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

I am filing a complaint against Experian for failing to properly 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 ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5526 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. In addition to the two violations above I have disputed Experian to remove my educational items as I believe that these loans and the associated personal information should not be reflected on my credit report due to the protections provided under the Family Educational Rights and Privacy Act ( FERPA ) 99.31. This federal law protects the confidentiality of student education records, and I believe that my educational records, including my student loans, may have been shared, duplicated and reported improperly. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX. XXXX : Account # XXXX XXXX XXXX XXXX, 30 day late ( should report on time ) XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, 30 day late ( should report on time ) XXXX. XXXX XXXX  : Account # XXXX- Listed as a charge off, no knowledge or record of this account. 

XXXX. XXXX XXXX XXXXXXXX : Account # XXXX - Not my account, no knowledge or record of this account. ( same account # 's ) XXXX XXXX XXXX XXXX : Account # XXXX - Not my account, no knowledge or record of this account. 

XXXX. XXXX XXXX : Account # XXXX - Not my account, no knowledge or record of this account. 

XXXX XXXX  XXXX Account # XXXX - Item needs to be removed as I have provided documentation to Experian that this {$760.00} charge is not mine. 

XXXX. XXXX XXXX : Account # XXXX - Item needs to be removed as I have provided documentation to XXXX that this {$2200.00} charge is not mine. 

XXXX. ALL DEPARTMENT OF ED/XXXX  ACCOUNTS per Family Educational Rights and Privacy Act ( XXXX ) XXXX XXXX. The only address that should be listed on my credit report is XXXX XXXX XXXX, XXXX, SC XXXX XXXX. The only name that should reflect on my report is XXXX XXXX XXXX XXXX. The only phone number that should reflect on my report is XXXX XXXX. The employers listed on my report are false. I have never worked for either of these companies. 

XXXX. HARD INQUIRIES - I never consented for any inquiries to my credit report besides XXXX XXXX.
Product: Prepaid card

I received four AMEX gift cards. When I checked the balance of these AMEX gift cards at https : //balance.amexgiftcard.com/ # /, they were all active and had an available balance of {$490.00} prior to attempting to use the gift cards at XXXX. I attempted to use the gift cards on XXXX on XX/XX/XXXX & XXXX, and the transaction was declined for all 4 gift cards. I have tried using these gift cards at other stores and for other amounts less than the full balance such as for a {$1.00} donation on XX/XX/XXXX, but my transactions always get declined. When I contacted AMEX about this, they said that these gift cards can't be used at these merchants! I have not been able to identify any merchants who will accept these AMEX gift cards. Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report and more than 45 days later I still havent heard anything back. I think my complaint is being disregarded and that I am being victimized. 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 probably be deleted. I demand that this account be terminated right away or else I pursue you for the anguish you put all my life. The Experian Data breach exposed my information well as, and is feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 1 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Debt collection

I sent a certified investigation letter to Convergent Outsourcing on XX/XX/XXXX which was delivered on XXXX XXXX, XXXX asking for further information on this debt. 

XX/XX/XXXX Convergent sent a response to my investigation letter which already violated my rights per the Fair Credit Act based on the allowed time ( 30 days ) a facility has to respond to my dispute letter from the time they received the letter. When receiving the validation of my debt they sent me a few months worth of statements and a letter stating this is valid debt for the balance of {$280.00}. 

XX/XX/XXXX after digging dipper into this debt, I sent another certified letter to Convergent Outsourcing stating I contacted my current service provider which I transferred the phone number I had with XXXX over to them on XXXX XXXX, XXXX which means that line ( XXXX ) was no longer in service for the bill they provided for validation, and that my last payment was submitted on XXXX XXXX, XXXX. I then proceeded to demand a delete from my credit report due to lack of accurate information. 

XX/XX/XXXX I receive a letter from XXXX stating XXXX XXXX , XXXX has placed your previously disputed account with XXXX. As of the date on this notice, an investigation of your dispute has been completed and the account has been place with their office for resolution. No valid proof of the debt was attache just a new balance of {$190.00}. 

XX/XX/XXXX I receive a letter from Convergent Outsourcing stating they are no longer the owner of this debt and that they submitted to the credit reporting agency 's to delete the information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX shut my account down, and thousands of other customers down. Their customer service has been unreachable ever since. I've sent over 20 emails, and have called their phone number over 10 times and all that I get is an automated response to email them. When " XXXX XXXX '' calls you, they immediately hang up. It's being powered by robots and there are no human customer service representatives. My TransUnion, and XXXX credit reports are now damaged, when this should not be the case at all. 

My bank even refunded me the funds they took out of my account, because even they deemed that this was completely unethical and they were not able to get in contact with the company. I've also filed a dispute with helpwithmybank.gov. 

