23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a formal complaint against Experian Information Services LLC for their failure to respond within the legally mandated 30-day timeframe and for their non-compliance with the Fair Credit Reporting Act ( FCRA ) in handling my dispute regarding inaccurate information on my credit report. 

Details of the Complaint : Dispute Filed with Experian : On XX/XX/year>, I submitted a formal dispute to Experian ( Dispute ID : XXXX ), requesting the removal of inaccurate accounts, late payments, charge-offs, and inquiries from my credit report. My dispute explicitly stated that Experian must exclude third-party data sources, such as XXXX, and verify the information directly with the original creditors, as required under FCRA 609 and 611.

Failure to Respond within 30 Days : As of today, more than 30 days have passed since Experian received my dispute on XX/XX/year>, and I have not received any formal response or documentation from Experian regarding the investigation of the disputed items. This failure to respond violates FCRA 611 ( a ) ( 1 ), which mandates that consumer reporting agencies complete their investigation and provide a response within 30 days.

Failure to Remove Inaccurate Accounts : In my dispute, I identified multiple inaccurate items, including late payments, charge-offs, and hard inquiries that should be removed from my credit report. I have attached a list of the disputed items for reference. Despite the clear inaccuracies, Experian has failed to take any corrective action, and these accounts continue to negatively affect my credit. 

List of Disputed Items ( Previously Submitted to Experian ) : Late Payments : Accounts from 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 and the Office of the Attorney General ( Child Support ). 
Charge-offs : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Hard Inquiries : Multiple inquiries, including XXXX XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX : I request that the CFPB take immediate action to ensure that Experian : Deletes all inaccurate and unverifiable accounts from my credit report as per my dispute. 
Complies with the FCRAs 30-day timeframe for responding to disputes.

Provides detailed documentation of the investigation, including verification with original creditors, as required by FCRA 611 ( a ) ( 6 ) ( B ).

Enclosed are copies of the dispute letter I sent to Experian, my 15-day follow-up letter, and relevant credit report documentation showing the inaccurate items that remain on my credit report.

I trust the CFPB will take prompt action to ensure Experian complies with the Fair Credit Reporting Act and provides the necessary corrections to my credit report.
Product: Debt collection

This bill was paid in XXXX  {$75.00} I am NOT PAYING IT TWICE and the people have been very rude. This was taken off of my credit reports 5 months ago and now it is showing back up on my reports- this again was paid in full so please remove this from my credit reports asap!!!
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 XXXXXXXX XXXX # XXXX
Product: Student loan

I have been harassed by Navient callers for months. They do n't give me any options to pay them back because they are private loans. They call me 7 days a week from different area codes and they call and harass my mother all hours of the day as well because she was the co signer on my student loan. I did n't even get a good job with my degree I used student loans on. Every time I pay {$150.00} just for them to stop calling me for a month. I told them I just had a baby and did n't have any income at the time and the lady said " literally '' that it did n't matter and I had to pay. No remorse. My alarm in the morning is Navient calling my phone. They call me at work all day. It 's putting so much stress on my family and I do n't know what else to do. The {$150.00} I pay does n't even go towards my loans. Just to Navients pockets.
Product: Credit reporting

equifax shows a car repo from 2008 on my report twice all other agencies do not show it at all after i filed bankruptcy which this was covered in the bankruptcy even if it should be there it should not be there twice this is greatly affecting my credit score
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for the following 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 XXXXXXXX* pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation.

As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o.

Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I opened a dispute with Equifax regarding an account with XXXX 's first opened in XXXX of XXXX. The account showed a late payment of 60 days or more. In addition, a dispute was also opened with XXXX  regarding the same account. XXXX  resolved the error as of XX/XX/XXXX. I had contacted XXXX 's in XXXX of XXXX and they confirmed I have never had a late payment. XXXX 's provided me with a payment ledger proving this fact. In addition, I also have the original PAID OFF confirmation email from XXXX 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Acct # : XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX Acct # : XXXX XXXX  XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX  XXXX  XXXX  Acct # : XXXX XXXX  XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On or about XXXX XX/XX/2022, I find an offer from Citi regarding savings account - i.e. earn $ XXXX {$300.00} for a new savings account. I followed and tried to open that account but Citi didn't opened my account and it seems rejected it. 

