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 ( FCRA ). 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request the CFPB take action to ensure Experian complies with the necessary proof of investigation. 

XXXX XXXX Missed Payment ( was never late ) - XXXX XXXX Missed Payment ( was never late )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a hard inquiry on my XXXX credit report on XX/XX/2021 from SunTrust DBA Lightstream, created on XX/XX/2021. I called the phone number on the report ( XXXX ) XXXX and spoke to XXXX and told her I never applied for anything with SunTrust so I don't know why they are pulling my credit report. She told me there was an application submitted and I told her it was fraudulent because I never applied for a loan with them. I asked her to please shut down the application due to fraud. She made a note of my phone call and gave me a reference number of XX/XX/2021 - XXXX. 

XXXX XXXX, I received a letter from SunTrust stating that they were researching this issue. Towards the end of XXXX, I received another letter from them saying that I applied for an unsecured line of credit on XX/XX/2021 so they could not remove the inquiry from my credit report. I called them on XX/XX/2021 at the phone number listed on the letter, ( XXXX ) XXXX and spoke to XXXX. She then told me they did not find anything to make changes and said I should speak to an 'advisor. ' They never even asked me to during their research what my actual contact information was to see if it there was a mismatch with what the fraudster submitted. They did not seem to care that I have fraud alerts on my credit reports either. I don't know how they are protecting consumers from identity theft when they are supporting criminal behavior and penalizing a consumer for being an identity theft victim.
Product: Mortgage

I just received a letter from M & T Bank. Perhaps I didn't make myself clear. I need a YES or NO answer for the following : Did XXXX XXXXXXXX pay-off my Hudson City Savings Bank Mortgage number XXXX YES or NO If the response is YES please provide the transactional information such as amount paid and the check or transaction number so I can have it authenticated. 

I never received the satisfaction of mortgage, release of lien or discharge of mortgage and the ONLY thing that matters is transactional proof the mortgage was paid of by XXXX XXXXXXXX YES or NO As you may already know XXXX XXXX has not produce anything at all to prove that they paid off this mortgage. If things have gone this far and their was no mortgage to pay-off I won't be able to sell something that was not paid for and will end up in court getting sued. 

This is a YES or NO question please expedite and be honest because I will be send all the facts to various politicians, TV stations and government agencies while I continue to search for a real estate lawyer who handles criminal cases. When the time comes I have every intention of signing complaints on all parties involved and all parties that aid and embed criminal enterprises. Please be honest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documentation via Certified mail to EXPERIAN on XXXX disputing an inaccurate account listed on my credit file. Experian received the dispute documentation on XXXX. I also submitted a complaint to the CFPB on XXXX and on XXXX EXPERIAN closed the complaint stating the company needs my authorization to respond. I contacted EXPERIAN today XXXX and was told by the dispute department that the reason why the complaint was closed was because EXPERIAN does not recognize the CFPB, and that the complaint has to be placed directly with EXPERIAN to be valid because that is EXPERIAN 'S procedure. EXPERIAN has constantly provided me with false and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for the better part of a year to get both Transunion and XXXX to investigate the accuracy of items on my credit report. While they conducted an initial investigation, the errors on my report remain specifically, there is a BK showing on my credit report. Additionally, XXXX is not reporting accurately either, XXXX claims I have an account that was discharged in BK. I have never had an account with XXXX and both Transunion and XXXX refuse to investigate the matter. They also claim to have verified a BK which is not possible. Based on the documents I have provided, you will see that Transunion refuses to investigate and that XXXX completely ignored the dispute regarding a BK showing on my credit report. Please advise these companies as to FCRA law in regards to having to investigate all disputes. My disputes are in no way frivolous, there is inaccurate information that needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX # XXXX has violated my civil rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act to conduct a reasonable re investigation of disputed information on credit report, leaving inaccurate or unverifiable accounts resolved. THE CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward evidence to furnishes, accepting unreliable responses and failing to adequately notify consumer of dispute outcomes. These failures align with my experience where XXXX has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Our account has been compromised at CITI BANK for unauthorized wire transfer for {$20000.00} ( same day on XX/XX/XXXX  ) i reported over the phone and not satisfied and went to our branch to complain they freezes all my accounts and till today no result as XXXX XX/XX/XXXX  Every time i asked the Branch Manger she has no answer and my business is having issue. I am not satisfied with the bank treatment of not taking care of r this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I requested credit freezes on my credit approximately 6 months ago following attempted fraud involving my social security number. Today, XX/XX/2020 is my third time period ( different months ) experiencing the same exact problems with Experian 's online and phone processes for temporarily unfreezing my credit following phone and internet requests by me to temporarily unfreeze my credit so that I may apply for credit. Supposedly, a temporary unfreezing of my account can be implemented with an hour of my request ; however, Experians process takes me weeks every time. The past two time periods that I attempted to temporarily unfreeze my credit, I had issues with Experian 's phone and online request processes ; ultimately requiring hours of my time and multiple weeks to resolve. 
Experian 's resolution each time, without explanation or justification or future resolution, was for me to send my private and personal information, again, and eventually, weeks later, recieving a pin to temporarily unfreeze my credit report. They have not offered to fix this issue or even provided a resource within their organization that can troublshoot the repeated falure of their processes that do not allow me to immediately and temporarily unfreeze my credit. I am unable to get live support from anyone who can explain why I must submit, by mail, all my private and personal information, to wait, for mail again, for yet another new pin each and every time I request a temporary unfreezing of my credit. My understanding is that I should be able to unfreeze my credit, temporarily, within an hour of my online or phone request ; 24 hours would be managable. Three weeks is detrimential to my personal and professionally finances having potential to jepordize my livelyhood. Any assistance getting immediate and qualified Experian live help to resolve this once and for all is my goa ; Please Help! 