The account still shows as " open '' when it's closed. They also have inaccurately have reported me as late.I 've been begging and pleading with them to get in contact with a human representative but that isn't possible. I'm not quite sure if this will require legal action for this issue to get resolved, but I want this company removed off of all of my credit reports.
Product: Credit reporting or other personal consumer reports

Someone stole my personal information and opened credit cards without my knowledge. The way I found out I had a XXXX Barclays credit card was through XXXX XXXX I called Barclays and after reporting the incident the lady over the phone told me someone made a purchase with a physical card I did not know it existed.YesterdayI called Barclays because my credit scores went down and they told me the fraud case was declined because they used a physical card. I asked them how can they honor a large purchase which I have never made without id.
Product: Mortgage

called wellsfargo XX/XX/XXXX about hardship result of XXXX XXXX shut down not able to meet normal monthly payments .. given cares mortgage suspension confirmation by representatives told no penalties late fees derogatory credit rating and suspension could be 3 months at time up to 1 year. additionally me accepting this suspension i would not be eligible got loan modification but call when ready to resume payment.. called as was told and was given suspensions of mortgage for several months 3 months at time.. called XX/XX/XXXX given XX/XX/XXXX-XX/XX/XXXXi told rep i expect to be able to start paying mortgage again in XXXX said i would be confirming in XX/XX/XXXX. called in XXXX inform rep n was told i was suppose to only get 1/3month suspension that owner of mortgage said no to the other months they had confirm and if i start to pay in XX/XX/XXXX it would go to my past due not be put to end as i was given, suspended payments were now due. got letter XX/XX/XXXX wellsfargo admit they did error giving me incorrect info but was standing by still my past due that was suspended was now all due. i was told during suspension that accepting suspensions i would not be eligible for loan modification if i wanted it should i not be able to start paying again. i told wellsfargo im ready as i had been informed by them to let them know, paid XX/XX/XXXX/XX/XX/XXXXXXXX mortgage but they arent accepting as current. wellsfargo deceived me as a customer lied to me about suspension of payments n putting it to the end with no paperwork needed or harm to my credit. im been so harassed by newly generated never seen documents theyre back dating as if they sent to me with information they never did deception in practice. I want wellsfargo to stand by what they in a letter to me admit and put the suspended payments to the end of loan as i was told over n over until i called to resume payments.
Product: Debt collection

I am following up with my complaint from XX/XX/2021. I emailed the documents to Avant Credit to three different departments. I have uploaded what was requested. I was verbally notified that I received an email to upload photos and that is as true as the two time mail correspondence from last year. I did not receive any of the claimed mail or email.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried getting ahold of all three credit companies, and I've gotten nothing back. The fraud alert should have been taken off a long time ago. It's to the point where literally no one can verify my identity online at all. And there is things on my credit report that I have disputed multiple times and nothing has been taken care of.
Product: Vehicle loan or lease

The company failed to respond to the concerns surrounding the violation of UDAAP. I explained on the call and the letter i was not in the right frame of mind at the time of the loan and their agents knew it. I was distraught by being behind on a vehicle at time of this purchase. Their agent took advantage of me and put it a worse situation. This company told me at the time of the loan they did not take into consideration the vehicle i had outstanding when it came time for the DTI calculation. I was told they only look at the new loan amount and the gross income. Logically speaking it doesnt make sense to take on a second vehicle with a higher payment than the one i was behind on. This is a predatory lender that has had class action suits against them and i bet there are several people that have the same scenario as me. The prey on people with challenged credit. The want people to default on loans by putting them in unfavorable situations. What I asked for is not unreasonable. So once again. Please purchase the account back and close the loan without selling it again.

They did not even look at the account until after they spoke with me. This company needs to take the consumers concerns seriously instead of just providing a blanket statement like this one. I was coached into the responses they are referring to by the agents.
Product: Money transfer, virtual currency, or money service

Nelnet processed payment of my Federal Student loan money to someone elses bank account and refuses to Initiate charge back but instead says the school have to do so. When contacting XXXX XXXX XXXX they have sent me multiple emails that states Nelnet has to do the reversal since they did the deposit. Nelnet is allowing me to be defrauded of XXXX and change.
Product: Student loan

So many things have happened, but the most important to me now is : 1 ) I called XXXX XXXX on XX/XX/XXXX to initiate a refund of payments made since the payment pause. The call itself was pleasant and professional. I was told it would be 8-10 weeks. I also asked about my PSLF documents that were now gone from their portal and that I could not download or retrieve them or see how many qualifying payments I had made ( I was considering applying for the temporary forgiveness offered as I was close to meeting the required number ). Unfortunately, the agent did not know where I could find them. 

XXXX ) In XXXX, I called to check on the status of the refunds of payment made request because the refund never made it into my account, and they told me it has been taking an additional 12 weeks and just to keep watching my account. 
XXXX ) Skeptical of the latest advice given, in late XXXX, when I want to make a followup call, I see my loan has been transferred to Aidvantage XXXX XXXX XXXX  ( formerly Navient, formerly my prior servicer, also was my servicer as XXXX which incorrectly told me not to do an income driven repayment plan to qualify for PSLF back in 2013 when I consolidated my loans because I worked for a public university because " you would have to pay taxes on the amount forgiven and with your income and the payment size, it would be hard for you to make that huge payment of tax also that one year '' ) ... .... 
XXXX ) Now, I called XX/XX/XXXX to see if I could track down any information. And AidAdvantage was not able to see my payment history but has to request it. I was told that would take 10 days, so I should call back on the XXXX and request my refund then, but that I should keep in mind that the refund is estimated to take 20 weeks.