If I am not eligible why Citi is showing that promotion in my profile? It's a shear waste of time and efforts.
Product: Credit card or prepaid card

On XX/XX/2020 XXXX charged a reinstating service fee on a cancelled service. I was instructed to dispute the charge with my credit card Citi as the account has been closed. Citi started an investigation and provided a credit which was reversed on XX/XX/XXXX, XXXX indicating the information wasn't enough to support your claim and to contact the merchant. The account has been closed and Citi Card is supposed to protect it's customers against unauthorized transactions. No direct contact or additional details provided. by Citi for why they came to their decision.
Product: Credit reporting or other personal consumer reports

Pursuant to 5 U.S.C. 552a, access to requested records was denied in XX/XX/2023, violating 5 U.S.C. 552a ( d ) ( 1 ). Provisions in 12 CFR 1026.13 were invoked from XX/XX/2023 to XX/XX/2023, with a breach of 5 U.S.C. 552a ( d ) ( 2 ) ( B ) ( ii ) - no written explanation provided after refusal, and no amendments reflected, violating 5 U.S.C. 552a ( d ) ( 2 ) ( B ) ( ii ). Names of officers, business address, and authorized personnel were not cited, contravening 5 U.S.C. 552a ( d ) ( 2 ) ( B ) ( ii ). Multiple violations of 5 U.S.C. 552a ( d ) ( 3 ) and 552a ( d ) ( 4 ) occurred, disclosing refusal to amend incorrect information to major credit bureaus. From XX/XX/2023 to XXXX XXXX, 12 CFR 1026.13 ( d ) ( 3 ) was violated - ongoing billing and collection without informing credit bureaus of the dispute, further breaching 15 U.S.C. 1666a ( b ). The absence of an opt-out notice infringes 15 U.S.C. 6802 ( b ) and 16 CFR 313.7. The installment loan contract in the " Cash Deposit Account '' violates 16 CFR 433.2 ( a ) and 16 CFR 433.2 ( b ). On XX/XX/2023, denial of correction without written notice violated 5 U.S.C. 552a ( d ) ( B ) ( i ). California Civil Code 1785.30 violations relate to all three major credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY XXXX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY TRANSUNION, XXXX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA XXXX BREACHES, TRANSUNION BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, 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 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
Product: Mortgage

My mortgage company 's Attorney failed to send crucial and extremely important documents to my husband and myself. This despicable tactic took place both in XXXX and XXXX of this year. While in the middle of a judicial court battle, this attorney certified that on XX/XX/2019, a true and correct copy of the Memorandum of Opposition was served by U.S. Mail, first-class postage prepaid, to my husband and myself at our address. These documents NEVER arrived in the mail. When we inquired of this attorney, she claimed she was not required to send these documents as certified mail, which would have the ability to be tracked. She stated the following, " The package gets prepared and then sent to our clerk to mail out. It goes out via regular mail. It is not anything I can track. I do have the pkg I scanned in and sent for mailing, along with my signed certification that it was mailed out. There wouldnt be anything else I can provide youas it is not certified mail, nor is it required to be. '' This despicable tactic again took place on XX/XX/2019, as this attorney certified that a true and correct copy of the Motion for Summary Judgment was served by U.S. Mail, first-class postage prepaid to both my husband and myself. Once again, these documents NEVER arrived in the mail. When we again contacted this attorney as to why she never sent these documents to my husband and myself, she stated the following, " Here is a copy of the Motion for Summary Judgment we filed, mailing certificate on page 78. Certified mail is not required, only regular mail is. I dont have tracking I can provide you, all that is required is the certificate of mailing. '' Ironically, these documents arrived to our local court with no issue. It would be literally impossible for all 4 of these mailings to have been lost in the mail which were SUPPOSEDLY sent separately to my husband and myself. The XXXX mailings were 79 pages. The type of packaging these 79 pages would have required should have a bar code and should be very easy to track through the postal service if they had in fact been mailed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was basically impossible and that tracking these transactions was not possible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises major concerns about consumer safety.
Product: Mortgage

I am writing CFPB again in response to DiTechs comments and because I am still seeking relief per CFPB from DiTechs harassment, which is beginning once again, already. DiTech is AGAIN Ballooning my account balances and sending me threatening monthly letters as if they are unafraid of any legal action against them or the revealing of their cycle of threatening and harassing actions against me through my post to CFPB and other agencies. As you will recall I received through DiTechs methods a letter : 1 ) OnXX/XX/XXXX stating that I could get help to pay their fictitious balance of my account ( DiTech ballooning my account balance over 2 monthly payments ). 2 ) OnXX/XX/XXXX I received another more harassing and threatening letter stating that DiTech will accelerate default into foreclosure unless I pay a certain amount of money to them. They stated that this fictitious amount is the TOTAL AMOUNT DUE of the months through the date of the letter as the date of the letter reads. ( NOTE : I paid this amount in 2 installments BEFORE the due date. ) 3 ) I also made a XXXX payment 4 ) So the question is : How can I then receive a letter the following month,XX/XX/XXXX, starting the cycle of harassment over again, stating that I can seek help for over 2 months of unpaid previous payments? This after paying payments for a letter that states TOTAL AMOUNT DUE. 5 ) How also can that same months billing statement reflect over 3 months past due? XXXX Billing statement shows me owing still {$1900.00} and then next month, XXXX Billing statement, shows me owing almost 2xs that for almost 4 months of payments at {$3100.00}. 6 ) More importantly, I paid over {$1900.00} Before XX/XX/XXXX and the payments listed for me through DiTech, for that month are only {$1000.00} Where is the rest of the money I paid? 7 ) The 2 payments I made in XXXX are NOT AT THE BOTTOM OF ANY BILLING STATEMENTS. They should be at the bottom of at least Mays Billing statement, BUT SOMEHOW HAVE VANISHED Please request documents as I have sent most in the previous complaint to you. While others are on the DiTech site webpage letters dated XX/XX/XXXX and XX/XX/XXXX are not on the site but were mailed to me and have been submitted to CFPB. If you need more documents please let me know. I am sending this complaint because while I have responded to the companies response on this site I do n't know if you received it so I am opening up a new opened complaint referencing # 's XXXX, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under 15 USC 1681. Equifax is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be excused and removed because according to 15 USC 1681 : I have a right to privacy and I did not give Equifax permission to furnish these accounts.
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXXXXXX XXXX which involved me making deposits for a total amount of XXXX USD from my PayPal account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion due to their failure to properly investigate, verify, and provide documentation for multiple accounts that I have disputed multiple times. TransUnion has violated my rights under the Fair Credit Reporting Act ( FCRA ) Sections 609, 611, and 623 by verifying accounts without providing legally required documentation.