Frustrated, Aggravated and Anxious, XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and my personal information was compromised in the XXXX data breach. As a result, the following fraudulent accounts and public records have been erroneously reported on my credit profile. The continued reporting of false and unverifiable information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

These unauthorized names and addresses must be removed from my credit report immediately. Failure to do so violates FCRA 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain accurate and fair reporting.

In accordance with FCRA Section 611 and FDCPA Section 809, I demand the following : Debt Validation : Provide original signed agreements and complete account statements proving your right to collect these debts.

Verification of Reporting Accuracy : Provide records confirming the accuracy and authorization of these debts and public records.

Immediate Removal of Inaccurate Information : If you can not validate these accounts and the bankruptcy, they must be removed from my report immediately.

Cease Reporting and Collection Activities : Further collection or reporting on unvalidated accounts will be treated as willful violations of the FCRA and FDCPA.
Product: Credit reporting

Hi, I had opened a case and your emails were going to a junk folder. I absolutely still need your guidance and support. 

Experian has been unwilling to remove inaccurate reporting based on XXXX BK I filed in 2007. The courts changed the type of BK so it shows as XXXX when in fact it is only XXXX. I have provided them with all the proper documentation. 

Additionally, I continued to improve my cursory usage and have flawless payments yet they continue to slaughter my score lowering XXXX points lower at least once a month. 

PLEASE HELP. Best # XXXX. Best email XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans at XXXX University were issued fraudently I was packed every 6 months instead of once a year.
Product: Debt collection

I was sent a summons from the law office. I answered the summons XXXX/XXXX/2014 with the county clerks office in my area. the law office stated I never answered the summons and had a judgement won against me.I had the judgement appealed because I did answer the judgement. 

This debt is not a federally backed/guaranteed loan. It is being reported to the credit bureaus beyond 7 years. Also it is beyond NY statute of limitations ( 6 years ) to collect a debt. I Have never made a single payment to this debt in its history. 

