector was finished. I said i wanted money toward the account. He then began being very abrasive and started using abusive language towards me. He said that i should pay more and what I was paying was not enough. He then started to threaten me with legal recourse. After he argued with me and belittled me by saying that I needed more money. I realized that he was not going to allow me to put money on the account. I hung up the phone. I then called back and spoke to another representative and she allowed me to put money towards the account and even helped me make a plan so that I could pay the necessary amount for the account to be in good standing at the time. I tried to put in the complaint with the other representative and a supervisor was supposed to call me regarding that said complaint but no one ever called to follow up. 

With all of that being said, Exeter Finance LLC has violated 15 USC 1692d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of use of violencXXXX or other criminal means to harm the physical person, reputation, or property of any person. 
( XXXX ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title. 
( XXXX ) The advertisement for sale of any debt to coerce payment of the debt. 
( XXXX ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( XXXX ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
Product: Credit card or prepaid card

we took a cruise in XXXX XXXX i went to get on the boat and i was told that even though i was vaccinated my wife and i was going to have to take a covid test before we got on the boat. XXXX  employees led us to another room where we waited in line for this test that i was never told was required. i asked 3 employees if there was a charge for this service and no-one knew the answer. We took the test and got on the boat. the next day when i checked the balance on my card their was a XXXX XXXX test charge on my card. i immediately went to the ships service desk to complain about this charge. the showed me a form that had a signature on it that clearly was not my signature. i was never told of this charge nor did i sign any form agreeing to this charge. i disputed the charge with the credit card company and they credited me the XXXX back. i paid the balance that i charged and closed the account with a XXXX balance. now 2 months later they have decided to charge me the XXXX back on my closed account and charge me a XXXX late fee because they believed the form that had my forged signature on it that i agreed to the charge. once again i did not sign this form and i did not agree to this XXXX charge. it is clearly not my signature. and they charged the money back after i closed the account.
Product: Credit card

Ive had issues with the credit card company. They charged my closed account heavy interest fees and other unapproved fees. The company offered a settlement that was not in my favor. I wanted to offer a settlement offer and the representative refused to accept anything. They continue to charge the closed account interest and fees. I requested a 1099c form for tax year XXXX and they also refused while they send me this option in a email. The keep charging annual fees, account protection fees and high interest. Making the balance increase again and again.
Product: Credit card or prepaid card

My Master Credit card issuing Bank accepted and cleared the online transaction of {$10000.00} in spite of a merchant presenting my card information with wrong 3 digit card security PIN. In addition, I already had set the security limit of maximum {$1000.00} per transaction on this credit card with the Bank Keeping both the above factors in consideration, the transaction of {$10000.00} should have been declined on XX/XX/2020 I have spoken to the Bank multiple times and finally and recently they have informed me that it's perfectly legitimate to clear the online credit card transaction even with the wrong 3 digit card security PIN code. No explanation given for ignoring the set maximum transaction limit of {$1000.00} on this card.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, Ohio, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] Experian, XXXX, XXXX [ REPORTING DISPUTES XXXX XXXX XXXX ] [ XXXX XXXX, TX XXXX ] Subject : Request for Correction and Deletion of Inaccurate Information Dear CFPB, I am writing to formally dispute an inaccuracy that appears on my credit report regarding my car loan. After reviewing my credit reports from all three bureaus, I have found discrepancies that I would like to bring to your attention for immediate correction. 
XXXX. Experian reports that the information regarding my car loan is close, but this is still inaccurate and requires further clarification. 
XXXX. Experian report that my car loan balance is {$26000.00}, while XXXX and XXXX lists the balance as {$0.00}. This inconsistency between the bureaus is concerning, and I believe it to be an error that needs to be rectified. 

I have also heard that there has been an ongoing issue with the accuracy of car loan data across credit reporting agencies, which I believe may have affected my credit file.

I respectfully request that you investigate and correct this information. Specifically, I would like the inaccurate balance information to be updated and for any outdated or incorrect data related to this account to be deleted from my credit report. 

Please provide confirmation of the corrections made to my credit report once the review process is complete. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue as soon as possible. Please feel free to contact me at [ Your Phone Number ] or [ XXXX ] if you need further information. 

Sincerely, [ XXXX XXXX ] You can send this letter to each of the credit bureaus individually ( Experian, XXXX, and XXXX ) or via their respective online dispute resolution systems.
Product: Credit reporting or other personal consumer reports

I recently sent out letters

to the Consumer Reporting Agencies about inaccurate information on my consumer report and they came back verified. However : I still never gave them no written content to furnish this information on my consumer report. They also violated 15 USC 1681i 5 & 7 and verified these accounts, and violated 15 USC 1681a ( 2 ) ( B ). The items have to be deleted BEFORE the full investigation is complete. They did not follow account level documentation because these items are still being reported without my consent, which leads to identity theft. I have attached my FTC Report again. The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine. Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer.
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN I SEE WHERE MY PERSONAL INFORMATION WAS USE FOR CREDIT AND CAR LOAN THAT I DID NOT DO I HAVE PROOF I WAS LOCK UP AND MY IDENTITY WAS STOLEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain files on my report which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas this bureau dubiously claim to have somehow verified these items. 
Again I repeat, the following accounts are inaccurate, please delete them once and for all : 1.Chapter XXXX bankruptcies Reference Number : XXXX - Again, I  have to ask you to please delete these erroneous account from my report. You have just re-inserted debts on the credit report that were past the statute of limitations.

2.XXXX XXXX XXXX : XXXX XXXX - I told you Ive never had an account with these people ; Ive never received anything from them and so theyre illegally reporting this on my report so I need you to remove it today, please!

3.XXXX XXXX XXXX : XXXX XXXX - I dont owe these people any money PERIOD! Please remove this immediately! 

This is a flagrant violation of the FCRA, I will be proceeding to file suit in the event these items are not rectified. I am allowing you another 30 days to rectify my report. My dispute request, id and personal information has already been mailed to you before.
Product: Credit reporting or other personal consumer reports

Hard inquiry by XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX were not authorized by me nor do I know about them, I would like for these to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Closing Date : XX/XX/2014 Liability : {$0.00}