20 Weeks, really? What other financial transaction takes 20 weeks to complete? 

I am a single parent and I had hoped taking the refund of payments and putting them into a savings account to earn some interest for a few months until the payment pause ended at the least, or enjoy forgiveness in giving my family some breathing room at the most, but instead these companies/agencies have carefully timed it so that the week that I MIGHT get my refund, if things go smoothly now, will be only one week before the payment pause is ended.

It is absurd that this lack of transparency can happen in the current context where my documents for PSLF are " missing '' and that the prior request for a refund in XXXX is " missing '' and " irrelevant '' and now I am financially harmed by the inaction and lack of coordination in the transfers and handling of my loans. I was also given incorrect information regarding the appropriate payment plan for my PSLF progress.

What is the point of offering ANY of these potential aspects of relief if even when we try to do the things in compliance, we can never gain any of the relief. It is cruel.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to file a formal complaint against the three major credit bureaus - XXXX, XXXX, and Equifax for failing to accurately address and resolve my disputes related to incorrect information on my credit reports. The disputed information remains on my credit report and has not been corrected.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items DELETED from my credit reports effective immediately. I am attaching prof that XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports. XXXX has already deleted the identified accounts from my credit report due to the data breach. 

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 card

XX/XX/year>, I initiated a balance transfer with XXXX  XXXX ( To transfer a balance from Wells Fargo ) And upon checking my Wells Fargo account, I now see XXXX payments were made to them. This leaves me with an overpayment and credit in Wells Fargo. Upon checking with XXXX  XXXX however, only XXXX payment on their end, shows to have been made. So technically, on the XXXX  XXXX side, I'm squared away, but on the Wells Fargo side, I received more money than I should have. The balance transfer was in the amount of {$1700.00}. I see this twice in Wells Fargo. When I contact XXXX  XXXX, they insist there is no error. When I contact Wells Fargo and ask for the source or electronic trail for the transaction, they fail to provide me one. I need help as I don't want to be held liable for this, especially if XXXX  XXXX discovers it is indeed an error, down the line.
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report information that is inaccurate my name is XXXX XXXX there should be no other name listed on my consumer report and LexisNexis does not have any authorization to report any information other than XXXX XXXX and my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address is incorrect and should be deleted immediately remove any phone numbers they are not mine. Do not ask for identification I have attached it to this complaint. LexisNexis is a data furnished therefore they must comply with federal law.
Product: Credit reporting or other personal consumer reports

After reviewing my Consumer Report, I saw that I had a late payment on my report for an account that I had never been late with before. Consumer Reporting agencies are required based on FCRA 15 U.S. Code 1681B to furnish information on a consumer report to their best ability of Maximum Accuracy. The information on my credit report for XXXX XXXX account XXXX was reported inaccurately and has furnished information that my store card payment was late which it had never been late. If the Consumer Reporting Agency can not furnish or prove this information to be accurate it needs to be updated to current for all months and any late information needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX/XXXX  XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX   AND XXXX. 
ACCOUNT NAME : Us Bankruptcy Ct., ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX  .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of dates XX/XX/2023. XX/XX/2023, XX/XX/2023, Also I have others thats old to I have them uploaded these are inquiries thats on my credit sesame my TransUnion! I didnt apply for anything someone stole my identity!
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
Product: Credit card or prepaid card

I signed up for the AMEX Blue Business Card in XX/XX/XXXX. There was 0 % Promotional APR for 12 months. I made a purchase of {$2000.00} in XX/XX/XXXX. In XXXX XXXXXXXX, one of my payments somehow did not go through. I called AMEX customer service to find out what happened. It was a website use error. I paid my card promptly over the phone and ask that they refund the late fee. They refunded the fee ( {$35.00} ). I paid promptly for every month since then. What I was not informed about was that the company had started to levy a penalty APR 29.99 % for 12 months since XX/XX/XXXX. The customer service agent I spoke to did not inform me of that, and I continue to pay my monthly installments thinking that my APR was 0 % till XX/XX/XXXX, and I was paying down my principal balance. Now in XX/XX/XXXX, I only found out that this was not the case, and for the last 8 months, I was paying 29.99 % monthly interest instead of the advertised 0 % APR. This is misleading advertising and should not be allowed to continue.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.3 Credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below 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

XXXX XXXX POSTED AN UNAUTHORIZED INQUIRY TO MY REPORT ON XX/XX/2022.
Product: Debt collection

I received a collection notification of {$9600.00} on XX/XX/XXXX at my Trans Union credit report. 
Trans Union has asked me to file the complaint with FTC and provide them with the report along with my SSN and then they will take the next steps. I dont recognize this request and its not reported in any of other credit reports. 
Because of this collection request my credit score we t down drastically.