( A Summary of Your Rights Under the Fair Credit Reporting Act ) Consumer reporting agencies may not report outdated negative information. In mostcases, a consumer reporting agency may not report negative information that is more thanseven years old, or bankruptcies that are more than 10 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, ECMC opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
Product: Credit card or prepaid card

On XX/XX/2022 while I was taking a vacation in XXXX, I had made a reservation on the rental car with XXXX XXXX XXXX. All reservation was conducted on the cell-phone and the documents were sent on the phone ( photo ) that were included Thai Driver License and Citi XXXX XXXX but the card security code ( XXXX digits code ) and the billing address did not include. Both information did not being sent to the rental company because I did not authorize the card to be charged. in order to hold up the car, the compay requested for payment that I had authorized only XXXX time charged in total amount of XXXX ( {$460.00} ). The itemization is listed below. 
Rental fee XXXX, this amount will not be refund. 
XXXX XXXX, this amount will be refunded after the vehicle is returned. 
XXXX XXXX XXXX The contract was sent via cell-phone which is unreadable, therefore, I did not sign the slip and not authorized for second charge ( {$1000.00} ) and insisted that contract and both charge will be authorized and sign at the office after reviewing of the contract. 
I went to office but there was on XXXX in the shackle building with the tall grasses and cats ran around, therefore, I left the office and cancelled the reservation. However, company was refusing and the depute has been filled, after all attempt many times, Citi XXXX final resolution award the rental company for both charges of {$460.00} and {$1000.00} in XXXX that XXXX ) Charge Slips were never signed, XXXX ) There was XXXX digit code given, XXXX ) No contract has been sign and no vehicle was taken, XXXX ) The deposit should be refund because the vehicle was never picked up. Please see the attached document.
Product: Bank account or service

This is regarding Netspend which offers XXXX dollar bonus to XXXX the referrer and referee when the referee orders a new card and loads it with XXXX dollars. I have been refered by my friend and I have ordered new card and loaded that card as well with XXXX dollars and satisfied all the requirements for the XXXX dollars bonus which never got credited. I have been calling customer care representatives multiple times and every time i get an assurance that my card will be loaded with the bonus. However, it never happens. I have contacted at least 10 times to customer services of Netspend and every time they assure me that I will get the bonus by next day but it never happens. I have met all the requirements for the bonus but we have not received the bonus.
Product: Mortgage

Wells Fargo refuses to modify the XXXX mortgage on my home that was originated as part of the first mortgage package. Wells Fargo ignored my request for lower payments for XXXX months, then " researched '' the case for four months, while turning down another modification due to the way it calculated my income. The latest communication from them claims that I was forced into the XXXX mortgages because I had an insufficient down payment and this XXXX mortgage provided the XXXX % down payment needed. In fact, on the guidance of a Wells Fargo 's agent XXXX XXXX, I put XXXX % down even though I had close to XXXX % in the bank. At the time a XXXX % down payment was considered sufficient and they now finance regular mortgages with XXXX % down, so their claim that I had insufficient down payment was false. 
The house is eligible for HARP and the XXXX mortgage was refinanced under Harp. This XXXX mortgage is not eligible because Wells Fargo owns it. I am XXXX of XXXX of homeowners who is a victim of this mortgage scam. Something needs to be done to help us.
Product: Credit card or prepaid card

On XX/XX/2019I paid my XXXX XXXX  credit card balance in full. The money cleared my bank account on XX/XX/19- since that time XXXX has reflected that I have a {$0.00} balance on my card but has not restored my available credit to its correct limit. I have sent numerous messages to XXXX XXXX XXXX   who have informed me that yes the payment is showing but that they would like to do a conference call with my bank to confirm that It has cleared. This is absurd as I have no intentions of allowing a third party to discuss my banking information with my financial institution. Whereas the payment has cleared my bank, and my credit card balance is 0, they should immediately restore my credit to its capacity limit that was allotted to me upon opening the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows 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: Debt collection

Convergent is a scam. I Never took out a private loan for XXXX. Everything was federal or grants. These scammers are trying to say I owe money on a debt I never took out.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my report to this complaint on the following dates ( XXXX XXXX XX/XX/year> ). Im now requesting that you investigate this account and provide verifiable proof with records showing that I had a late payment. If this information can not be verified within 30 days then I demand this payment be immediately updated to paid on time. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCOUNT NUMBER 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