These accounts contain unverifiable, inaccurate, and improperly reported information that is damaging my financial stability and overall quality of life. TransUnions reckless reporting practices are actively ruining my ability to secure financial opportunities, obtain loans, and move forward in life.

I am demanding immediate removal of these accounts, as they can not be legally verified under federal law. Below is a breakdown of each account that TransUnion has wrongfully verified, along with the specific issues and my requested resolution. 
XXXX XXXX XXXX ( Auto Loan - Joint Account ) - ILLEGAL CHARGE-OFF Account Number : XXXX Balance Reported : {$22000.00} High Credit : {$23000.00} Status : Charged-Off TransUnion has wrongfully verified this charged-off auto loan without providing proof of balance calculations, ownership, or payment history. I have requested validation under FCRA Sections 609 and 623, including : The original signed contract proving I agreed to this loan.

A full breakdown of the balance history, fees, and payments. 
Proof that the lender has the legal right to report this debt. 
TransUnion has not provided any of this information yet still marked the account as verified. This is a clear violation of my rights under the FCRA.
Product: Debt collection

I seem to have a bill in collections for an account not owed. A few years ago I ordered verizon highspeed and prepaid over XXXX and cancelled within days. and they sent me back a check for XXXX. After some time I noticed a bill for XXXX in collection with DEBT RECOVERY SOLUTIONSLLC. I do not beleive I owe this and company will not discuss matter with me. Verizon said they sold account and have no further info.Please remove from all my credit accounts.Again I do not owe this.
Product: Credit card or prepaid card

I have a Citi Best Buy Credit Card that allows me to pay off any purchases {$490.00} and above within 6months without incurring any interest charges which they call it as promotional balances. Our regular day to day purchases below {$490.00} comes under non-promotional balances and needs to be paid before the due date to avoid interest charges. 

I had {$3800.00} in promotional balances and around {$1200.00} in non-promotional balances. 
I made a payment for {$1300.00} to pay off the {$1200.00} non-promotional balance but Citi Best Buy Credit Card moved that {$1300.00} payment to pay off my promotional balance of around {$3800.00}. Because of i am still left with that {$1200.00} non-promotional balance to be paid off or else i will incur interest charges. 
I still have around 2 months to pay off a part of that {$3800.00} amount which the Citi Best Buy credit card customer support mentioned is expiring in 2 months. The remaining promotional balance from {$3800.00} is expiring in later months so clearly i have some time to pay off the promotional balances. 

Although because they moved my {$1300.00} to promotional balances i may incur interest charges on my non-promotional balance that i expected to pay off from the {$1300.00} payment. Citi BestBuy CC intentionally wants me to pay off the promotional balance first that is expiring in 2 months and then payoff the non-promotional so that i can be wrongly charges interest on the non-promotional balance which is definitely against their offer of paying promotional balances within 6months.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  # XXXX Account Name XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : XX/XX/2019 Amount : {$180.00} Action Taken : ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS DEBT. I AM ENTITLED TO SEE THE ALL THE EVIDENCE FROM YOUR INVESTIGATION THAT INCLUDES THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THE DEBT.
Product: Credit reporting or other personal consumer reports

It's necessary to adhere to FCRA XXXX by eliminating incorrect accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies in their reporting. Compensation of {$1000.00} per incorrect entry on my credit file is expected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to all three credit bureaus via phone. I was told that Nationstar would be the ones that will need to make the appropriate changes made to update my FICO score. I did receive a response back from Nationstar-XXXX and they stated it is up to the credit bureaus to update my FICO score to reflect all payments that have been made towards my VA loan with Nationstar. 

I am asking for my FICO score to be updated to reflect all payments that have been made towards my VA loan. 

Thank you, XXXX XXXX